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Other financials

Income statement

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Revenue$669.8M+26.8%
Gross profit$594.9M+29.0%
Operating income$21.3M+102%
Net income$27.9M+103%
EPS (diluted)$0.07+101%

Balance sheet

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Cash & equivalents$601.1M-31.8%
Total debt$130.9M+49.0%
Total equity$1.4B-1.6%
Total assets$2.0B+5.0%

Cash flow

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Operating cash flow$207.5M+628%
CapEx$9.9M+388%
Free cash flow$197.5M+647%

Valuation

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Market cap$9.88B-19.1%
Enterprise value$9.41B-17.6%
P/S-2.3×

Profitability

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Gross margin88.7%+0.9pp
Operating margin-2.1%-1.0pp
Net margin-0.7%-0.4pp
FCF margin12.7%

Returns & leverage

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Return on equity-1.3%
Debt / equity0.1×0.0×
Current ratio4.6×-0.2×

Where this comes from

Reported directly by Chime Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:ShareBasedCompensation.

The source filing: Chime Financial, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:11 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001795586-26-000048
Line itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization15,22214,669
Non-cash lease expense4,5653,058
Stock-based compensation130,052918,843
Stock-based charitable contribution1,49511,168
Provision for transaction dispute losses43,72531,045
Change in fair value of product obligation(52,282)43,579
Provision for credit losses29,36244,096

Item 1. Financial Statements (unaudited)

FAQ

What is Chime Financial, Inc.'s stock-based comp?
Chime Financial, Inc. (CHYM) reported stock-based comp of $69.4M in Q2 2026.
How has Chime Financial, Inc.'s stock-based comp changed year-over-year?
Chime Financial, Inc.'s stock-based comp decreased by 92.4% year-over-year, from $910.15M to $69.4M.
What does stock-based comp mean?
Total non-cash stock-based compensation expense for equity awards (RSUs, options, ESPP), added back to net income in cash flow reconciliation.

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