Growth & profitability
- Revenue has grown 30.8% per year over the past 2 years.
- Operating margin has contracted, at -47.6% in the latest year.
CHYM Financials Chime Financial, Inc.
3 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | $2.2B | -$1.0B | 88.0% | -47.6% | $33M | — | $466M |
| 2024 | $1.7B | -$25M | 87.6% | -3.7% | $59M | — | $338M |
| 2023 | $1.3B | -$203M | 82.8% | -18.4% | -$167M | — | $240M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | $647M | $53M | 89.6% | 7.1% | $81M | — | $608M |
| Dec '25 | $596M | -$45M | 88.9% | -9.0% | — | — | $466M |
| Sep '25 | $544M | -$55M | 87.2% | -11.9% | — | — | $445M |
| Jun '25 | $528M | -$923M | 87.3% | -176.2% | — | — | $868M |
| Mar '25 | $519M | $13M | 88.4% | 1.8% | -$27M | — | $318M |
| Dec '24 | $475M | -$20M | 88.2% | -5.7% | — | — | $338M |
| Sep '24 | $422M | -$22M | 87.3% | -7.3% | — | — | $271M |
| Jun '24 | $384M | $385000 | 86.9% | -2.5% | — | — | $295M |
| Mar '24 | — | $16M | — | — | — | — | — |
Valuation over time
How the market has priced CHYM against its own fundamentals since 2025-06 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-sales ratio has fallen from 7.9× (Jun '25) to 3.2× (Jun '26).
P/S
Frequently asked questions
Is CHYM growing its revenue and profit?
Over the past 2 years, Chime Financial, Inc.'s revenue has grown 30.8% per year. These are computed facts, not advice.
How much debt does CHYM have?
As of FY2025, Chime Financial, Inc. reported — of total debt against $466M of cash.
What is CHYM's profit margin?
In FY2025, gross margin was 88.0%, operating margin -47.6%, and net margin -46.2%.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.