# Chime Financial, Inc.: overview

CHYM · Nasdaq · CIK 1795586 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/chym.md) · [Financials](/companies/chym/financials.md) · [Filings](/companies/chym/filings.md) · [Insiders](/companies/chym/insiders.md)

Latest reported revenue: [$669.8m](/filings/0001795586-26-000048.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 6, 2026 (XBRL us-gaap:Revenues, accession 0001795586-26-000048).

## Last eight quarters

| Line item | Unit | period not labelled (2024-09-30) | period not labelled (2024-12-31) | period not labelled (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [422](/filings/0001795586-25-000019.md) | [475 d](/filings/0001795586-26-000013.md) | [519](/filings/0001795586-26-000038.md) | [528](/filings/0001795586-26-000048.md) | [544](/filings/0001795586-25-000019.md) | [596 d](/filings/0001795586-26-000013.md) | [647](/filings/0001795586-26-000038.md) | [670](/filings/0001795586-26-000048.md) |
| Gross margin | % | [87.3%](/filings/0001795586-25-000019.md) | [88.2% d](/filings/0001795586-26-000013.md) | [88.4%](/filings/0001795586-26-000038.md) | [87.3%](/filings/0001795586-26-000048.md) | [87.2%](/filings/0001795586-25-000019.md) | [88.9% d](/filings/0001795586-26-000013.md) | [89.6%](/filings/0001795586-26-000038.md) | [88.8%](/filings/0001795586-26-000048.md) |
| Operating margin | % | [(7.3%)](/filings/0001795586-25-000019.md) | [(5.7%) d](/filings/0001795586-26-000013.md) | [1.8%](/filings/0001795586-26-000038.md) | [(176.2%)](/filings/0001795586-26-000048.md) | [(11.9%)](/filings/0001795586-25-000019.md) | [(9.0%) d](/filings/0001795586-26-000013.md) | [7.1%](/filings/0001795586-26-000038.md) | [3.2%](/filings/0001795586-26-000048.md) |
| Net margin | % | [(5.2%)](/filings/0001795586-25-000019.md) | [(4.1%) d](/filings/0001795586-26-000013.md) | [2.5%](/filings/0001795586-26-000048.md) | [(174.8%)](/filings/0001795586-26-000048.md) | [(10.1%)](/filings/0001795586-25-000019.md) | [(7.5%) d](/filings/0001795586-26-000013.md) | [8.3%](/filings/0001795586-26-000048.md) | [4.2%](/filings/0001795586-26-000048.md) |
| Diluted EPS | $ per share | [(0.34)](/filings/0001795586-25-000019.md) | not reported | [0.00](/filings/0001795586-26-000038.md) | [(7.29)](/filings/0001795586-26-000048.md) | [(0.15)](/filings/0001795586-25-000019.md) | not reported | [0.13](/filings/0001795586-26-000038.md) | [0.07](/filings/0001795586-26-000048.md) |
| Free cash flow | $m | [(28.0) d](/filings/0001795586-25-000019.md) | [16.7 d](/filings/0001795586-26-000013.md) | [(27.3)](/filings/0001795586-26-000038.md) | [26.5 d](/filings/0001795586-26-000048.md) | [15.4 d](/filings/0001795586-25-000019.md) | [18.4 d](/filings/0001795586-26-000013.md) | [80.9](/filings/0001795586-26-000038.md) | [198 d](/filings/0001795586-26-000048.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Gross profit: us-gaap:GrossProfit; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY (2023-12-31) | FY (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: |
| Revenue | $m | [1,278](/filings/0001795586-26-000013.md) | [1,673](/filings/0001795586-26-000013.md) | [2,187](/filings/0001795586-26-000013.md) |
| Gross margin | % | [82.8%](/filings/0001795586-26-000013.md) | [87.6%](/filings/0001795586-26-000013.md) | [88.0%](/filings/0001795586-26-000013.md) |
| Operating margin | % | [(18.4%)](/filings/0001795586-26-000013.md) | [(3.7%)](/filings/0001795586-26-000013.md) | [(47.6%)](/filings/0001795586-26-000013.md) |
| Net margin | % | [(15.9%)](/filings/0001795586-26-000013.md) | [(1.5%)](/filings/0001795586-26-000013.md) | [(46.2%)](/filings/0001795586-26-000013.md) |
| Diluted EPS | $ per share | [(3.22)](/filings/0001795586-26-000013.md) | [(0.39)](/filings/0001795586-26-000013.md) | [(4.27)](/filings/0001795586-26-000013.md) |
| Free cash flow | $m | [(167)](/filings/0001795586-26-000013.md) | [59.3](/filings/0001795586-26-000013.md) | [32.9](/filings/0001795586-26-000013.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Gross profit: us-gaap:GrossProfit; Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/chym/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [Galileo (PTC) Ltd](/funds/1740858.md) | 2026-06-30 | $1.07bn | 52,268,715 |  | Unchanged |
| [CROSSLINK CAPITAL INC](/funds/1104329.md) | 2026-06-30 | $536.3m | 26,185,368 |  | Unchanged |
| [GENERAL ATLANTIC, L.P.](/funds/1017645.md) | 2026-06-30 | $435.4m | 21,259,683 |  | Unchanged |
| [Menlo Ventures Management, L.P.](/funds/1911541.md) | 2026-06-30 | $357.2m | 17,442,713 |  | Unchanged |
| [Aspect Management, LLC](/funds/2111529.md) | 2026-06-30 | $244.4m | 11,933,275 |  | Unchanged |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $230.3m | 11,244,380 |  | Added +9,819,060 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $208.9m | 10,198,789 |  | Added +169,529 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $188.7m | 9,215,115 |  | Reduced −344,994 |
| [FORERUNNER VENTURES MANAGEMENT, LLC](/funds/1909850.md) | 2026-06-30 | $164.5m | 8,031,107 |  | Reduced −1,000,000 |
| [Capital Research Global Investors](/funds/1422848.md) | 2026-06-30 | $115.9m | 5,657,874 |  | Reduced −456,011 |

## Recent filings

[All 239 filings](/companies/chym/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-09-08 | 21:28 ET | [8-K](/filings/0001193125-26-385383.md) | 1.01 Entry into a material agreement; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-385383 |
| 2026-08-06 | 20:11 ET | [10-Q](/filings/0001795586-26-000048.md) | Quarterly report, period 2026-06-30 | 0001795586-26-000048 |
| 2026-08-05 | 20:10 ET | [8-K](/filings/0001795586-26-000046.md) | 2.02 Results of operations; 2.05 Exit or disposal costs; 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001795586-26-000046 |
| 2026-06-04 | 20:50 ET | [8-K](/filings/0001795586-26-000042.md) | 5.07 Shareholder vote results | 0001795586-26-000042 |
| 2026-05-07 | 20:15 ET | [10-Q](/filings/0001795586-26-000038.md) | Quarterly report, period 2026-03-31 | 0001795586-26-000038 |
| 2026-05-06 | 20:07 ET | [8-K](/filings/0001795586-26-000035.md) | 2.02 Results of operations; 8.01 Other events; 9.01 Financial statements and exhibits | 0001795586-26-000035 |
| 2026-04-17 | 20:10 ET | [DEF 14A](/filings/0001795586-26-000028.md) | Proxy statement, period 2026-06-02 | 0001795586-26-000028 |
| 2026-03-06 | 00:16 ET | [10-K](/filings/0001795586-26-000013.md) | Annual report, period 2025-12-31 | 0001795586-26-000013 |
| 2026-02-25 | 21:07 ET | [8-K](/filings/0001795586-26-000004.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001795586-26-000004 |
| 2025-12-10 | 21:08 ET | [8-K](/filings/0001795586-25-000023.md) | 5.02 Departure or appointment of officers or directors | 0001795586-25-000023 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001795586-26-000013.md), filed Mar 6, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/9b1b4cec-aea1-4402-a913-34b466913ac9)

## About the filer

- CIK: 1795586
- Tickers: CHYM
- Exchange: Nasdaq
- SIC code: 6199 Finance Services
- State of incorporation: DE
- Filer category: Non-accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:48 ET. No prices; not investment advice.