Chime Financial, Inc.CHYMEarnings & Financial Report
Chime Financial, Inc. is an American financial technology company based in San Francisco, California. It provides fee-free mobile banking services through two national banks, Stride Bank and The Bancorp Bank.
CHYM Q3 FY2025 Key Financial Metrics
Revenue
$543.5M
Gross Profit
$474.1M
Operating Profit
$-64.7M
Net Profit
$-54.7M
Gross Margin
87.2%
Operating Margin
-11.9%
Net Margin
-10.1%
YoY Growth
28.8%
EPS
$-0.15
Chime Financial, Inc. Q3 FY2025 Financial Summary
Chime Financial, Inc. reported revenue of $543.5M (up 28.8% YoY) for Q3 FY2025, with a net profit of $-54.7M (down 148.4% YoY) (-10.1% margin). Cost of goods sold was $69.4M, operating expenses totaled $538.8M.
Key Financial Metrics
| Total Revenue | $543.5M |
|---|---|
| Net Profit | $-54.7M |
| Gross Margin | 87.2% |
| Operating Margin | -11.9% |
| Report Period | Q3 FY2025 |
Revenue Breakdown
Chime Financial, Inc. Q3 FY2025 revenue of $543.5M breaks down across 2 segments, led by Payments Revenue at $363.2M (66.8% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Payments Revenue | $363.2M | 66.8% |
| Platform Related Revenue | $180.4M | 33.2% |
Chime Financial, Inc. Revenue by Segment — Quarterly Trend
Chime Financial, Inc. revenue by segment across the last 4 reported quarters, showing how each business line (such as Payments Revenue and Platform Related Revenue) has evolved quarter over quarter.
| Segment | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Q2 FY2024 |
|---|---|---|---|---|
| Payments Revenue | $363.2M | $366.1M | — | — |
| Platform Related Revenue | $180.4M | $162.0M | — | — |
Chime Financial, Inc. Quarterly Revenue & Net Profit History
Chime Financial, Inc. results over the last 4 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q3 FY2025 | $543.5M | +28.8% | $-54.7M | -10.1% |
| Q2 FY2025 | $528.1M | +37.5% | $-923.4M | -174.8% |
| Q3 FY2024 | $421.9M | — | $-22.0M | -5.2% |
| Q2 FY2024 | $384.2M | — | $385.0K | 0.1% |
Income Statement
| Q2 2024 | Q3 2024 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|
| Revenue | $384.2M | $421.9M | $528.1M | $543.5M |
| YoY Growth | N/A | N/A | 37.5% | 28.8% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|
| Assets | N/A | N/A | $1.90B | $1.96B |
| Liabilities | N/A | N/A | $474.4M | $519.0M |
| Equity | $-1.91B | $-1.92B | $1.43B | $1.44B |
Cash Flow
| Q2 2025 | Q3 2025 | |
|---|---|---|
| Operating CF | $2.7M | $17.5M |