Business
OUR COMPETITIVE ADVANTAGES A focus on primary account relationships We designed our business to develop primary account relationships with our members, establishing Chime as their central financial hub.
Chime Financial, Inc.: Revenue grew 30.7% to $2.187B from $1.673B. Net loss widened to $1.01B from $25.34M. Free cash flow declined 44.6% to $32.89M from $59.33M. Operating margin contracted 4384 bps to -47.56%. Chime Financial, Inc.'s annual comparison also shows free cash flow declined despite revenue growth; stock compensation grew faster than revenue; capital spending grew faster than revenue; the balance-sheet screen falls in the distress range and requires business-model context.
The read at a glance✓ Audited against SEC data
- Growth — Revenue grew 30.7% to $2.187B from $1.673BOK
- Profitability — Net loss widened to $1.01B from $25.34MWatch
- Cash flow — Free cash flow declined 44.6% to $32.89M from $59.33MWatch
- Margins — Operating margin contracted 4384 bps to -47.56%Watch
- Accounting — Distress-range screen needs contextWatch
- Insiders — 0 purchases and 12 salesWatch
Where the revenue comes from
Fiscal 2025, as Chime Financial, Inc. reports it. History and quarterly detail are in the app.
- Payments revenue$1.5B
- Platform-related revenue$686.2M
- MyPay$333.5M
Leadership changes
From Chime Financial, Inc.'s own filings, the day they're filed.
- Mark Troughton · President · appointmenteff. 2025-12-08
- Cape Town · President · appointment
Latest filings
- 10-Q · Quarterly report2026-08-06
- 8-K · Company announcement2026-08-05
- 8-K · Company announcement2026-06-04
- 10-Q · Quarterly report2026-05-07
- 8-K · Company announcement2026-05-06
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about Chime Financial, Inc., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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