CHYM on Nasdaq

Chime Financial, Inc.

We created Chime to help everyday people make progress in their financial lives.1

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Last updated Oct 19, 2026.

Overview

$2.2BRevenue, fiscal 20252
-$1.0BNet income, fiscal 20252

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  • TickerCHYM on Nasdaq1
  • IndustryFinance Services1
  • HeadquartersSan Francisco, California1
  • Incorporated inDE3
  • Business address101 California Street, Suite 500, San Francisco, Ca 941113
  • Filer categoryNon-accelerated filer3

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We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the nearly 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests. So we set out to create a new approach, built on a foundation of trust rather than fine print and punitive fees. Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

88.0%Gross margin2
-47.6%Operating margin2
-46.2%Net margin2
30.7%Revenue growth, 20252
-72.1%Return on equity2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Payments Revenue brought in 60% of the revenue Chime Financial, Inc. broke down this way in fiscal 2025.

  1. Payments Revenue$1.5B260%up 18% from 2024
  2. Platform-Related Revenue$686.2M227%up 73% from 2024
  3. MyPay$333.5M213%up 176% from 2024
Products and services by year
Products and services202320242025
Payments Revenue$1.0B$1.3B$1.5B
Platform-Related Revenue$257.3M$396.7M$686.2M
MyPay$121.0M$333.5M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Cost of revenue12¢$263.0M
  • Research and development43¢$934.9M
  • Other costs45¢$988.0M
  • Income tax0¢$831.0K

Out of $2.2B in revenue.2 The company lost money this year.

Where each dollar of operating cash went, fiscal 2025

  • Share buybacks100¢$77.5M

Out of $52.8M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.2

Financial statements

Revenue2$2.2B in 2025+71% since 2023
0$1.0B$2.0B$3.0B2023: $1.3B$1.3B20232024: $1.7B$1.7B2024+31%2025: $2.2B$2.2B2025+31%
Gross profit2$1.9B in 2025+82% since 2023
0$500.0M$1.0B$1.5B$2.0B2023: $1.1B$1.1B20232024: $1.5B$1.5B2024+38%2025: $1.9B$1.9B2025+31%
Operating income2-$1.0B in 2025+341% since 2023
-$1.5B-$1.0B-$500.0M02023: -$235.8M-$235.8M20232024: -$62.2M-$62.2M2024−74%2025: -$1.0B-$1.0B2025+1572%
Net income2-$1.0B in 2025+397% since 2023
-$1.5B-$1.0B-$500.0M02023: -$203.2M-$203.2M20232024: -$25.3M-$25.3M2024−88%2025: -$1.0B-$1.0B2025+3885%

Every line of the income statement as filed: the last 3 fiscal years, latest first.2

Period ending2025-12-312024-12-312023-12-31
Revenue$2.2B$1.7B$1.3B
Cost of revenue$263.0M$207.5M$219.7M
Gross profit$1.9B$1.5B$1.1B
Transaction and risk losses$407.3M$219.7M$152.4M
Member support and operations$458.0M$286.9M$272.8M
Sales and marketing$635.4M$519.8M$443.8M
Technology and development$934.9M$309.6M$259.0M
General and administrative$512.1M$177.2M$154.9M
Depreciation and amortization$16.0M$14.8M$11.6M
Total operating expenses$3.0B$1.5B$1.3B
Loss from operations-$1.0B-$62.2M-$235.8M
Other income, net$30.9M$39.5M$32.8M
Income (loss) before income taxes-$1.0B-$22.7M-$203.0M
Provision for income taxes$831.0K$2.6M$234.0K
Net loss-$1.0B-$25.3M-$203.2M
Net loss per share, basic (in usd per share)-$4.27-$0.39-$3.22
Net loss per share, diluted (in usd per share)-$4.27-$0.39-$3.22
Weighted average number of common shares outstanding used to compute net loss per share, basic (in shares)236.3M shares64.9M shares63.1M shares
Weighted average number of common shares outstanding used to compute net loss per share, diluted (in shares)236.3M shares64.9M shares63.1M shares

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Leadership

Who has led Chime Financial, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Christopher R. Britt2025–now

President

  1. Mark T. Troughton2025–now

Chief financial officer

  1. Matthew S. Newcomb2025–2026
  2. Mark T. Troughton2026–now

Chief operating officer

  1. Mark T. Troughton2025–now
Board members and other officers (10)

Timeline

  1. Jun 11, 2025New chief executive Christopher R. Britt becomes CEO9

Filings

230 filings to the SEC since October 2021: 1 annual reports, 4 quarterly reports, 8 major events, 131 insider forms, 10 large holders, 76 other. The latest 20:

  1. Oct 13, 20264 EDGAR
  2. Oct 13, 2026144 EDGAR
  3. Oct 9, 2026144 EDGAR
  4. Sep 16, 2026144 EDGAR
  5. Sep 16, 2026144 EDGAR
  6. Sep 16, 2026144 EDGAR
  7. Sep 16, 20264 EDGAR
  8. Sep 16, 20264 EDGAR
  9. Sep 16, 20264 EDGAR
  10. Sep 16, 20264 EDGAR
  11. Sep 15, 20264 EDGAR
  12. Sep 15, 20264 EDGAR
  13. Sep 15, 2026144 EDGAR
  14. Sep 15, 2026144 EDGAR
  15. Sep 15, 2026144 EDGAR
  16. Sep 15, 20264 EDGAR
  17. Sep 15, 20264 EDGAR
  18. Sep 14, 2026144 EDGAR
  19. Sep 14, 2026144 EDGAR
  20. Sep 14, 20264 EDGAR

The 230 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

65 open-market trades by officers, directors and large owners since October 2021: 1 buys and 64 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 16, 2026Feuille JamesDirectorSale256,837$32.33$8.3MForm 4
Sep 15, 2026Feuille JamesDirectorSale95,400$33.21$3.2MForm 4
Sep 15, 2026FRANKEL ADAM BGeneral CounselSale102,002$33.31$3.4MForm 4
Sep 14, 2026Feuille JamesDirectorSale95,400$34.09$3.3MForm 4
Sep 14, 2026DST Global Advisors Ltd10% ownerSale3,216,189$33.99$109.3MForm 4
Sep 14, 2026DSTG VI Investments-A, L.P.10% ownerSale3,216,189$33.99$109.3MForm 4
Sep 11, 2026Marshall CynthiaDirectorSale20,000$33.09$661.8KForm 4
Sep 11, 2026CAROLAN SHAWN TDirectorSale277,007$33.05$9.2MForm 4
Sep 11, 2026Feuille JamesDirectorSale258,398$32.94$8.5MForm 4
Sep 11, 2026Cardew Services Ltd10% ownerSale207,513$33.07$6.9MForm 4
Sep 11, 2026DSTG VI Investments-A, L.P.10% ownerSale207,513$33.07$6.9MForm 4
Sep 10, 2026CAROLAN SHAWN TDirectorSale302,306$33.21$10.0MForm 4
Sep 10, 2026Feuille JamesDirectorSale93,492$33.15$3.1MForm 4
Sep 9, 2026King Ryan ACo-FounderSale42,421$35.15$1.5MForm 4
Sep 9, 2026Zinonos Despoina10% ownerSale59,630$35.03$2.1MForm 4
Sep 9, 2026DST Managers VI Ltd10% ownerSale59,630$35.03$2.1MForm 4
Sep 8, 2026Asmerom AmineChief Accounting OfficerSale19,505$32.94$642.5KForm 4
Sep 1, 2026Britt Christopher RChief Executive OfficerSale200,000$32.04$6.4MForm 4
Aug 28, 2026Britt Christopher RChief Executive OfficerSale100,000$34.03$3.4MForm 4
Aug 26, 2026Galileo (PTC) Ltd10% ownerSale1,168,667$33.04$38.6MForm 4

All 65 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Galileo (PTC) Ltd52,268,715$1.1B96.7%No change
Crosslink Capital Inc26,185,368$536.3M39.6%No change
General Atlantic, L.P.21,259,683$435.4M15.0%No change
Menlo Ventures Management, L.P.17,442,713$357.2M100.0%No change
Aspect Management, LLC11,933,275$244.4M100.0%No change
BlackRock, Inc.11,244,380$230.3M0.0%+9,819,060
Vanguard Portfolio Management LLC10,198,789$208.9M0.0%+169,529
Vanguard Capital Management LLC9,215,115$188.7M0.0%−344,994
Forerunner Ventures Management, LLC8,031,107$164.5M100.0%−1,000,000
Capital Research Global Investors5,657,874$115.9M0.0%−456,011
Tiger Global Management LLC5,284,045$108.2M0.5%−5,797,735
Softbank Group Corp.5,067,336$103.8M0.6%No change
Arrowstreet Capital, Limited Partnership4,973,193$101.9M0.0%+2,216,638
Orland Properties Ltd4,610,050$94.4M46.7%No change
Dragoneer Investment Group, LLC4,308,999$88.2M3.1%No change
Patient Capital Management, LLC4,082,489$83.6M2.8%+1,200,473
Divisadero Street Capital Management, LP3,626,050$74.3M1.7%New
Greenhouse Funds LLLP3,418,402$70.0M3.7%−3,353
Spyglass Capital Management LLC3,406,249$69.8M3.8%+2,109,057
Geode Capital Management, LLC2,292,050$65.9M0.0%+1,456,219
Norges Bank3,087,275$63.2M0.0%New
Marshall Wace, Llp2,687,572$55.0M0.0%−704,478
Ashton Thomas Private Wealth, LLC2,655,295$54.4M1.1%−197,625
State Street Corp2,519,494$51.6M0.0%+2,293,301
American Century Companies Inc2,508,473$51.4M0.0%+498,942

13F reports cover disclosed long positions in U.S. stocks only.

Sources

The numbers on this page point here. Each one links to the record it came from.

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