Chime Financial (CHYM) Q4 FY2025 earnings: revenue $596 million
Chime Financial, Inc. (CHYM) reported revenue of $596 million for Q4 FY2025, the quarter ended 31 December 2025. Net income was -$45 million, and diluted earnings per share $-0.12. The figures are the company's own, from the 10-K it filed with the SEC on 6 March 2026.
Revenue$596 million
Net income-$45 million
Diluted EPS$-0.12
QuarterQ4 FY2025ended 31 December 2025
The quarter, against the one before and a year earlier
| Line | Q4 FY2025 | Q3 FY2025 | A year earlier | Change on the year |
|---|---|---|---|---|
| Revenue | 596 | 544 | n/a | n/a |
| Cost of revenue | 66.1 | 69.4 | n/a | n/a |
| Gross profit | 530 | 474 | n/a | n/a |
| Gross margin | 88.9% | 87.2% | n/a | |
| Research and development | 111 | 124 | n/a | n/a |
| Operating income | -53.8 | -64.7 | n/a | n/a |
| Operating margin | -9.0% | -11.9% | n/a | |
| Pre-tax income | -44.7 | -54.4 | n/a | n/a |
| Income tax | 0.0 | 0.3 | n/a | n/a |
| Net income | -44.8 | -54.7 | n/a | n/a |
| Net margin | -7.5% | -10.1% | n/a | |
| Diluted EPS | -$0.12 | -$0.15 | n/a | n/a |
$ million except per share.
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Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.Cash flow and capital returned
| Line | Q4 FY2025 | Q3 FY2025 | A year earlier | Change on the year |
|---|---|---|---|---|
| Operating cash flow | 32.6 | 17.5 | n/a | n/a |
| Capital expenditure | 14.2 | 2.1 | n/a | n/a |
| Free cash flow | 18.4 | 15.4 | n/a | n/a |
| Free cash flow margin | 3.1% | 2.8% | n/a | |
| Cash from investing | 54.8 | -424 | n/a | n/a |
| Cash from financing | -65.3 | -17.0 | n/a | n/a |
| Depreciation and amortisation | 7.8 | 7.5 | n/a | n/a |
| Share-based compensation | 67.3 | 84.8 | n/a | n/a |
| Buybacks | 77.5 | 0.0 | n/a | n/a |
| Diluted shares, weighted | 376m | 372m | n/a | n/a |
| Shares outstanding at period end | 0 | 0 | n/a | n/a |
Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.
Balance sheet at quarter end
| Line | Q4 FY2025 | Q3 FY2025 | A year earlier | Change on the year |
|---|---|---|---|---|
| Shareholders' equity | 1,402 | 1,443 | n/a | n/a |
| Redeemable equity | 0.0 | 0.0 | n/a | n/a |
| Operating lease liabilities | 123 | 126 | n/a | n/a |
| Other liabilities | 440 | 393 | n/a | n/a |
| Total liabilities and equity | 1,965 | 1,962 | n/a | n/a |
| Fixed assets | 94.3 | 86.5 | n/a | n/a |
| Goodwill | 27.5 | 27.5 | n/a | n/a |
| Intangible assets | 27.5 | n/a | n/a | n/a |
| Investments | 588 | 634 | n/a | n/a |
| Loans | 71.6 | 109 | n/a | n/a |
| Cash and equivalents | 466 | 445 | n/a | n/a |
| Receivables | 258 | 238 | n/a | n/a |
| Other assets | 432 | 423 | n/a | n/a |
| Total assets | 1,965 | 1,962 | n/a | n/a |
Questions
What was Chime Financial's revenue in Q4 FY2025?
Chime Financial (CHYM) reported revenue of $596 million for Q4 FY2025, the quarter ended 31 December 2025.
How much did Chime Financial earn in Q4 FY2025?
Net loss for Q4 FY2025 was $45 million, and the diluted loss per share $0.12.
When did Chime Financial report Q4 FY2025 results?
Chime Financial filed its 10-K for the year that ended with the quarter on 6 March 2026; the fourth quarter is the year less the first three.
Quarterly results, the last 8 quarters
| Q2 FY2024 | Q3 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 * | Q1 FY2026 | Q2 FY2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 384 | 422 | 519 | 528 | 544 | 596 | 647 | 670 |
| Cost of revenue | 50.5 | 53.5 | 60.4 | 67.1 | 69.4 | 66.1 | 67.1 | 74.9 |
| Gross profit | 334 | 368 | 458 | 461 | 474 | 530 | 580 | 595 |
| Gross margin | 87% | 87% | 88% | 87% | 87% | 89% | 90% | 89% |
| R&D | 75.4 | 80.4 | 77.9 | 622 | 124 | 111 | 110 | 112 |
| Operating income | -9.4 | -30.6 | 9.1 | -931 | -64.7 | -53.8 | 46.2 | 21.3 |
| Operating margin | -2% | -7% | 2% | -176% | -12% | -9% | 7% | 3% |
| Pre-tax income | 0.5 | -19.8 | 14.5 | -924 | -54.4 | -44.7 | 53.9 | 28.1 |
| Tax rate | 17% | n/a | 11% | n/a | n/a | n/a | 1% | 1% |
| Net income | 0.4 | -22.0 | 12.9 | -923 | -54.7 | -44.8 | 53.5 | 27.9 |
| Net margin | 0% | -5% | 2% | -175% | -10% | -8% | 8% | 4% |
| Diluted EPS | $0.00 | -$0.34 | $0.00 | -$7.29 | -$0.15 | -$0.12 | $0.13 | $0.07 |
| Operating cash flow | n/a | -24.9 | -25.8 | 28.5 | 17.5 | 32.6 | 87.5 | 207 |
| Capital expenditure | n/a | 3.1 | 1.6 | 2.0 | 2.1 | 14.2 | 6.6 | 9.9 |
| Free cash flow | n/a | -28.0 | -27.3 | 26.5 | 15.4 | 18.4 | 80.9 | 198 |
| Buybacks | n/a | 0.4 | 0.0 | 0.0 | 0.0 | 77.5 | 85.7 | 136 |
| Shares outstanding | n/a | n/a | n/a | 0 | 0 | 0 | n/a | n/a |
| Filing | 10-Q | 10-Q | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q |
Each quarter as filed, linked to its filing.
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* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.10-K for the period ended 31 December 2025, filed 6 March 2026: the filing.