Chime Financial, Inc. income statement

In fiscal 2025, Chime Financial, Inc. reported revenue of $2.19bn, up 30.7% on the year before, operating income of −$1.04bn (a -47.6% margin) and net income of −$1.01bn, or −$4.27 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Chime Financial, Inc.: income statement, annual
Fiscal year	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMJun 2026
Revenue	1,278	1,673	2,187	2,457
Cost of revenue	220	208	263	277
Gross profit	1,059	1,466	1,924	2,180
Research and development	259	310	935	457
Selling and marketing	444	520	635	647
General and administrative	155	177	512	336
Operating income	−236	−62	−1,040	−51
Provision for credit losses	—	31	75	61
Income before tax	−203	−23	−1,009	−17
Income tax	0	3	1	1
Net income	−203	−25	−1,010	−18
Diluted EPS	−$3.22	−$0.39	−$4.27	—
Diluted shares (average)	63m	65m	236m	—
EBITDA	−223	−37	−1,010	−20

US$ millions unless shown otherwise. Fiscal quarters.

Chime Financial, Inc.: income statement, quarterly
Quarter	2024 Q3Sept 2024	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026
Revenue	422	475	519	528	544	596	647	670
Cost of revenue	54	56	60	67	69	66	67	75
Gross profit	368	419	458	461	474	530	580	595
Research and development	80	79	78	622	124	111	110	112
Selling and marketing	143	142	133	185	154	164	165	164
General and administrative	47	50	47	280	77	109	70	80
Operating income	−31	−27	9	−931	−65	−54	46	21
Provision for credit losses	—	—	22	20	18	15	13	15
Income before tax	−20	−19	14	−924	−54	−45	54	28
Income tax	2	1	2	−1	0	0	0	0
Net income	−22	−20	13	−923	−55	−45	53	28
Diluted EPS	−$0.06	−$0.05	$0.00	−$2.43	−$0.15	$0.83	$0.13	$0.07
EBITDA	−24	−20	16	−923	−57	−46	54	29

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from Chime Financial, Inc.'s SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Chime Financial, Inc.