Chime Financial, Inc.
For the period ended Sep 30, 2025. Filed Nov 10, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 10, 2025
CHYM$32.53+3.8%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Balance Sheets
| September 30,2025 | December 31,2024 | |
|---|---|---|
| Assets | ||
| Current assets: | ||
| Cash and cash equivalents | $445,026 | $337,697 |
| Restricted cash | 13,676 | 12,303 |
| Marketable securities | 633,738 | 368,889 |
| Product collateral | 228,955 | 181,723 |
| Accounts receivable, net | 237,652 | 216,161 |
| Loans held for investment, net | 108,996 | 99,799 |
| Prepaid expenses and other current assets | 90,854 | 70,464 |
| Total current assets | 1,758,897 | 1,287,036 |
| Property, equipment and software, net | 86,480 | 92,700 |
| Operating lease right of use assets, net | 85,652 | 49,332 |
| Other assets | 31,282 | 31,969 |
| Total assets | $1,962,311 | $1,461,037 |
| Liabilities, redeemable convertible preferred stock, and stockholders❜ equity (deficit) | ||
| Current liabilities: | ||
| Accounts payable | $40,026 | $35,846 |
| Accrued and other current liabilities | 181,587 | 224,594 |
| Product obligation | 134,302 | 114,377 |
| Total current liabilities | 355,915 | 374,817 |
| Operating lease liabilities, net of current portion | 125,841 | 80,590 |
| Other non-current liabilities | 37,281 | 46,109 |
| Total liabilities | 519,037 | 501,516 |
| Commitments and contingencies (Note 16) | ||
| Redeemable convertible preferred stock, $0.0001 par value: No shares authorized, issued, and outstanding as of September 30, 2025. 258,613,394 shares authorized and 258,464,156 shares issued and outstanding with a liquidation preference of $2,894,515 as of December 31, 2024. | — | 2,890,121 |
| Stockholders’ equity (deficit): | ||
| Preferred stock, $0.0001 par value: 100,000,000 shares authorized, no shares issued and outstanding as of September 30, 2025. No shares authorized, issued, and outstanding as of December 31, 2024. | — | — |
| Common stock, $0.0001 par value: No shares authorized, issued, and outstanding as of September 30, 2025. 416,094,141 shares authorized, 66,950,736 shares issued and outstanding as of December 31, 2024. | — | 2 |
| Class A common stock, $0.0001 par value: 5,000,000,000 shares authorized, 342,235,376 shares issued and outstanding as of September 30, 2025. No shares authorized, issued and outstanding as of December 31, 2024. | 28 | — |
| Class B common stock, $0.0001 par value: 65,000,000 shares authorized, 32,182,289 shares issued and outstanding as of September 30, 2025. No shares authorized, issued and outstanding as of December 31, 2024. | 3 | — |
| Class C common stock, $0.0001 par value: 500,000,000 shares authorized, no shares issued and outstanding as of September 30, 2025. No shares authorized, issued and outstanding as of December 31, 2024 | — | — |
| Additional paid-in capital | 4,772,649 | 433,363 |
| Accumulated other comprehensive income (loss) | (79) | 203 |
| Accumulated deficit | (3,329,327) | (2,364,168) |
| Total stockholders’ equity (deficit) | 1,443,274 | (1,930,600) |
| Total liabilities, redeemable convertible preferred stock, and stockholders’ equity (deficit) | $1,962,311 | $1,461,037 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.