Chime Financial, Inc.

For the period ended Sep 30, 2025. Filed Nov 10, 2025.

About this filing

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$32.54+0.0%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Statements of Operations

(In thousands, except share and per share amounts)

	Three Months EndedSeptember 30,		Nine Months EndedSeptember 30,
	2025	2024	2025	2024
Revenue	$543,519	$421,871	$1,590,412	$1,198,057
Cost of revenue	69,401	53,516	196,939	151,467
Gross profit	474,118	368,355	1,393,473	1,046,590
Operating expenses:
Transaction and risk losses	97,053	55,159	304,445	126,197
Member support and operations	83,658	70,054	365,364	207,943
Sales and marketing	153,608	143,123	471,187	378,191
Technology and development	123,942	80,400	823,578	230,701
General and administrative	76,575	46,645	403,415	127,535
Depreciation and amortization	3,992	3,618	11,695	11,076
Total operating expenses	538,828	398,999	2,379,684	1,081,643
Loss from operations	(64,710)	(30,644)	(986,211)	(35,053)
Other income, net	10,268	10,817	21,837	31,230
Loss before income taxes	(54,442)	(19,827)	(964,374)	(3,823)
Provision for income taxes	280	2,199	785	1,915
Net loss	$(54,722)	$(22,026)	$(965,159)	$(5,738)
Net loss per share attributable to common stockholders, basic and diluted	$(0.15)	$(0.34)	$(5.10)	$(0.09)
Weighted average number of shares outstanding used to compute net loss per share attributable to common stockholders, basic and diluted	371,829,972	65,149,191	189,227,164	64,757,159

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.