Chime Financial, Inc.
For the period ended Mar 31, 2026. Filed May 7, 2026.
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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.
Mar 31, 2026 · Filed May 7, 2026
CHYM$32.54+0.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Statements of Cash Flows
(In thousands)
| Three Months EndedMarch 31, | ||
|---|---|---|
| 2026 | 2025 | |
| Operating activities: | ||
| Net income | $53,456 | $12,939 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation and amortization | 7,665 | 7,258 |
| Non-cash lease expense | 2,351 | 1,534 |
| Stock-based compensation | 60,652 | 8,696 |
| Provision for transaction dispute losses | 22,327 | 17,971 |
| Change in fair value of product obligation | (26,547) | 28,751 |
| Provision for credit losses | 14,534 | 23,549 |
| Amortization of premium on marketable securities | (162) | (1,627) |
| Other | 965 | 441 |
| Changes in operating assets and liabilities: | ||
| Product collateral | 19,727 | 4,151 |
| Accounts receivable, net | (37,679) | (26,155) |
| Prepaid expenses and other assets | 19,972 | (8,680) |
| Accounts payable | (760) | 1,768 |
| Accrued and other liabilities | (47,399) | (73,954) |
| Operating lease liabilities | (1,929) | (3,937) |
| Settlements of the product obligation | 306 | (18,456) |
| Cash flows (used in) provided by operating activities | 87,479 | (25,751) |
| Investing activities: | ||
| Purchase of marketable securities | — | (38,502) |
| Proceeds from maturities of marketable securities | 182,300 | 72,201 |
| Purchases of loans held for investment | (1,296,434) | (1,139,723) |
| Repayments of loans held for investment | 1,248,891 | 1,117,516 |
| Purchase of property, equipment and software | (6,621) | (1,593) |
| Capitalization of internal-use software | (831) | (3,198) |
| Cash flows provided by investing activities | 127,305 | 6,701 |
| Financing activities: | ||
| Payment of debt issuance costs related to credit facilities | — | (843) |
| Taxes paid related to net share settlement of restricted stock units | (1,540) | — |
| Proceeds from exercise of stock options | 13,923 | 717 |
| Repurchases of common stock | (85,740) | — |
| Cash flows used in financing activities | (73,357) | (126) |
| Net increase in cash and cash equivalents and restricted cash | 141,427 | (19,176) |
| Cash, cash equivalents, and restricted cash, beginning of period | 480,760 | 350,000 |
| Cash, cash equivalents, and restricted cash, end of period | $622,187 | $330,824 |
| Cash and cash equivalents, end of the period | $607,677 | $318,160 |
| Restricted cash, end of the period | 14,510 | 12,664 |
| Cash, cash equivalents, and restricted cash, end of the period | $622,187 | $330,824 |
| Supplementary cash flow disclosure: | ||
| Cash paid for interest | $280 | $165 |
| Cash paid for income taxes, net of refunds received | $40 | $43 |
| Supplemental disclosures of noncash investing and financing activities: | ||
| Purchases of property, equipment and software in accounts payable | $— | $102 |
| Unpaid debt issuance costs | $— | $508 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.