Chime Financial, Inc.
For the period ended Sep 30, 2026. Filed Nov 5, 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.
Sep 30, 2026 · Filed Nov 5, 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
| Nine Months EndedSeptember 30, | ||
|---|---|---|
| 2026 | 2025 | |
| Operating activities: | ||
| Net income (loss) | $125,030 | $(965,159) |
| Adjustments to reconcile net income (loss) to net cash provided by operating activities: | ||
| Depreciation and amortization | 23,160 | 22,183 |
| Non-cash lease expense | 6,645 | 4,989 |
| Stock-based compensation | 204,290 | 1,003,598 |
| Stock-based charitable contribution | 3,190 | 11,168 |
| Provision for transaction dispute losses | 53,354 | 48,048 |
| Change in fair value of product obligation | (81,452) | 41,575 |
| Provision for credit losses | 50,794 | 62,266 |
| Amortization of premium on marketable securities | (710) | (4,010) |
| Other | 2,906 | 448 |
| Changes in operating assets and liabilities: | ||
| Product collateral | 31,410 | (47,232) |
| Accounts receivable, net | (63,796) | (22,622) |
| Prepaid expenses and other assets | 35,860 | (7,781) |
| Accounts payable | (9,470) | 4,180 |
| Accrued and other liabilities | (36,395) | (97,964) |
| Operating lease liabilities | (5,561) | (11,810) |
| Settlements of the product obligation | 81,768 | (21,650) |
| Cash flows provided by operating activities | 421,023 | 20,227 |
| Investing activities: | ||
| Purchase of marketable securities | (366,124) | (665,283) |
| Proceeds from sales of marketable securities | — | 256,514 |
| Proceeds from maturities of marketable securities | 402,300 | 147,200 |
| Purchases of loans held for investment | (4,358,992) | (3,616,906) |
| Repayments of loans held for investment | 4,289,042 | 3,547,726 |
| Purchase of property, equipment and software | (21,292) | (5,688) |
| Capitalization of internal-use software | (1,181) | (8,046) |
| Cash flows (used in) investing activities | (56,247) | (344,483) |
| Financing activities: | ||
| Payment of debt issuance costs | (905) | (1,134) |
| Proceeds from issuance of common stock under employee stock purchase plan | 8,284 | — |
| Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid | — | 771,239 |
| Taxes paid related to net share settlement of restricted stock units | (5,675) | (348,072) |
| Proceeds from borrowings under the warehouse facility | 100,000 | — |
| Proceeds from exercise of stock options | 30,356 | 10,925 |
| Repurchases of common stock | (222,074) | — |
| Cash flows provided by (used in) financing activities | (90,014) | 432,958 |
| Net increase in cash and cash equivalents and restricted cash | 274,762 | 108,702 |
| Cash, cash equivalents, and restricted cash, beginning of period | 480,760 | 350,000 |
| Cash, cash equivalents, and restricted cash, end of period | $755,522 | $458,702 |
| Cash and cash equivalents, end of the period | $636,656 | $445,026 |
| Restricted cash, end of the period | 118,866 | 13,676 |
| Cash, cash equivalents, and restricted cash, end of the period | $755,522 | $458,702 |
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
| Nine Months EndedSeptember 30, | ||
|---|---|---|
| 2026 | 2025 | |
| Supplementary cash flow disclosure: | ||
| Cash paid for interest | $1,596 | $409 |
| Cash paid for income taxes, net of refunds received | $1,839 | $1,111 |
| Supplemental disclosures of noncash investing and financing activities: | ||
| Deferred offering costs not yet paid | $— | $651 |
| Reclassification of deferred offering costs to additional paid-in capital upon initial public offering | $— | $14,815 |
| Conversion of redeemable convertible preferred stock to common stock in connection with initial public offering | $— | $2,890,121 |
| Right-of-use assets obtained in exchange for lease obligations | $— | $53,237 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.