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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$197,538K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Repayments of loans held for inv...
Proceeds from maturities of mark...
Stock-based compensation
Others
Negative Cash Flow Breakdown
Purchases of loans held for inve...
Purchase of marketable securitie...
Repurchases of common stock
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
27,850
53,456
-44,777
-54,722
Depreciation and amortization
7,557
7,665
7,817
7,514
Non-cash lease expense
2,214
2,351
2,223
1,931
Stock-based compensation
69,400
60,652
67,300
84,755
Stock-based charitable contribution
1,495
-
0
0
Provision for transaction dispute losses
21,398
22,327
15,513
48,048
Change in fair value of product obligation
-25,735
-26,547
179
-2,004
Provision for credit losses
14,828
14,534
15,398
18,170
Impairment related to real estate assets and internal-use software
-
-
0
0
Amortization of premium on marketable securities
33
-162
-1,120
-1,645
Other
2,232
965
-542
240
Product collateral
-26,654
-19,727
22,249
15,972
Accounts receivable, net
-6,509
37,679
20,335
8,280
Prepaid expenses and other assets
-15,859
-19,972
15,843
6,349
Accounts payable
-1,665
-760
-1,346
-11,774
Accrued and other liabilities
1,785
-47,399
20,532
-4,673
Operating lease liabilities
-1,855
-1,929
-3,098
-4,037
Settlements of the product obligation
38,918
306
12,901
-2,673
Cash flows provided by operating activities
207,477
87,479
32,553
17,484
Purchase of marketable securities
235,641
0
69,677
431,233
Proceeds from sales of marketable securities
0
-
0
0
Proceeds from maturities of marketable securities
110,000
182,300
117,500
24,000
Purchases of loans held for investment
1,409,930
1,296,434
1,323,193
1,248,754
Repayments of loans held for investment
1,403,575
1,248,891
1,345,151
1,236,092
Purchase of property, equipment and software
9,939
6,621
14,199
5,688
Capitalization of internal-use software
1
831
787
8,046
Acquisition of business, net of cash acquired
-
-
0
0
Cash flows provided by (used in) investing activities
-141,936
127,305
54,795
-423,609
Payment of debt issuance costs
905
0
0
0
Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid
0
-
-651
-1,317
Taxes paid related to net share settlement of restricted stock units
1,467
1,540
1,334
25,453
Proceeds from borrowings under the warehouse facility
50,000
-
-
-
Proceeds from exercise of stock options
2,037
13,923
14,233
9,798
Repurchases of common stock
136,334
85,740
77,538
0
Cash flows provided by (used in) financing activities
-86,669
-73,357
-65,290
-16,972
Net increase in cash and cash equivalents and restricted cash
-21,128
141,427
22,058
-423,097
Cash, cash equivalents, and restricted cash, beginning of period
480,760
480,760
350,000
350,000
Cash, cash equivalents, and restricted cash, end of period
601,059
622,187
480,760
-
Cash and cash equivalents, end of the period
536,045
607,677
466,252
445,026
Restricted cash, end of the period
65,014
14,510
14,508
13,676
Cash, cash equivalents, and restricted cash, end of the period
601,059
622,187
480,760
458,702
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Stock-based compensation
$69,400K
(-92.45%↓ Y/Y)
Settlements of the product
obligation
$38,918K
(305.08%↑ Y/Y)
Net income (loss)
$27,850K
(103.06%↑ Y/Y)
Product collateral
-$26,654K
(-185.27%↓ Y/Y)
Provision for transaction
dispute losses
$21,398K
(-31.07%↓ Y/Y)
Prepaid expenses and
other assets
-$15,859K
(-1207.47%↓ Y/Y)
Provision for credit
losses
$14,828K
(-66.37%↓ Y/Y)
Depreciation and
amortization
$7,557K
(-48.48%↓ Y/Y)
Accounts receivable, net
-$6,509K
(-145.38%↓ Y/Y)
Other
$2,232K
(973.08%↑ Y/Y)
Non-cash lease expense
$2,214K
(-27.60%↓ Y/Y)
Accrued and other
liabilities
$1,785K
(101.91%↑ Y/Y)
Stock-based charitable
contribution
$1,495K
(-86.61%↓ Y/Y)
Amortization of premium on
marketable securities
$33K
(101.40%↑ Y/Y)
Cash flows provided
by operating...
$207,477K
(7463.87%↑ Y/Y)
Canceled cashflow
$29,255K
Net increase in cash
and cash...
-$21,128K
(-103.97%↓ Y/Y)
Canceled cashflow
$207,477K
Repayments of loans held for
investment
$1,403,575K
(-39.28%↓ Y/Y)
Proceeds from maturities
of marketable...
$110,000K
(-10.71%↓ Y/Y)
Proceeds from borrowings
under the warehouse...
$50,000K
Proceeds from exercise of
stock options
$2,037K
(80.75%↑ Y/Y)
Change in fair value of
product obligation
-$25,735K
(-159.05%↓ Y/Y)
Operating lease
liabilities
-$1,855K
(76.14%↑ Y/Y)
Accounts payable
-$1,665K
(-110.44%↓ Y/Y)
Cash flows provided
by (used in)...
-$141,936K
(-279.38%↓ Y/Y)
Canceled cashflow
$1,513,575K
Cash flows provided
by (used in)...
-$86,669K
(-119.26%↓ Y/Y)
Canceled cashflow
$52,037K
Purchases of loans held for
investment
$1,409,930K
(-40.46%↓ Y/Y)
Purchase of marketable
securities
$235,641K
(0.68%↑ Y/Y)
Purchase of property,
equipment and software
$9,939K
(173.73%↑ Y/Y)
Capitalization of internal-use
software
$1K
(-99.98%↓ Y/Y)
Repurchases of common stock
$136,334K
Taxes paid related to
net share...
$1,467K
(-99.55%↓ Y/Y)
Payment of debt issuance
costs
$905K
(-20.19%↓ Y/Y)
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Chime Financial, Inc. (CHYM)
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Chime Financial, Inc. (CHYM)