For the quarter ending 2025-09-30, CHYM had -$423,097K decrease in cash & cash equivalents over the period. $15,427K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | -54,722 | -910,437 |
| Depreciation and amortization | 7,514 | 14,669 |
| Non-cash lease expense | 1,931 | 3,058 |
| Stock-based compensation | 84,755 | 918,843 |
| Stock-based charitable contribution | 0 | 11,168 |
| Provision for transaction dispute losses | 17,003 | 31,045 |
| Change in fair value of product obligation | -2,004 | 43,579 |
| Provision for credit losses | 18,170 | 44,096 |
| Impairment related to real estate assets and internal-use software | 0 | 0 |
| Amortization of premium on marketable securities | -1,645 | -2,365 |
| Other | 240 | 208 |
| Product collateral | 15,972 | 31,260 |
| Accounts receivable, net | 8,280 | 14,342 |
| Prepaid expenses and other assets | 6,349 | 1,432 |
| Accounts payable | -11,774 | 15,954 |
| Accrued and other liabilities | -4,673 | -93,291 |
| Operating lease liabilities | -4,037 | -7,773 |
| Settlements of the product obligation | -2,673 | -18,977 |
| Cash flows provided by operating activities | 17,484 | 2,743 |
| Purchase of marketable securities | 431,233 | 234,050 |
| Proceeds from sales of marketable securities | 0 | 256,514 |
| Proceeds from sales of marketable securities | 24,000 | 123,200 |
| Purchases of loans held for investment | 1,248,754 | 2,368,152 |
| Repayments of loans held for investment | 1,236,092 | 2,311,634 |
| Purchase of property, equipment and software | 2,057 | 3,631 |
| Capitalization of internal-use software | 1,657 | 6,389 |
| Acquisition of business, net of cash acquired | 0 | 0 |
| Cash flows used in investing activities | -423,609 | 79,126 |
| Payment of debt issuance costs related to the credit facility | 0 | 1,134 |
| Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid | -1,317 | 772,556 |
| Taxes paid related to net share settlement of restricted stock units | 25,453 | 322,619 |
| Proceeds from exercise of stock options | 9,798 | 1,127 |
| Repurchases of common stock | 0 | 0 |
| Cash flows provided by (used in) financing activities | -16,972 | 449,930 |
| Net increase in cash and cash equivalents and restricted cash | -423,097 | 531,799 |
Chime Financial, Inc. (CHYM)
Chime Financial, Inc. (CHYM)