Chime Financial, Inc. (CHYM)
Chime Financial, Inc. (CHYM)
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Stock-based charitable contribution | NaN | 0 | 11,168 |
| Net income | 1,018,615 | -54,722 | -910,437 |
| Depreciation and amortization | -14,518 | 7,514 | 14,669 |
| Non-cash lease expense | -2,638 | 1,931 | 3,058 |
| Stock-based compensation | -942,946 | 84,755 | 918,843 |
| Provision for transaction dispute losses | -25,721 | 17,003 | 31,045 |
| Change in fair value of product obligation | -68,122 | -2,004 | 43,579 |
| Provision for credit losses | -47,732 | 18,170 | 44,096 |
| Impairment related to real estate assets and internal-use software | NaN | 0 | 0 |
| Amortization of premium on marketable securities | 3,848 | -1,645 | -2,365 |
| Other | 517 | 240 | 208 |
| Product collateral | -66,959 | 15,972 | 31,260 |
| Accounts receivable, net | 15,057 | 8,280 | 14,342 |
| Prepaid expenses and other assets | -27,753 | 6,349 | 1,432 |
| Accounts payable | -4,940 | -11,774 | 15,954 |
| Accrued and other liabilities | 50,565 | -4,673 | -93,291 |
| Purchase of property, equipment and software | NaN | 2,057 | 3,631 |
| Operating lease liabilities | 9,881 | -4,037 | -7,773 |
| Capitalization of internal-use software | NaN | 1,657 | 6,389 |
| Settlements of the product obligation | 21,956 | -2,673 | -18,977 |
| Acquisition of business, net of cash acquired | NaN | 0 | 0 |
| Cash flows (used in) provided by operating activities | 67,252 | 17,484 | 2,743 |
| Purchase of marketable securities | -665,283 | 431,233 | 234,050 |
| Proceeds from sales of marketable securities | NaN | 0 | 256,514 |
| Proceeds from maturities of marketable securities | 35,100 | 24,000 | 123,200 |
| Purchases of loans held for investment | -2,320,472 | 1,248,754 | 2,368,152 |
| Repayments of loans held for investment | -2,298,835 | 1,236,092 | 2,311,634 |
| Purchase of property, equipment and software | 6,621 | NaN | NaN |
| Capitalization of internal-use software | 831 | NaN | NaN |
| Cash flows provided by investing activities | 471,788 | -423,609 | 79,126 |
| Payment of debt issuance costs related to credit facilities | -1,134 | 0 | 1,134 |
| Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid | NaN | -1,317 | 772,556 |
| Taxes paid related to net share settlement of restricted stock units | -346,532 | 25,453 | 322,619 |
| Proceeds from exercise of stock options | 2,998 | 9,798 | 1,127 |
| Repurchases of common stock | 85,740 | 0 | 0 |
| Cash flows used in financing activities | -506,315 | -16,972 | 449,930 |
| Net increase in cash and cash equivalents and restricted cash | 32,725 | -423,097 | 531,799 |
| Cash, cash equivalents, and restricted cash, beginning of period | 480,760 | NaN | NaN |
| Cash, cash equivalents, and restricted cash, end of period | 622,187 | NaN | NaN |