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Chime Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$121M in Q3 2026 · $418M over twelve months

Operating cash flow$126M
Capital spending−$4.7M
Free cash flow+$121M
Cash / net income2.9×
Cash conversion cycle-3 days

Analysis

In Q3 2026, Chime Financial generated $126M of operating cash flow and spent $4.7M on capital projects, leaving free cash flow of $121M. That is $106M more than in Q3 2025 ($15.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $454M; the largest uses were buybacks ($300M), capital spending ($35.5M), taxes on employees’ shares ($7.0M); besides operations, cash came from other financing ($107M), shares issued ($43.9M); the cash balance rose by $297M.

Operating cash flow was $126M against net income of $43.7M — 2.9× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$74.2M, receivables −$32.6M, accrued liabilities +$9.2M.

Its cash conversion cycle was -3 days (receivables 39 + inventory 0 − payables 42): suppliers fund its working capital.

Free cash flow

Chime Financial: free cash flow by quarterChime Financial: free cash flow by quarter$18.2MQ4 2024−$27.3MQ1 2025$26.5MQ2 2025$15.4MQ3 2025$18.4MQ4 2025$80.9MQ1 2026$198MQ2 2026$121MQ3 2026
Operating cash flow less capital spending.
Chime Financial: operating cash flow against capital spendingChime Financial: operating cash flow against capital spendingOperating cash flowCapital spending$18.2M$0Q4 2024−$25.8M$1.6MQ1 2025$28.5M$2.0MQ2 2025$17.5M$2.1MQ3 2025$32.6M$14.2MQ4 2025$87.5M$6.6MQ1 2026$207M$9.9MQ2 2026$126M$4.7MQ3 2026
Latest (Q3 2026): Operating cash flow $126M, Capital spending $4.7M.

Capital allocation, year by year

Chime Financial: where the cash came from (up) and went (down), by fiscal yearChime Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsBuybacksFY2023: Operating cash flow −$157MFY2023: Shares issued $1.7MFY2023: Capital spending −$10.5MFY2023: Buybacks −$61K$1.7MFY2023FY2024: Operating cash flow $64.1MFY2024: Shares issued $1.4MFY2024: Capital spending −$4.8MFY2024: Acquisitions −$13.3MFY2024: Buybacks −$950K$65.5MFY2024FY2025: Operating cash flow $52.8MFY2025: Shares issued $796MFY2025: Capital spending −$19.9MFY2025: Buybacks −$77.5M$849MFY2025
Over these 3 years operating cash flow totalled −$39.7M; the largest uses were operating cash flow ($157M) and buybacks ($78.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.2B
Debtnone
Net cash$1.2B

Chime Financial funds itself: free cash flow was $418M over the last twelve months, with $1.2B of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Chime Financial: sources (+) and uses (−) of cash, Q3 2026Chime Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$154MOperating cash flow$126MNet borrowing (+) / repaid (−)$50.0MOther investing−$36.9MShares issued$14.4MOther financing$8.3MCapital spending−$4.7MTaxes on employees’ shares−$2.7M
Chime Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Chime Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$454MBuybacks−$300MCash drawn (+) / kept (−)−$297MOther financing$107MShares issued$43.9MCapital spending−$35.5MOther investing$34.0MTaxes on employees’ shares−$7.0M

From profit to cash

Chime Financial: net income to operating cash flow, Q3 2026Chime Financial: net income to operating cash flow, Q3 2026Net income$43.7MDepreciation & amortization$7.9MStock-based pay$74.2MReceivables−$32.6MPayables−$7.0MAccrued liabilities$9.2MDeferred revenue$288KPrepaid and other assets$29KOperating cash flow$126M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202639—42-3
Q2 202640—45-6
Q1 202638—51-13
Q4 202538—55-17
Q3 202540—61-21

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$126M−$4.7M——$50.0M$14.4M−$154M$121M
Q2 2026$207M−$9.9M—−$136M—$2.0M$21.1M$198M
Q1 2026$87.5M−$6.6M—−$85.7M—$13.9M−$141M$80.9M
Q4 2025$32.6M−$14.2M—−$77.5M—$13.6M−$22.1M$18.4M
Q3 2025$17.5M−$2.1M———$8.5M$423M$15.4M
Q2 2025$28.5M−$2.0M———$410K−$551M$26.5M
Q1 2025−$25.8M−$1.6M———$717K$19.2M−$27.3M
Q4 2024$18.2M—−$2.3M——$499K−$69.2M$18.2M

Chime Financial: income statement and cash flow

Chime Financial, Q3 2026: revenue $718M (+32% year over year), operating margin 4.8%. The chart follows the revenue to costs, profit and cash.

Chime Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.