Filing Flows › Chime Financial (CHYM) › Q2 2025
Chime Financial (CHYM) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
Chime Financial (CHYM) reported revenue of $528M for the second quarter 2025 (Q2 2025), +37% from a year earlier and +2% from the quarter before. Operating margin was -176.2%, net loss $923M (174.8% of revenue).
Chime Financial, Q2 2025: revenue $528M (+38% year over year), operating margin -176.2%, net loss $923M, operating cash flow $28.5M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $528M | +2% | +37% |
| Operating profit | −$931M | — | — |
| Net earnings | −$923M | — | — |
| Operating cash flow | $28.5M | — | — |
| Free cash flow | $26.5M | — | — |
What changed
Revenue was $528.1M in Q2 2025, up 37% year over year and up 2% from the previous quarter. Payments revenue was the largest line at 69% of revenue. Platform-Related Revenue added $85.8M year over year (up 113%), 60% of the total change.
Gross margin was 87.3%, up 0.4 points from a year earlier. Operating costs exceeded revenue by $930.6M, an operating margin of -176.2%. Operating expenses grew 306% against revenue growth of 37%. The fastest-growing cost line was Research & development (+725%). The quarter ended with a net loss of $923.4M, after a profit of $12.9M the previous quarter.
Operating cash flow was $28.5M. Non-cash charges added back $7.4M of depreciation and amortization and $910.1M of share-based compensation. Working capital and other items added $34.3M. Capital expenditures of $2.0M left free cash flow of $26.5M.
Questions
What was Chime Financial's revenue in the second quarter 2025?
Chime Financial (CHYM) reported revenue of $528M for the second quarter 2025 (Q2 2025), +37% from a year earlier and +2% from the quarter before.
Was Chime Financial profitable in the second quarter 2025?
Operating loss was $931M (-176.2% of revenue) and net loss $923M.
Source: Chime Financial 10-Q on SEC EDGAR.