Filing Flows › Chime Financial (CHYM) › Q3 2025
Chime Financial (CHYM) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 10, 2025
Chime Financial (CHYM) reported revenue of $544M for the third quarter 2025 (Q3 2025), +29% from a year earlier and +3% from the quarter before. Operating margin was -11.9%, net loss $54.7M (10.1% of revenue).
Chime Financial, Q3 2025: revenue $544M (+29% year over year), operating margin -11.9%, net loss $54.7M, operating cash flow $17.5M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $544M | +3% | +29% |
| Operating profit | −$64.7M | — | — |
| Net earnings | −$54.7M | — | — |
| Operating cash flow | $17.5M | -39% | — |
| Free cash flow | $15.4M | -42% | — |
What changed
Revenue was $543.5M in Q3 2025, up 29% year over year and up 3% from the previous quarter. Payments revenue was the largest line at 67% of revenue. Platform-Related Revenue added $70.7M year over year (up 65%), 58% of the total change.
Gross margin was 87.2%, down 0.1 points from a year earlier. Operating costs exceeded revenue by $64.7M, an operating margin of -11.9%. Operating expenses grew 35% against revenue growth of 29%. The fastest-growing cost line was General & admin (+64%). The quarter ended with a net loss of $54.7M, narrower than the previous quarter's $923.4M loss.
Operating cash flow was $17.5M. Non-cash charges added back $7.5M of depreciation and amortization and $84.8M of share-based compensation. Working capital and other items used $20.1M. Capital expenditures of $2.1M left free cash flow of $15.4M.
Questions
What was Chime Financial's revenue in the third quarter 2025?
Chime Financial (CHYM) reported revenue of $544M for the third quarter 2025 (Q3 2025), +29% from a year earlier and +3% from the quarter before.
Was Chime Financial profitable in the third quarter 2025?
Operating loss was $64.7M (-11.9% of revenue) and net loss $54.7M.
Source: Chime Financial 10-Q on SEC EDGAR.