Filing Flows › Chime Financial (CHYM) › Q4 2025
Chime Financial (CHYM) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 6, 2026
Chime Financial (CHYM) reported revenue of $596M for the fourth quarter 2025 (Q4 2025), +25% from a year earlier and +10% from the quarter before. Operating margin was -9.0%, net loss $44.8M (7.5% of revenue).
Chime Financial, Q4 2025: revenue $596M (+26% year over year), operating margin -9.0%, net loss $44.8M, operating cash flow $32.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $596M | +10% | +25% |
| Operating profit | −$53.8M | — | — |
| Net earnings | −$44.8M | — | — |
| Operating cash flow | $32.6M | +86% | +79% |
| Free cash flow | $18.4M | +19% | — |
What changed
Revenue was $596.4M in Q4 2025, up 25% year over year and up 10% from the previous quarter. Payments revenue was the largest line at 66% of revenue.
Gross margin was 88.9%, up 0.7 points from a year earlier. Operating costs exceeded revenue by $53.8M, an operating margin of -9.0%. Operating expenses grew 31% against revenue growth of 25%. The fastest-growing cost line was General & admin (+119%). The quarter ended with a net loss of $44.8M, narrower than the previous quarter's $54.7M loss. Non-operating items added $9.0M, -20% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $32.6M (up 79% year over year). Non-cash charges added back $7.8M of depreciation and amortization and $67.3M of share-based compensation. Working capital and other items added $2.2M. Capital expenditures of $14.2M left free cash flow of $18.4M.
Questions
What was Chime Financial's revenue in the fourth quarter 2025?
Chime Financial (CHYM) reported revenue of $596M for the fourth quarter 2025 (Q4 2025), +25% from a year earlier and +10% from the quarter before.
Was Chime Financial profitable in the fourth quarter 2025?
Operating loss was $53.8M (-9.0% of revenue) and net loss $44.8M.
Source: Chime Financial 10-K on SEC EDGAR.