# Chime Financial, Inc. (CHYM) · Edgar & Edgarette company card

> Chime Financial (CHYM) grew revenue 30.7% in FY2025 to $2.2 billion, operating margin -47.6% against a -6.4% median for finance services, equity 71.3% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1795586 · fiscal year ended 2025-12-31 · 3 audited years read · [page](https://www.pops4.com/boards/company/CHYM) · [JSON](https://www.pops4.com/boards/company/CHYM.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $2.2B |
| Revenue growth, 1 year | 30.7% |
| Revenue growth per year | 30.8% |
| Operating margin | -47.6% (prior year -3.7%) |
| Net margin | -46.2% |
| Operating cash flow | $53M |
| Capital spending | $20M |
| Free cash flow | $33M |
| Cash | $466M |
| Long-term debt | — |
| Total assets | $2.0B |
| Total equity | $1.4B |
| Equity ÷ assets | 71.3% |
| Return on equity | -72.1% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 5 of 9 (middling)
- Health Harbor boat: Weathered boat · two warning signs · filed restructuring or exit costs in the last 12 months; operating loss: a margin of -47.6% in FY2025
- Cash Compass: Fast, cash not yet · growing fast, but little cash arriving so far

## Edgarette's reading

Exposure: revenue $2.2B (FY2025). Experience: revenue up 30.7% on the year, up 30.8% a year over 2 years; operating margin -47.6%, down from -3.7%. Soundness: equity 71.3% of assets, return on equity -72.1%. Credibility: 3 audited years, moderate weight. Range: 80% of past cases like this landed between $2.3B and $3.4B next year (method v3, set from 4,599 SEC company-years; on a year the method never saw, 83% landed inside). A statistical range, not company guidance. Against peers (36 filers, $50M+ revenue, finance services): operating margin -47.6% against a -6.4% median; growth 30.7% against 16.8%.

Range logged 2026-09-20, receipt 31fbf7c6286d5ce0, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 2.05 Restructuring or exit costs: 1, latest 2026-08-05 ([filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/0001795586-26-000046-index.htm))
- Item 5.02 Director or officer change: 2, latest 2026-08-05 ([filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/0001795586-26-000046-index.htm))

## Recent filings

- 8-K · filed 2026-11-04 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000052/0001795586-26-000052-index.htm)
- 8-K · filed 2026-09-08 · 1.01 Entry into a Material Definitive Agreement; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/0001193125-26-385383-index.htm)
- 10-Q · filed 2026-08-06 · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/0001795586-26-000048-index.htm)
- 8-K · filed 2026-08-05 · 2.02 Results of Operations and Financial Condition; 2.05 Costs Associated with Exit or Disposal Activities; 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/0001795586-26-000046-index.htm)
- 8-K · filed 2026-06-04 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000042/0001795586-26-000042-index.htm)
- 10-Q · filed 2026-05-07 · [filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000038/0001795586-26-000038-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001795586.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1795586

## Cite

POPS4, Edgar & Edgarette: Chime Financial, Inc. (CHYM) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/CHYM. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.