Chime Financial, Inc.

For the period ended Jun 30, 2025. Filed Aug 11, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Aug 11, 2025

CHYM$32.54+0.0%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Statements of Cash Flows

	Six Months EndedJune 30,
	2025	2024
Operating activities:
Net income (loss)	$(910,437)	$16,288
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	14,669	11,351
Non-cash lease expense	3,058	2,615
Stock-based compensation	918,843	11,594
Stock-based charitable contribution	11,168	—
Provision for transaction dispute losses	31,045	24,125
Change in fair value of product obligation	43,579	31,015
Provision for credit losses	44,096	1,868
Impairment related to real estate assets and internal-use software	—	211
Amortization of premium on marketable securities	(2,365)	(7,884)
Other	208	73
Changes in operating assets and liabilities:
Product collateral	(31,260)	(24,980)
Accounts receivable, net	(14,342)	8,026
Prepaid expenses and other assets	(1,432)	(1,170)
Accounts payable	15,954	836
Accrued and other liabilities	(93,291)	30,510
Operating lease liabilities	(7,773)	(5,306)
Settlements of the product obligation	(18,977)	(28,335)
Cash flows provided by operating activities	2,743	70,837
Investing activities:
Purchase of marketable securities	(234,050)	(289,452)
Proceeds from sales of marketable securities	256,514	16,985
Proceeds from maturities of marketable securities	123,200	306,875
Purchases of loans held for investment	(2,368,152)	(54,732)
Repayments of loans held for investment	2,311,634	30,618
Purchase of property, equipment and software	(3,631)	(134)
Capitalization of internal-use software	(6,389)	(4,298)
Acquisition of business, net of cash acquired	—	(11,036)
Cash flows provided by (used in) investing activities	79,126	(5,174)
Financing activities:
Payment of debt issuance costs related to the credit facility	(1,134)	—
Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid	772,556	—
Taxes paid related to net share settlement of restricted stock units	(322,619)	—
Proceeds from exercise of stock options	1,127	600
Repurchases of common stock	—	(593)
Cash flows provided by financing activities	449,930	7
Net increase in cash and cash equivalents and restricted cash	531,799	65,670
Cash, cash equivalents, and restricted cash, beginning of period	350,000	239,745
Cash, cash equivalents, and restricted cash, end of period	$881,799	$305,415
Cash and cash equivalents, end of the period	$868,284	$295,415
Restricted cash, end of the period	13,515	10,000
Cash, cash equivalents, and restricted cash, end of the period	$881,799	$305,415

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

	Six Months EndedJune 30,
	2025	2024
Supplementary cash flow disclosure:
Cash paid for interest	$140	$233
Cash paid for income taxes	1,071	161
Supplemental disclosures of noncash investing and financing activities:
Deferred offering costs not yet paid	1,968	—
Reclassification of deferred offering costs to additional paid-in capital upon initial public offering	14,815	—
Conversion of redeemable convertible preferred stock to common stock in connection with initial public offering	2,890,121	—
Purchases of property, equipment and software in accounts payable	294	—
Cash consideration, accrued but not yet paid, related to acquisition of business	—	2,300

ContentsView on SEC.gov

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