Chime Financial, Inc.

For the period ended Jun 30, 2026. Filed Aug 6, 2026.

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, 2026 · Filed Aug 6, 2026

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,
	2026	2025
Operating activities:
Net income (loss)	$81,306	$(910,437)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	15,222	14,669
Non-cash lease expense	4,565	3,058
Stock-based compensation	130,052	918,843
Stock-based charitable contribution	1,495	11,168
Provision for transaction dispute losses	43,725	31,045
Change in fair value of product obligation	(52,282)	43,579
Provision for credit losses	29,362	44,096
Amortization of premium on marketable securities	(129)	(2,365)
Other	3,197	208
Changes in operating assets and liabilities:
Product collateral	46,381	(31,260)
Accounts receivable, net	(31,170)	(14,342)
Prepaid expenses and other assets	35,831	(1,432)
Accounts payable	(2,425)	15,954
Accrued and other liabilities	(45,614)	(93,291)
Operating lease liabilities	(3,784)	(7,773)
Settlements of the product obligation	39,224	(18,977)
Cash flows provided by operating activities	294,956	2,743
Investing activities:
Purchase of marketable securities	(235,641)	(234,050)
Proceeds from sales of marketable securities	—	256,514
Proceeds from maturities of marketable securities	292,300	123,200
Purchases of loans held for investment	(2,706,364)	(2,368,152)
Repayments of loans held for investment	2,652,466	2,311,634
Purchase of property, equipment and software	(16,560)	(3,631)
Capitalization of internal-use software	(832)	(6,389)
Cash flows provided by (used in) investing activities	(14,631)	79,126
Financing activities:
Payment of debt issuance costs	(905)	(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	(3,007)	(322,619)
Proceeds from borrowings under the warehouse facility	50,000	—
Proceeds from exercise of stock options	15,960	1,127
Repurchases of common stock	(222,074)	—
Cash flows provided by (used in) financing activities	(160,026)	449,930
Net increase in cash and cash equivalents and restricted cash	120,299	531,799
Cash, cash equivalents, and restricted cash, beginning of period	480,760	350,000
Cash, cash equivalents, and restricted cash, end of period	$601,059	$881,799
Cash and cash equivalents, end of the period	$536,045	$868,284
Restricted cash, end of the period	65,014	13,515
Cash, cash equivalents, and restricted cash, end of the period	$601,059	$881,799

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

	Six Months EndedJune 30,
	2026	2025
Supplementary cash flow disclosure:
Cash paid for interest	$246	$140
Cash paid for income taxes, net of refunds received	$1,020	$1,043
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

ContentsView on SEC.gov

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