Chime Financial, Inc. Class A Common Stock

CHYM

CHYMChime Financial, Inc. Class A Common Stock US flag

NASDAQ Global Select

18.60

USD

-0.62

- -

7.09BMarket Cap

Income Statement (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	1,009	1,278	1,673	2,187
+ Sales & Services Revenue	1,009	1,278	1,673	2,187
- Cost of Revenue	215	220	208	263
+ Cost of Goods & Services	215	220	208	263
Gross Profit	794	1,059	1,466	1,924
+ Other Operating Income	- -	- -	- -	- -
- Operating Expenses	1,273	1,295	1,528	2,964
+ Selling, General & Admin	604	599	697	1,147
+ Research & Development	242	259	310	935
+ Other Operating Expense	426	437	521	881
Operating Income (Loss)	-479	-236	-62	-1,040
- Non-Operating (Income) Loss	-8	-33	-39	-31
+ Interest Expense, Net	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-8	-33	-39	-31
Pretax Income	-471	-203	-23	-1,009
- Income Tax Expense (Benefit)	- -	- -	3	1
- (Income) Loss from Affiliates	- -	- -	- -	- -
Income (Loss) from Cont Ops	-470	-203	-25	-1,010
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -
Income (Loss) Incl. MI	-470	-203	-25	-1,010
- Minority Interest	- -	- -	- -	- -
Net Income, GAAP	-470	-203	-25	-1,010
- Preferred Dividends	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-470	-203	-25	-1,010
EBIT	-479	-236	-62	-1,040
EBITDA	-471	-223	-37	-1,010
EBITDA Margin (%)	-46.73	-17.43	-2.2	-46.19
EBITA	-479	-236	-62	-1,040
Gross Margin (%)	78.72	82.81	87.6	87.97
Operating Margin (%)	-47.45	-18.44	-3.72	-47.56
Profit Margin (%)	-46.61	-15.89	-1.51	-46.18
Sales per Employee	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -
Depreciation Expense	7	13	25	30
Basic Weighted Avg Shares	336	336	364	236
Basic EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Basic EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27
Diluted Weighted Avg Shares	336	336	364	236
Diluted EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Diluted EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27

Balance Sheet (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	1,271	1,162	1,287	1,756
+ Cash, Cash Equivalents & STI	938	801	707	1,054
+ Cash & Cash Equivalents	203	240	338	466
+ ST Investments	735	561	369	588
+ Accounts & Notes Receiv	123	177	316	329
+ Accounts Receivable, Net	123	177	216	258
+ Notes Receivable, Net	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	100	72
+ Other Receivable, Net	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -
+ Other ST Assets	210	185	264	372
+ Misc ST Assets	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -
Total Noncurrent Assets	146	158	174	209
+ Property, Plant & Equip, Net	146	157	142	178
+ Property, Plant & Equip	156	179	188	252
- Accumulated Depreciation	9	22	46	74
+ LT Investments & Receivables	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -
+ Other LT Assets	- -	1	32	31
+ Total Intangible Assets	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -
+ Misc LT Assets	- -	1	32	31
Total Assets	1,418	1,320	1,461	1,965
+ Payables & Accruals	90	121	144	131
+ Accounts Payable	21	22	36	39
+ Accrued Taxes	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -
+ Other Payables & Accruals	69	99	108	92
+ ST Debt	6	12	16	11
+ ST Borrowings	- -	- -	- -	- -
+ ST Finance Leases	6	12	16	11
+ Other ST Liabilities	120	155	215	246
+ Deferred Revenue	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Misc ST Liabilities	120	155	215	246
Total Current Liabilities	216	289	375	388
+ LT Debt	95	93	81	123
+ LT Borrowings	- -	- -	- -	- -
+ LT Finance Leases	95	93	81	123
+ Other LT Liabilities	7	2	46	52
+ Accrued Liabilities	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Misc LT Liabilities	7	2	46	52
Total Noncurrent Liabilities	101	95	127	175
Total Liabilities	317	384	502	563
+ Preferred Equity and Hybrid Capital	2,890	2,890	2,890	- -
+ Share Capital & APIC	353	384	433	4,776
+ Common Stock	- -	- -	- -	- -
+ Additional Paid in Capital	353	384	433	4,776
- Treasury Stock	- -	- -	- -	- -
+ Retained Earnings	-2,136	-2,339	-2,364	-3,374
+ Other Equity	-7	1	- -	- -
Equity Before Minority Interest	1,101	937	960	1,402
+ Minority/Non Controlling Interest	- -	- -	- -	- -
Total Equity	1,101	937	960	1,402
Total Liabilities & Equity	1,418	1,320	1,461	1,965
Shares Outstanding	364	364	364	380
Number of Employees	- -	- -	- -	- -
Capital Leases - Total	101	105	96	135
Net Debt	-203	-240	-338	-466
Net Debt to Equity	-18.47	-25.6	-35.19	-33.26
Tangible Common Equity Ratio	-126.19	-147.97	-132.14	71.35
Current Ratio	5.9	4.03	3.43	4.53
Cash Conversion Cycle	- -	7.13	-8.17	-12.14

Cash Flow Statement (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	-470	-203	-25	-1,010
+ Depreciation & Amortization	7	13	25	30
+ Non-Cash Items	188	170	168	1,267
+ Stock-Based Compensation	28	26	30	1,071
+ Deferred Income Taxes	- -	- -	- -	- -
+ Asset Impairment Charge	21	- -	2	- -
+ Other Non-Cash Adj	139	144	137	196
+ Chg in Non-Cash Work Cap	-159	-137	-104	-234
+ (Inc) Dec in Accts Receiv	-29	-53	-40	-43
+ (Inc) Dec in Inventories	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-12	12	-24	-24
+ Inc (Dec) in Accts Payable	-57	-10	47	-75
+ Inc (Dec) in Other	-61	-86	-87	-93
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Operating Activities	-434	-157	64	53
+ Change in Fixed & Intang	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -
+ Acq of Fixed & Intang	-49	-11	-5	-20
+ Acq of Fixed Prod Assets	-49	-11	-5	-20
+ Acq of Intangible Assets	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	- -	-1	693
+ Increase in Capital Stock	- -	- -	- -	771
+ Decrease in Capital Stock	-1	- -	-1	-78
+ Net Change in LT Investment	223	195	204	-214
+ Dec in LT Investment	650	805	701	521
+ Inc in LT Investment	-427	-611	-498	-735
+ Net Cash From Acq & Div	- -	- -	-13	- -
+ Cash from Divestitures	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	-13	- -
+ Cash for JVs	- -	- -	- -	- -
+ Other Investing Activities	-24	-17	-140	-56
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Investing Activities	151	167	46	-290
+ Dividends Paid	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	- -
+ Cash From Debt	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	- -	- -
+ Other Financing Activities	2	1	1	-325
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Financing Activities	1	1	- -	368
Effect of Foreign Exchange Rates	- -	- -	- -	- -
Net Changes in Cash	-283	11	110	131
EBITDA	-471	-223	-37	-1,010
EBITDA Margin (%)	-46.73	-17.43	-2.2	-46.19
Free Cash Flow	-483	-167	59	33
Net Cash Paid for Acquisitions	- -	- -	13	- -
Free Cash Flow to Firm	- -	- -	- -	- -
Free Cash Flow to Equity	- -	-167	59	-2,857
Free Cash Flow per Basic Share	-1.44	-0.5	0.16	0.14
Price/Free Cash Flow	- -	- -	- -	81.84
Cash Flow to Net Income	0.92	0.77	-2.53	-0.05
Capital Expenditures	-49	-11	-5	-20