Chime Financial, Inc. Class A Common Stock (CHYM) Earnings History
Annual and quarterly earnings data from 2022 to 2025
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CHYM EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CHYM Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 85.9% | -47.6% | -46.2% |
| 2024 | 87.6% | -3.7% | -1.5% |
| 2023 | 82.8% | -18.4% | -15.9% |
| 2022 | 78.7% | -47.5% | -46.6% |
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Chime Financial, Inc. Class A Common Stock (CHYM) Earnings Overview
As of May 8, 2026, Chime Financial, Inc. Class A Common Stock (CHYM) reported trailing twelve-month net income of -$969M, reflecting -3721.8% year-over-year growth. The company earned $-2.42 per diluted share over the past four quarters, with a net profit margin of -46.2%.
Looking at the long-term picture, CHYM's historical earnings data spans multiple years. The company achieved its highest annual net income of -$25M in fiscal 2024.
Chime Financial, Inc. Class A Common Stock is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including SOFI ($481M net income, 10.1% margin), DAVE ($225M net income, 38.3% margin), MQ ($2M net income, -2.2% margin), CHYM has room to improve margins relative to the peer group. Compare CHYM vs SOFI →
CHYM Earnings vs Peers
Earnings metrics vs comparable public companies
CHYM Historical Earnings Data (2022–2025)
4 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$1.01B | -3884.9% | -$1.04B | $-2.66 | -46.2% | -47.6% |
| 2024 | -$25M | +87.5% | -$62M | $-0.07 | -1.5% | -3.7% |
| 2023 | -$203M | +56.8% | -$236M | $-0.56 | -15.9% | -18.4% |
| 2022 | -$470M | - | -$479M | $-1.29 | -46.6% | -47.5% |
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Start ComparisonCHYM — Frequently Asked Questions
Quick answers to the most common questions about buying CHYM stock.
Is CHYM growing earnings?
CHYM EPS fell to $-2.42, with earnings declining -3721.8%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-969M.
What are CHYM's profit margins?
Chime Financial, Inc. Class A Common Stock net margin is -46.2%, with operating margin at -47.6%. Below-average margins reflect competitive or cost pressures.
How consistent are CHYM's earnings?
CHYM earnings data spans 2022-2025. The declining earnings trend is -3721.8% YoY. Historical data enables comparison across business cycles.