Chime Financial annual free cash flow
2022
2023
2024
2025
Chime Financial Free Cash Flow (FCF) History (CHYM)
Chime Financial reported $32.9M in free cash flow for fiscal 2025, a decrease of 44.56% from the previous fiscal year, with a free cash flow margin of 1.50%.
View full Chime Financial company overviewChime Financial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $32.9M | −$26.4M | −44.56% | +1.50% |
| 2024 | 2024-12-31 | $59.3M | $226.4M | — | +3.55% |
| 2023 | 2023-12-31 | −$167.1M | $340.0M | — | −13.07% |
| 2022 | 2022-12-31 | −$507.0M | — | — | −50.26% |
Chime Financial quarterly free cash flow
Q3.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $197.5M | $171.1M | +646.67% | +29.49% |
| Q1 2026 | 2026-03-31 | $80.9M | $108.2M | — | +12.49% |
| Q4 2025 | 2025-12-31 | $18.4M | — | — | +3.08% |
| Q3 2025 | 2025-09-30 | $15.4M | $43.5M | — | +2.84% |
| Q2 2025 | 2025-06-30 | $26.5M | — | — | +5.01% |
| Q1 2025 | 2025-03-31 | −$27.3M | — | — | −5.27% |
| Q3 2024 | 2024-09-30 | −$28.0M | — | — | −6.64% |
Chime Financial free cash flow growth trends
Chime Financial's latest reported quarter, Q2 2026, generated $197.5M in free cash flow, an increase of 646.67% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Chime Financial source filings ↗Community posts
Chime agrees to acquire Stride Bank’s parent for $590 million
Chime ($CHYM) signed an agreement to acquire Central Service Corporation, the parent of Stride Bank, for $590 million, subject to contractual price adjustments. Both boards unanimously approved the transaction. The acquisition has not close ...