Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Revenue | $1.28B | $1.67B | $2.19B |
| Revenue growth | — | 30.9% | 30.7% |
| Gross profit | $1.06B | $1.47B | $1.92B |
| Gross margin | 82.8% | 87.6% | 88.0% |
| Operating income | -$236M | -$62.2M | -$1.04B |
| Operating margin | -18.4% | -3.7% | -47.6% |
| Net income | -$203M | -$25.3M | -$1.01B |
| Net margin | -15.9% | -1.5% | -46.2% |
| EPS (diluted) | -$3.22 | -$0.39 | -$4.27 |
| Fiscal year | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Operating cash flow | -$157M | $64.1M | $52.8M |
| Capital expenditures | $10.5M | $4.81M | $19.9M |
| Free cash flow | -$167M | $59.3M | $32.9M |
| Share buybacks | $61.0K | $950K | $77.5M |
| Fiscal year | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Cash & equivalents | $240M | $338M | $466M |
| Total assets | — | $1.46B | $1.96B |
| Total liabilities | — | $502M | $563M |
| Shareholders' equity | -$1.95B | -$1.93B | $1.40B |
| Retained earnings | — | -$2.36B | -$3.37B |
| Shares (wtd avg diluted) | 63.1M | 64.9M | 236M |
Every figure is extracted from Chime Financial, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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