Chime Financial Reports $2.19 Billion Revenue for Fiscal Year 2025 with Increased Net Losses

**Chime Financial Reports Fiscal Year 2025 Results, Demonstrating Revenue Growth Amidst Net Losses**

San Francisco, CA – Chime Financial, Inc., a financial technology company focused on serving everyday Americans, released its fiscal year 2025 results, revealing significant revenue growth alongside substantial net losses. The company reported total revenue of $2.19 billion for the year ended December 31, 2025, a 31% increase compared to $1.67 billion in 2024. This growth was primarily attributed to a rise in Purchase Volume to $133.68 billion and an increase in Active Members to 9.5 million. Average Revenue per Active Member (ARPAM) also saw an increase, reaching $257.

Despite the revenue growth, Chime reported a net loss of $1.01 billion for 2025, a significant increase from the $25.3 million loss in 2024. This increase in net loss was largely due to a $625.4 million increase in technology and development expenses and a $334.9 million increase in general and administrative expenses, driven primarily by stock-based compensation expenses related to the company's initial public offering (IPO). Transaction and risk losses also increased by $187.6 million, reflecting the expansion of liquidity products such as MyPay and Instant Loans.

Operationally, Chime continued to focus on expanding its product offerings and member base. The company highlighted the full launch of MyPay in July 2024 and the introduction of outbound instant transfers in 2025 as key drivers of platform-related revenue, which grew by 73% to $686.2 million. Chime also emphasized its commitment to innovation, citing the development and launch of ChimeCore, its proprietary payment processor and ledger, as a foundation for faster product development. The company's strategic focus includes attracting and acquiring Active Members, increasing adoption of existing products, and expanding its market opportunity through new product development and expansion into the employer channel with Chime Enterprise.

Looking ahead, Chime anticipates continued investment in its business, including technology infrastructure, product development, and sales and marketing activities. The company expects that transaction and risk losses will increase as it scales its liquidity products, and that operating expenses will generally increase in absolute dollars. Chime's board of directors has authorized a share repurchase program of up to $200 million of its Class A common stock, but the company cannot guarantee that the program will be fully consummated or that it will enhance long-term stockholder value. The company's future performance is subject to various risks and uncertainties, including its ability to attract and retain Active Members, maintain relationships with bank partners, and comply with evolving laws and regulations.