Chime Financial, Inc. is classed by the SEC under Finance Services (industry code 6199), based in San Francisco, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $2.2 billion and a loss of $1.0 billion (its filed statements).
Lending businessFinance ServicesSan Francisco, CAfilings since 20196 of 9 filed, 3 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 6 of 9 metrics filed and 3 estimated: past 5.7 out of ten, present 6.6 out of ten, future 6.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.4 out of ten. No warning events in its filings since 2019. 84th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 6.1 out of ten. +30.8% a year over 3 filed years; profitable in 0 of 3. 61st percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 1.7 out of ten. CrossAssetData estimate 1.7/10, confidence 35 of 100 (one part). 17th percentile among 115 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 5.3 out of ten. ROE -72%: lost 72¢ per shareholder dollar. Leverage 29%: owes 29¢ per asset dollar. 53rd percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.0 out of ten. top 30% of 114 in its family; net margin -46.2%. 70th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.6 out of ten. CrossAssetData estimate 8.6/10, confidence 35 of 100 (one part). 85th percentile among 93 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 7.8 out of ten. top 22% of 108 in its family for room to expand. 78th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.8 out of ten. top 32% of 100 in its family for growth drivers. 68th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.8 out of ten. CrossAssetData estimate 4.8/10, confidence 20 of 100 (family median). 50th percentile among 79 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 for the period ended 2026-07-31 (on EDGAR). Newest filing: Form 144, 2026-10-09. Filings on record since 2019. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Payments Revenue 69%, Platform Related Revenue 31%. As tagged in its annual report (Form 10-K, filed 2026-03-06).
Who runs it
Britt, Christopher R (Chief Executive Officer); Troughton, Mark T (President and Interim CFO); Newcomb, Matthew S (Chief Financial Officer); Asmerom, Amine (Chief Accounting Officer); Frankel, Adam B (General Counsel); King, Ryan A (Co-Founder); Feuille, James (director); Carolan, Shawn T (director); Marshall, Cynthia (director); Decker, Susan L (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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