Chime Financial, Inc. (CHYM) FY2026 Q2 Statement of Cash Flows

Income StatementCash FlowBalance Sheet

Statement of Cash Flows

2026-04-01 to 2026-06-30

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Chime Financial, Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026One connected Sankey reconciles operating, investing and financing net cash flows through a shared cash pool, from beginning cash to ending cash. Ribbons flow left to right on one dollar scale. Activity totals are dark gray; beginning and ending cash are blue. Cash basis for beginning and ending balances and net cash change: Cash, cash equivalents, and restricted cash. Intermediate calculation bars are lighter gray. Calculated remaining financing cash flows are purple; remaining operating and investing bundles are gray. Their underlying inflows and outflows are not separately identified. Net income is green for profit and red for loss. Identified asset purchases, sales and maturities are blue in either cash direction. Purple identifies capital transactions such as borrowing, repayments, share issuance and dividends. Free cash flow is a separate comparison, not an added cash flow. Read chart description and values below for full signed amounts, including zero items.Net income (loss) → Net cash from operating activities: $27,850,000.00Stock-based compensation → Operating adjustments reconciliation: $69,400,000.00Settlements of the product obligation → Operating adjustments reconciliation: $38,918,000.00Product collateral → Operating adjustments reconciliation: $26,654,000.00Remaining operating cash flows, net (calculated) → Operating adjustments reconciliation: $22,893,000.00Prepaid expenses and other assets → Operating adjustments reconciliation: $15,859,000.00Provision for credit losses → Operating adjustments reconciliation: $14,828,000.00Depreciation and amortization → Operating adjustments reconciliation: $7,557,000.00Accounts receivable, net → Operating adjustments reconciliation: $6,509,000.00Other → Operating adjustments reconciliation: $2,232,000.00Non-cash lease expense → Operating adjustments reconciliation: $2,214,000.00Accrued and other liabilities → Operating adjustments reconciliation: $1,785,000.00Amortization of premium on marketable securities → Operating adjustments reconciliation: $33,000.00Operating adjustments reconciliation → Net cash from operating activities: $179,627,000.00Operating adjustments reconciliation → Change in fair value of product obligation: $25,735,000.00Operating adjustments reconciliation → Operating lease liabilities: $1,855,000.00Operating adjustments reconciliation → Accounts payable: $1,665,000.00Repayments of loans held for investment → investing reconciliation: $1,403,575,000.00Proceeds from maturities of marketable securities → investing reconciliation: $110,000,000.00investing reconciliation → Purchases of loans held for investment: $1,409,930,000.00investing reconciliation → Purchase of marketable securities: $235,641,000.00investing reconciliation → Purchase of property, equipment and software: $9,939,000.00investing reconciliation → Capitalization of internal-use software: $1,000.00Net cash used in financing activities → financing reconciliation: $86,669,000.00Proceeds from borrowings under the warehouse facility → financing reconciliation: $50,000,000.00Proceeds from exercise of stock options → financing reconciliation: $2,037,000.00financing reconciliation → Repurchases of common stock: $136,334,000.00financing reconciliation → Taxes paid related to net share settlement of restricted stock units: $1,467,000.00financing reconciliation → Payment of debt issuance costs: $905,000.00Net cash used in investing activities → investing reconciliation: $141,936,000.00Beginning cash: Cash, cash equivalents, and restricted cash → Cash sources and uses: $622,187,000.00Net cash from operating activities → Cash sources and uses: $207,477,000.00Cash sources and uses → Ending cash: Cash, cash equivalents, and restricted cash: $601,059,000.00Cash sources and uses → Net cash used in investing activities: $141,936,000.00Cash sources and uses → Net cash used in financing activities: $86,669,000.00Net income (loss): $27,850,000.00Net income (loss)+$27.85 MDepreciation and amortization: $7,557,000.00Depreciation & amortization+$7.56 MNon-cash lease expense: $2,214,000.00Non-cash lease expense+$2.21 MStock-based compensation: $69,400,000.00Stock-based compensation+$69.40 MChange in fair value of product obligation: -$25,735,000.00Product obligation fair value−$25.74 MProvision for credit losses: $14,828,000.00Credit loss provision+$14.83 MAmortization of premium on marketable securities: $33,000.00Discount & premium amortization+$33.00 KOther: $2,232,000.00Other operating, net+$2.23 MProduct collateral: $26,654,000.00Product collateral+$26.65 MAccounts receivable, net: $6,509,000.00Accounts receivable+$6.51 MPrepaid expenses and other assets: $15,859,000.00Prepaid & other assets+$15.86 MAccounts payable: -$1,665,000.00Accounts payable−$1.67 MAccrued and other liabilities: $1,785,000.00Accrued & other liabilities+$1.79 MOperating lease liabilities: -$1,855,000.00Operating lease liabilities−$1.86 MSettlements of the product obligation: $38,918,000.00Derivative liabilities, net+$38.92 MRemaining operating cash flows, net (calculated): $22,893,000.00Remaining operating (calculated)+$22.89 MNet cash from operating activities: $207,477,000.00Operating cash+$207.48 MOperating adjustments reconciliation: $208,882,000.00Payment of debt issuance costs: -$905,000.00Debt issuance costs−$905.00 KProceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid: $0.00Taxes paid related to net share settlement of restricted stock units: -$1,467,000.00Stock-award tax withholding−$1.47 MProceeds from borrowings under the warehouse facility: $50,000,000.00Long-term credit line borrowings+$50.00 MProceeds from exercise of stock options: $2,037,000.00Stock option exercises+$2.04 MRepurchases of common stock: -$136,334,000.00Common stock repurchases−$136.33 MNet cash used in financing activities: -$86,669,000.00. Cash required to fund net payments.Financing cash−$86.67 Mfinancing reconciliation: $138,706,000.00Purchase of marketable securities: -$235,641,000.00AFS securities purchases−$235.64 MProceeds from sales of marketable securities: $0.00Proceeds from maturities of marketable securities: $110,000,000.00Marketable securities proceeds+$110.00 MPurchases of loans held for investment: -$1,409,930,000.00Finance receivable purchases−$1.41 BRepayments of loans held for investment: $1,403,575,000.00Finance receivable sales+$1.40 BPurchase of property, equipment and software: -$9,939,000.00Capital expenditures−$9.94 MCapitalization of internal-use software: -$1,000.00Internal-use software costs−$1.00 KNet cash used in investing activities: -$141,936,000.00. Cash required to fund net payments.Investing cash−$141.94 Minvesting reconciliation: $1,655,511,000.00Cash sources and uses: $829,664,000.00Beginning cash: Cash, cash equivalents, and restricted cash: $622,187,000.00Beginning cash$622.19 MEnding cash: Cash, cash equivalents, and restricted cash: $601,059,000.00Ending cash$601.06 MCASH RECONCILIATIONOperatingflowsInvestingflowsFinancingflowsFree cash flow$197.54 MOperating cash − cash spent on productive assetsCash flow / Net income7.45×Operating cash flow ÷ net incomeNet cash change−$21.13 MEnding cash − beginning cash
Chart details

Chime Financial, Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026

Cash flows for Apr 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Mar 31, 2026. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

Beginning cash on Mar 31, 2026
622,187,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
Operating activities
207,477,000 US dollars. Net cash provided. The remaining amount is calculated by subtracting the other displayed items from the operating total. This quarter is the year to date less the prior quarter's year to date. The prior quarter reported part of this section under different lines (Provision for transaction dispute losses), so Provision for transaction dispute losses and Stock-based charitable contribution cannot be separated for this quarter. It may combine inflows and outflows.
Net income (loss)
27,850,000 US dollars
Depreciation and amortization
7,557,000 US dollars
Non-cash lease expense
2,214,000 US dollars
Stock-based compensation
69,400,000 US dollars
Change in fair value of product obligation
negative 25,735,000 US dollars
Provision for credit losses
14,828,000 US dollars
Amortization of premium on marketable securities
33,000 US dollars
Other
2,232,000 US dollars
Product collateral
26,654,000 US dollars
Accounts receivable, net
6,509,000 US dollars
Prepaid expenses and other assets
15,859,000 US dollars
Accounts payable
negative 1,665,000 US dollars
Accrued and other liabilities
1,785,000 US dollars
Operating lease liabilities
negative 1,855,000 US dollars
Settlements of the product obligation
38,918,000 US dollars
Remaining operating cash flows, net (calculated)
22,893,000 US dollars
Investing activities
negative 141,936,000 US dollars. Net cash used.
Purchase of marketable securities
negative 235,641,000 US dollars
Proceeds from sales of marketable securities
0 US dollars
Proceeds from maturities of marketable securities
110,000,000 US dollars
Purchases of loans held for investment
negative 1,409,930,000 US dollars
Repayments of loans held for investment
1,403,575,000 US dollars
Purchase of property, equipment and software
negative 9,939,000 US dollars
Capitalization of internal-use software
negative 1,000 US dollars
Financing activities
negative 86,669,000 US dollars. Net cash used.
Payment of debt issuance costs
negative 905,000 US dollars
Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid
0 US dollars
Taxes paid related to net share settlement of restricted stock units
negative 1,467,000 US dollars
Proceeds from borrowings under the warehouse facility
50,000,000 US dollars
Proceeds from exercise of stock options
2,037,000 US dollars
Repurchases of common stock
negative 136,334,000 US dollars
Operating adjustment reconciliation
208,882,000 US dollars. Intermediate calculation joining the displayed items and the calculated net remainder. It does not establish gross cash receipts or payments and is not an additional cash flow.
financing gross reconciliation
138,706,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
investing gross reconciliation
1,655,511,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
Exchange-rate effect
0 US dollars
Ending cash on Jun 30, 2026
601,059,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
Cash sources and uses
829,664,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
Net cash change
negative 21,128,000 US dollars. Ending cash minus beginning cash.
Cash flow / Net income
7.45×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
Operating cash flow
207,477,000 US dollars. Operating cash flow used in the free cash flow calculation.
cash spent on productive assets
9,939,000 US dollars. These cash purchases are already included in investing activities above.
Free cash flow
197,538,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.

Chart connections

  • Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
  • Financing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Investing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Operating reconciliation adjustments are not all independent cash receipts.
  • Net income enters operating cash directly in the reconciliation. The adjustment junction contributes the remaining $179.63M after reconciling the other positive and negative adjustments. These connections depict an accounting reconciliation, not traced cash receipts.
  • Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
  • The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
  • Operating cash flow minus cash spent on productive assets equals free cash flow: 207,477,000 US dollars minus 9,939,000 US dollars equals 197,538,000 US dollars.
Chime Financial, Inc. (CHYM) FY2026 Q2 Statement of Cash Flows Sankey chart
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