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

- Company: Chime Financial, Inc. (CHYM)
- Period: 2026-04-01 to 2026-06-30
- Filing: Q2 FY2026 10-Q, filed 2026-08-06, accession number 0001795586-26-000048
- Page: https://plicit.ai/financials/chym/fy2026-q2-cash-flow
- Chart image: https://plicit.ai/charts/chym-fy2026-q2-cash-flow-sankey.png

## Chart details

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.