Chime Financial Inc-A 2025年季度报告

FORM10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedJune 30, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission file number001-42693 Chime Financial, Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction ofincorporation or organization) (844)244-6363 Registrant’s telephone number, including area code Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes☐No☒ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growthcompany. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financialaccounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ As of August 6, 2025, the numbers of shares of the issuer’s Class A and Class B common stock outstanding were339,528,738and32,182,289and no shares of Class C TABLE OF CONTENTS Part 1- Financial StatementsItem 1. Financial Statements (unaudited)Condensed Consolidated Balance SheetsCondensed Consolidated Statements of OperationsCondensed Consolidated Statements of Comprehensive Income (Loss)Condensed Consolidated Statements of Redeemable ConvertiblePreferred Stock and Stockholders’Equity (Deficit)Condensed Consolidated Statementsof Cash FlowsNotes to Unaudited Condensed Consolidated Financial StatementsNote 1-Organization and Description of BusinessNote 2 -Basis of Presentation and Summary of Significant Accounting PoliciesNote3-RevenueNote4-Fair Value MeasurementNote5-Marketable SecuritiesNote6-Loans Held For Investment,NetNote7-Credit ObligationsNote8-Property, Equipment, and Software, NetNote9-Significant Balance Sheet ComponentsNote10-IndebtednessNote11-Redeemable Convertible Preferred Stock, Common Stock, and Stockholders’Equity (Deficit)Note12 -Stock-Based CompensationNote13-Net Income(Loss)Per ShareNote14-Related Party TransactionsNote15-Income TaxesNote16-Commitments and ContingenciesNote 17-Subsequent EventsItem 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.Item 3. Quantitative and Qualitative Disclosures About Market Risk.Item 4. Controls and Procedures. Part II - Other InformationItem 1. Legal Proceedings.Item 1A. Risk FactorsItem 2. Unregistered Sales of Equity Securities and Use of ProceedsItem 3. Defaults Upon Senior SecuritiesItem 4. Mine Safety DisclosuresItem 5. Other InformationItem 6. ExhibitsSignatures SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q (this “Quarterly Report”) contains forward-looking statements within the meaning of the federalsecurities laws, which statements involve substantial risks and uncertainties. Forward-looking statements generally relate to future eventsor our future financial or operating performance. In some cases, you can identify forward-looking statements because they contain wordssuch as “may,” “will,” “shall,” “should,” “expect,” “plan,” “anticipate,” “could,” “intend,” “target,” “project,” “contemplate,” “believe,”“estimate,” “predict,” “potential” “goal,” “objective,” “seek,” or “continue,” or the negative of any of these words or other similar terms orexpressions that concern our expectations, strategy, plans or intentions. This Quarterly Report includes, among others, forward-lookingstatements regarding our: •our future financial performance, including our expectations regarding our revenue, cost of revenue and operating expenses, andour ability to achieve and maintain future profitability;•our ability to successfully execute our business and growth strategy;•our ability to attract and retain Active Members and maintain and increase their engagement with our platform and their PurchaseVolume, as we