Chime Financial (CHYM) Operating Expenses (2024 - 2026)
Chime Financial's (CHYM) quarterly Operating Expenses came in at $573.6 million in Q2 2026, down 58.79% on a YoY basis from $1.4 billion in Q2 2025, and up 7.38% quarter-over-quarter from $534.2 million in Q1 2026.
Analysis
Chime Financial (CHYM) Operating Expenses (2024 - 2026) Analysis & Trends
Chime Financial (CHYM) has reported Operating Expenses for 3 consecutive years, with $573.6 million the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Operating Expenses fell 58.79% year-over-year to $573.6 million; the trailing twelve-month figure through Jun 2026 stood at $2.2 billion (down 16.96% YoY), and the FY2025 full-year result was $3.0 billion, up 93.97% from the prior year.
- Operating Expenses rose to $573.6 million in Q2 2026 per CHYM's latest filing, from $534.2 million in the prior quarter.
- Across five years, Operating Expenses topped out at $1.4 billion in Q2 2025 and bottomed at $343.2 million in Q2 2024.
- Historically, Operating Expenses has averaged $584.4 million across 3 years, with a median of $534.2 million in 2026.
- The sharpest annual moves came in 2025 and 2026: Operating Expenses jumped 305.56% in 2025, then plunged 58.79% in 2026.
- Over 3 years, Operating Expenses stood at $446.3 million in 2024, then jumped by 30.85% to $584.0 million in 2025, then fell by 1.79% to $573.6 million in 2026.
- According to Business Quant data, Operating Expenses over the past three periods registered $573.6 million, $534.2 million, and $584.0 million for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Opex (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 573.55 Mn |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 507.25 Mn |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 118.55 Mn |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 100.86 Mn |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 87.16 Mn |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | 81.52 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 573.55 Mn |
| Mar 31, 2026 | 534.15 Mn |
| Dec 31, 2025 | 584.02 Mn |
| Sep 30, 2025 | 538.83 Mn |
| Jun 30, 2025 | 1.39 Bn |
| Mar 31, 2025 | 449.19 Mn |
| Dec 31, 2024 | 446.31 Mn |
| Sep 30, 2024 | 399.00 Mn |
| Jun 30, 2024 | 343.15 Mn |