Chime Financial (CHYM) Research & Development (2024 - 2026)
Chime Financial's (CHYM) quarterly Research & Development came in at $164.2 million in Q2 2026, down 73.6% on a YoY basis from $621.8 million in Q2 2025, and down 0.77% quarter-over-quarter from $165.4 million in Q1 2026.
Analysis
Chime Financial (CHYM) Research & Development (2024 - 2026) Analysis & Trends
Chime Financial (CHYM) has reported Research & Development for 3 consecutive years, with $164.2 million the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Research & Development fell 73.6% year-over-year to $164.2 million; the trailing twelve-month figure through Jun 2026 stood at $594.5 million (down 42.78% YoY), and the FY2025 full-year result was $934.9 million, up 79.88% from the prior year.
- Research & Development slipped to $164.2 million in Q2 2026 per CHYM's latest filing, from $165.4 million in the prior quarter.
- Across five years, Research & Development topped out at $621.8 million in Q2 2025 and bottomed at $111.3 million in Q4 2025.
- Historically, Research & Development has averaged $194.6 million across 3 years, with a median of $143.1 million in 2024.
- The sharpest annual moves came in 2025 and 2026: Research & Development surged 426.82% in 2025, then slumped 73.6% in 2026.
- Over 3 years, Research & Development stood at $141.6 million in 2024, then fell by 21.35% to $111.3 million in 2025, then soared by 47.43% to $164.2 million in 2026.
- According to Business Quant data, Research & Development over the past three periods registered $164.2 million, $165.4 million, and $111.3 million for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | R&D (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 164.16 Mn |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 49.83 Mn |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | - |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 41.12 Mn |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 36.95 Mn |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | 31.40 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 164.16 Mn |
| Mar 31, 2026 | 165.43 Mn |
| Dec 31, 2025 | 111.35 Mn |
| Sep 30, 2025 | 153.61 Mn |
| Jun 30, 2025 | 621.75 Mn |
| Mar 31, 2025 | 132.57 Mn |
| Dec 31, 2024 | 141.57 Mn |
| Sep 30, 2024 | 143.12 Mn |
| Jun 30, 2024 | 118.02 Mn |