Chime Financial (CHYM) Retained Earnings (2024 - 2026)
Chime Financial's (CHYM) quarterly Retained Earnings came in at $4.7 billion in Q2 2026, little changed on a YoY basis from $4.7 billion in Q2 2025, and down 1.36% quarter-over-quarter from $4.8 billion in Q1 2026.
Analysis
Chime Financial (CHYM) Retained Earnings (2024 - 2026) Analysis & Trends
Chime Financial (CHYM) has reported Retained Earnings for 3 consecutive years, with $4.7 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Retained Earnings changed 0.1% year-over-year to $4.7 billion; the trailing twelve-month figure through Jun 2026 stood at $4.7 billion (changed 0.1% YoY), and the FY2025 full-year result was $4.8 billion, up 302.0% from the prior year.
- Retained Earnings slipped to $4.7 billion in Q2 2026 per CHYM's latest filing, from $4.8 billion in the prior quarter.
- Across five years, Retained Earnings topped out at $4.8 billion in Q4 2025 and bottomed at -$2.4 billion in Q4 2024.
- Historically, Retained Earnings has averaged $3.6 billion across 3 years, with a median of $4.7 billion in 2025.
- The sharpest annual moves came in 2025 and 2026: Retained Earnings surged 302.0% in 2025, then decreased 0.1% in 2026.
- Over 3 years, Retained Earnings stood at -$2.4 billion in 2024, then soared by 302.0% to $4.8 billion in 2025, then declined by 1.62% to $4.7 billion in 2026.
- According to Business Quant data, Retained Earnings over the past three periods registered $4.7 billion, $4.8 billion, and $4.8 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 4.70 Bn |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 3.71 Bn |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 350.68 Mn |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 1.20 Bn |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 1.58 Bn |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | 905.29 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 4.70 Bn |
| Mar 31, 2026 | 4.76 Bn |
| Dec 31, 2025 | 4.78 Bn |
| Sep 30, 2025 | 4.77 Bn |
| Jun 30, 2025 | 4.70 Bn |
| Dec 31, 2024 | -2.36 Bn |