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Chime Financial Inc is a leading U.S.-based fintech founded in 2012 and headquartered at 101 California Street, San Francisco, California 94111 . As a financial technology company (not a bank), Chime offers fee-free checking, high-yield savings, early pay, SpotMe overdraft, Credit Builder, and its recent MyPay earned-wage access product .
In Q2 2025 (ended June 30), Chime reported revenue of $528 million (↑37% YoY), active members up 23% to 8.7 million, and purchase volume of $32.4 billion (↑18%). Platform-related revenue surged 113% driven by MyPay adoption . Despite a reported net loss of $923 million—largely due to $910 million in IPO-related stock-based compensation—Chime achieved a positive adjusted EBITDA of $16 million, demonstrating underlying operational profitability .
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