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# Chipper Cash Achieves First Positive Free Cash Flow Quarter in Q4 2025 After Years of Restructuring
- URL: https://www.theglobalbanker.com/chipper-cash-first-positive-free-cash-flow-q4-2025-restructuring-nigeria/
- Published: 2026-01-20T11:16:00.000Z
- Updated: 2026-10-02T14:32:16.000Z
- Description: Chipper Cash generated positive free cash flow in Q4 2025 for the first time in its history, which CEO Ham Serunjogi credited to restructuring decisions taken after years of naira-driven pressure.
- Author: TGB Editorial Team
- Tags: Fintech, Africa, #archive

Chipper Cash, the Africa-focused cross-border payments platform, recorded its first-ever quarter of positive free cash flow in the fourth quarter of 2025, the company announced in January 2026\. Chief Executive Ham Serunjogi credited the result to the team's dedication and to difficult decisions, including team restructurings over the previous two years, taken after several years of financial pressure driven in part by currency volatility in key African markets, most notably Nigeria.

The Nigerian naira lost more than 70 per cent of its value against the US dollar between 2022 and 2025\.