The 2021 WHO guidelines recommend limits for black carbon (BC) due to its role in oxidative stress and inflammation. BC is highly light-absorbing and quickly undergoes coating by secondary organic aerosols (SOA), enhancing their toxicological and optical properties. Using a miniCAST, this study produced BC at six oxidation states. HPLC-DAD-QTOF-MS and LC-MS/MS technologies were employed to characterize the organic coatings on BC and investigate the associated chromophores and metabolomics effects on Hela cells. The chemical compositions of SOA organics resembled those in ambient air. Interestingly, greater BC maturity did not correlate with increased light absorption. Intermediate maturity showed the strongest absorption, with common chromophores but higher intensities. Aliphatic and polyaromatic compounds were the primary absorbers, with C21H41O6 and C24H50N2O4 as the strongest chromophores in ESI+ mode, and C16H32O2 and C10H7NO3 in ESI- mode. Metabonomics and pathway analysis revealed down-regulation of 13 metabolites involved in lipid synthesis in cells exposed to different SOA organics. Plasmalogen, triacylglycerol, and cardiolipin pathways were significantly influenced. Plasmalogens emerged as potential therapeutic targets for neurodegenerative and cardiometabolic diseases, and cardiolipin, a crucial mitochondrial phospholipid for cellular energy production, indicating that reduced metabolites due to SOA organics disrupt cellular lipid homeostasis and alter normal cellular functions.