Chime Financial (CHYM) Company Report

Chime is experiencing significant growth in active members, adding 1.6 million over the last year, driven by an "ungating" strategy that has also improved unit economics, including an 8X LTV to CAC ratio and a 5-6 quarter transaction profit payback for recent cohorts.
The company has transitioned its entire portfolio to Chime Core, its proprietary payment processor, which has reduced processing costs by over 50% and is enabling faster product innovation.
Chime launched the Chime Card, a secured credit card offering 1.5% cash back and a 175 basis points take rate on transaction volume, which is 50% higher than the average portfolio take rate, serving as a new customer acquisition and engagement tool.
Chime Enterprise, a new B2B channel, aims for low-cost customer acquisition through partnerships with large human capital management platforms like Workday and UKG, and direct deals with employers.
AI initiatives in customer support have significantly improved efficiency, cutting agent handle time in half and contributing to an accelerating profit margin story, with 9 points improvement in Q3 and an expected 11 points improvement in Q4 in adjusted EBITDA margin.

1 day ago

Transcript

Chime Discusses Accelerated Member Growth, Chime Core, New Product Launches, and AI-Driven Margin Expansion

CHYM

Product Launch

Revenue Acceleration/Inflection

Guidance Update

Chime has accelerated its new member growth, adding 1.6 million new active members over the last year, compared to 1.2 million in the prior 12 months, driven by its ungating strategy which has also improved unit economics and reduced customer acquisition cost (CAC).
The company has fully transitioned its portfolio to Chime Core, its proprietary payment processor and ledger, which has reduced processing costs by over 50% and enables faster product innovation.
Chime recently launched the Chime Card, a secured credit card offering 1.5% cash back on rotating categories for direct depositors, which earns approximately 175 basis points on transaction volume, representing a 50% higher take rate than the current portfolio average.
Chime's liquidity products, including MyPay and Instant Loans, now account for approximately 20% of revenue and leverage direct deposit relationships for a unique, low-risk profile, with MyPay growing to a $350 million revenue run rate within a year.
The company is leveraging AI, including GenAI chatbots and voice bots, to enhance its customer support function, leading to a 50% reduction in agent handle time for dispute investigations and contributing to an expected 11-point improvement in adjusted EBITDA margin in Q4.

1 day ago

Transcript

Chime (CHYM) Reports Strong Q3 2025 Revenue and Adjusted EBITDA Growth

CHYM

Earnings

Guidance Update

Revenue Acceleration/Inflection

Chime (CHYM) reported Q3 2025 revenue of $544 million, marking a 29% year-over-year increase.
The company achieved $29 million in Adjusted EBITDA for Q3 2025, representing a 5% margin and a 9 percentage point year-over-year improvement.
Active Members grew 21% year-over-year to 9.1 million, and ARPAM increased 6% year-over-year to $245 in Q3 2025. Chime also completed its ChimeCore migration, which is expected to enhance efficiency and innovation.
For Q4 2025, Chime has provided an outlook for mid-50s incremental adjusted EBITDA margin.

Nov 5, 2025, 10:00 PM

Presentation

Chime Reports Strong Q3 2025 Results, Raises Guidance, and Authorizes Share Repurchase

CHYM

Earnings

Guidance Update

Share Buyback

Chime reported strong Q3 2025 results, with 29% year-over-year revenue growth and an adjusted EBITDA margin of 5%, an improvement of 9 percentage points year-over-year, leading the company to raise its Q4 and full-year 2025 guidance.
Active members increased 21% year-over-year to 9.1 million, while the company launched the new Chime Card and completed the migration to its proprietary Chime Core technology, which is expected to boost gross margin to nearly 90% in Q4.
The company announced a $200 million share repurchase authorization, reflecting confidence in its business strength and free cash flow generation.
MyPay's annual run rate is over $350 million with a transaction margin exceeding 45%, driven by loss rates falling below 120 basis points in Q3, and overall cost-to-serve has been reduced by 20% over the last two years.

Nov 5, 2025, 10:00 PM

Transcript

Chime Reports Strong Q3 2025 Results and Raises Full-Year Guidance

CHYM

Earnings

Guidance Update

Share Buyback

Chime reported a 29% year-over-year revenue growth and an adjusted EBITDA margin of 5% in Q3 2025, both exceeding previous guidance.
Active members grew 21% year-over-year to 9.1 million, with average revenue per active member (RPAM) increasing 6% year-over-year to $245 in Q3 2025.
The company raised its Q4 2025 revenue guidance to between $572 million and $582 million and full-year 2025 revenue guidance to between $2.163 billion and $2.173 billion.
Chime launched its new Chime Card offering 1.5% cash back, completed its migration to Chime Core expecting gross margin near 90% in Q4, and authorized a $200 million share repurchase program.

Nov 5, 2025, 10:00 PM

Transcript

Chime Reports Strong Q3 2025 Results, Raises Full-Year Guidance, and Authorizes Share Repurchase

CHYM

Earnings

Guidance Update

Share Buyback

Chime delivered 29% year-over-year revenue growth and an adjusted EBITDA margin of 5% in Q3 2025, exceeding previous guidance.
Active members increased by 21% year-over-year to 9.1 million, with a sequential increase of approximately 400,000 from Q2, while customer acquisition cost (CAC) was reduced by over 10% year-over-year.
The company raised its full-year 2025 guidance, now expecting revenue between $2.163 billion and $2.173 billion and adjusted EBITDA between $113 million and $118 million.
Chime launched the new Chime Card in September, a secured credit card that earns 175 basis points of interchange (net of rewards).
A $200 million share repurchase authorization was announced, and the migration to ChimeCore is ahead of schedule, expected to boost gross margin to nearly 90% in Q4 2025.

Nov 5, 2025, 10:00 PM

Transcript

Chime Reports Q3 2025 Financial Results and Announces Share Repurchase Program

CHYM

Earnings

Guidance Update

Share Buyback

Chime Financial, Inc. reported Q3 2025 revenue of $544 million, a 29% year-over-year increase, with an Adjusted EBITDA of $29 million and a net loss of $55 million.
Active Members grew 21% year-over-year to 9.1 million, and Average Revenue per Active Member (ARPAM) increased 6% year-over-year to $245.
The company raised its Q4 and full-year 2025 guidance for revenue and Adjusted EBITDA, and authorized a $200 million share repurchase program. For Q4 2025, revenue is projected between $572 million and $582 million, and Adjusted EBITDA between $43 million and $48 million.

Nov 5, 2025, 9:10 PM

8-K

Chime Financial Discusses Strategic Initiatives and Product Updates at Conference

CHYM

Product Launch

New Projects/Investments

Revenue Acceleration/Inflection

Chime, a consumer fintech company, reported its average revenue per active member (ARPAM) grew 12% year-over-year to approximately $245, with payback on customer acquisition costs (CAC) improving to five to six quarters.
The company launched the new Chime Card yesterday, offering 1.5% cashback for direct deposit customers, and its MyPay earned wage access product has a 30% attach rate and is a $300 million revenue run rate business with a loss rate that improved to 1.4% last quarter.
Chime is ahead of schedule on its Chime Core conversion, expected to be completed by year-end, which will result in a 60% cost saving.
New initiatives include the Instant Loans product, the Chime Enterprise channel with partnerships like Workday, and the widespread integration of artificial intelligence, which now handles 72% of customer support interactions.

Sep 10, 2025, 10:05 PM

Transcript

Chime Financial Discusses Growth, MyPay Success, Enterprise Strategy, and Margin Expansion

CHYM

Revenue Acceleration/Inflection

New Projects/Investments

Product Launch

Chime Financial reported strong growth in Q2, with active members increasing by 23% year over year and average revenue per active member (RPM) up 12% year over year, while customer acquisition costs (CAC) decreased by over 10% year over year.
The MyPay product has achieved a $300,000,000 revenue run rate since its launch about a year ago, with loss rates improving from over 1.6% in Q1 to 1.4% in Q2, targeting a long-term rate of 1%.
The company launched the Chime Enterprise initiative, securing a partnership with Workday to integrate its financial wellness suite, providing exposure to 6,000 Workday customers and 30,000,000 end consumers.
Chime demonstrated significant operating leverage, improving adjusted EBITDA margins by 18 points in Q2 over the last two years, and expects to accelerate this margin improvement in the second half of the year, with a long-term target of 35% or higher adjusted EBITDA margin.
The migration to the proprietary Chime Core system is in its final stages, with the debit and savings portfolio conversion scheduled for the back half of 2025, which is expected to lead to additional gross margin expansion in 2026 and faster product innovation.

Aug 28, 2025, 11:06 PM

Earnings Transcripts

Quarterly earnings call transcripts for Chime Financial.

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