Earnings summaries and quarterly performance for Chime Financial.
Research analysts who have asked questions during Chime Financial earnings calls.
DP
Darrin Peller
Wolfe Research, LLC
6 questions for CHYM
Also covers: ACN, ADYYF, AFRM +28 more
Will Nance
Goldman Sachs
6 questions for CHYM
Also covers: AFRM, AMTD, FI +19 more
AJ
Andrew Jeffrey
William Blair & Company
5 questions for CHYM
Also covers: AFRM, COIN, CPAY +8 more
TH
Tien-tsin Huang
JPMorgan Chase & Co.
5 questions for CHYM
Also covers: ACN, ADP, ALIT +27 more
Adam Frisch
Evercore ISI
4 questions for CHYM
Also covers: AFRM, FOUR, GPN +3 more
JF
James Faucette
Morgan Stanley
4 questions for CHYM
Also covers: ACN, ADP, AFRM +29 more
SS
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
4 questions for CHYM
Also covers: ALLY, AVDX, AXP +19 more
TC
Timothy Chiodo
UBS Group AG
3 questions for CHYM
Also covers: AFRM, AVDX, FI +18 more
JF
James Fawcett
Morgan Stanley
2 questions for CHYM
Also covers: AFRM, UPST, V
JC
Jeff Cantwell
Seaport Research Partners
2 questions for CHYM
Also covers: ACIW, AFRM, CRCL +6 more
Vasu Govil
KBW
2 questions for CHYM
Also covers: EEFT, FIS
TC
Timothy Chioda
UBS
1 question for CHYM
TN
Tinh Nguyen
JPMorgan Chase & Co.
1 question for CHYM
Recent press releases and 8-K filings for CHYM.
Chime Financial Announces Q4 2025 Results and FY 2026 Outlook
CHYM
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Chime Financial reported Q4 2025 revenue of $596 million, representing 25% year-over-year growth, and achieved $57 million in Adjusted EBITDA for the quarter, with a 12 percentage point improvement in Adjusted EBITDA margin year-over-year.
- For the full year 2026, the company expects 20-22% revenue growth and Adjusted EBITDA between $380 million and $400 million, projecting to be GAAP profitable.
- The MyPay product achieved its steady-state loss rate target of 1.0% in Q4 2025, with a transaction margin nearing 60%.
- Chime maintains a strong market position, being the #1 destination for consumers switching their direct deposit relationship and holding the #1 share of new checking accounts.
2 days ago
Chime Financial Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CHYM
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Chime Financial reported Q4 2025 revenue growth of 25% year-over-year and full-year 2025 revenue growth of 31%. The company achieved a 12-point year-over-year improvement in adjusted EBITDA margin in Q4 2025, reaching 10%.
- The company added approximately 500,000 net new active members in Q4 2025, bringing the total to 9.5 million. Average revenue per active member (ARPAN) increased 5% year-over-year to $257.
- Strategic achievements include completing the Chime Core migration in Q4, which is expected to reduce transaction processing costs by 60% and contributed a 200 basis point increase to gross margin. MyPay reached a $400 million revenue run rate in Q4 2025 with loss rates stabilizing at 1%.
- For full-year 2026, Chime expects revenue between $2.63 billion and $2.67 billion (20%-22% year-over-year growth) and adjusted EBITDA between $380 million and $400 million (14%-15% margin). The company anticipates achieving GAAP profitability for the balance of 2026.
2 days ago
Chime Financial Exceeds Guidance in Q4 2025, Projects GAAP Profitability in 2026
CHYM
Earnings
Guidance Update
Product Launch
- Chime Financial reported strong Q4 2025 results, with revenue growing 25% year-over-year and adjusted EBITDA reaching $57 million, improving its adjusted EBITDA margin by 12 percentage points year-over-year. The company also added approximately 500,000 net new active members in Q4, bringing the total to 9.5 million.
- For the full year 2025, Chime achieved 31% revenue growth. A key operational milestone was the completion of the Chime Core migration in Q4, which is expected to reduce transaction processing costs by an estimated 60% and drove a 200 basis point increase in gross margin.
- The company provided a positive outlook for 2026, projecting full-year revenue between $2.63 billion and $2.67 billion (20%-22% year-over-year growth) and adjusted EBITDA between $380 million and $400 million (14%-15% margin). Chime expects to be GAAP profitable for the balance of 2026.
- Strategic initiatives for 2026 include launching a new premium membership tier in Q2, expanding into investing, joint accounts, and teen/custodial accounts by summer, and further embedding AI to enhance customer experience and operational efficiency, including the launch of the "Jade" consumer AI offering in Q2.
2 days ago
Chime Financial Reports Strong Q4 2025 Results and Provides Upbeat 2026 Guidance
CHYM
Earnings
Guidance Update
Product Launch
- Chime Financial reported strong Q4 2025 results, with 25% year-over-year revenue growth and a 12 percentage point improvement in Adjusted EBITDA margin to 10%.
- For the full year 2025, revenue grew 31%, and the company added approximately 500,000 net new active members in Q4, reaching a total of 9.5 million.
- Strategic achievements in Q4 2025 included the completion of the Chime Core migration, reducing transaction processing costs by an estimated 60%, and the successful launch of Chime Card, which increased credit spend as a percentage of purchase volume from 16% to 21%. MyPay also reached over $400 million in revenue run rate with a 1% loss rate.
- The company issued strong 2026 guidance, projecting full-year revenue between $2.63 billion and $2.67 billion (20%-22% year-over-year growth) and Adjusted EBITDA between $380 million and $400 million (14%-15% margin), with an expectation to achieve GAAP profitability for the balance of the year.
2 days ago
Chime Financial, Inc. Reports Strong Q4 and Full Year 2025 Results, Projects 2026 GAAP Profitability
CHYM
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Chime reported full year 2025 revenue of $2.2 billion, a 31% year-over-year increase, and Q4 2025 revenue of $596 million, up 25% year-over-year.
- The company achieved Adjusted EBITDA of $127 million for full year 2025, with a 6% margin, and $57 million for Q4 2025, with a 10% margin.
- Chime expects to achieve GAAP profitability in 2026 and provided full year 2026 revenue guidance of $2.63 billion to $2.67 billion and Adjusted EBITDA guidance of $380 million to $400 million.
- Key operational achievements include the completion of the ChimeCore migration, which is expected to reduce transaction processing costs by an estimated 60%, and scaling MyPay to over $400 million in annualized revenue with a 1% loss rate.
2 days ago
Chime Financial Reports Strong Q4 and Full Year 2025 Results, Projects GAAP Profitability in 2026
CHYM
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Chime Financial reported full year 2025 revenue growth of 31% and Q4 2025 revenue of $596 million, an increase of 25% year-over-year.
- The company achieved a net loss of $45 million in Q4 2025 and anticipates reaching GAAP profitability in 2026.
- Adjusted EBITDA for Q4 2025 was $57 million, with a 10% margin, marking a 12 percentage point increase year-over-year.
- Active Members grew 19% year-over-year to 9.5 million in Q4 2025, and the MyPay product scaled to over $400 million in revenue run rate with a 1% loss rate.
- For full year 2026, Chime Financial expects revenue between $2.63 billion and $2.67 billion, representing 20% to 22% year-over-year growth, and Adjusted EBITDA between $380 million and $400 million.
2 days ago
Chime Highlights Growth, Product Innovation, and Profit Margin Acceleration at UBS Conference
CHYM
Product Launch
New Projects/Investments
Revenue Acceleration/Inflection
- 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.
Dec 3, 2025, 7:55 PM
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.
Dec 3, 2025, 7:55 PM
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
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
Quarterly earnings call transcripts for Chime Financial.
Ask Fintool AI Agent
Get instant answers from SEC filings, earnings calls & more