Chime Financial, Inc. Class A Common Stock

Chime Financial, Inc. Class A Common Stock Earnings Recaps

CHYM 2 recaps
Q1 2026 May 8, 2026

Chime’s stock dropped 8.6% following earnings as investors reacted negatively to a cautious outlook and uncertainty around the new premium membership tier’s impact despite ongoing active member growth and improved profitability.

Key takeaways
  • Added nearly 700,000 active members in Q1, reaching a record 10.2 million active members.
  • Revenue grew 25% year-over-year, surpassing the high end of guidance, with over 13 points of adjusted EBITDA margin expansion.
  • Achieved first quarter of positive GAAP EPS, expecting full-year GAAP profitability.
  • Early adoption of Chime Prime shows promise but remains early with uncertainty about its contribution to revenue and retention.
  • Lending portfolio shows improving credit loss rates and low risk due to underwriting tied to recurring direct deposits.
Full recap
Q3 2025 Nov 6, 2025

Chime reported a robust Q3 2025, achieving a 29% year-over-year revenue growth and surpassing guidance across key financial metrics, bolstered by a significant increase in active membership.

Key takeaways
  • Active members increased by 21% year-over-year, reaching 9.1 million, with a sequential gain of approximately 400,000 from Q2.
  • Adjusted EBITDA margin improved by 9 percentage points year-over-year, reflecting enhanced operational efficiency.
  • Launched the new Chime Card, providing 1.5% cash back on purchases, leading to a significant rise in spending among new adopters.
  • MyPay product reached a $350 million annual run rate with strong profitability, showcasing effective product innovation.
  • Chime's brand awareness surged to 41%, ranking it as the #1 banking brand in the U.S. for 2025, ahead of all major national banks.
Full recap