Chime Financial, Inc. Class A Common Stock Q1 2026 Earnings Recap

CHYM Q1 2026 May 8, 2026

Get alerts when CHYM reports next quarter

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.

Earnings Per Share Beat

$0.13 vs $0.03 est.

+333.3% surprise

Revenue Beat

647387000 vs 635720000 est.

+1.8% surprise

Market Reaction

1-Day +0.0%

5-Day -5.62%

See CHYM alongside your other holdings

Add to your portfolio — free

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.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit CHYM on AllInvestView.

Previous Q3 2025