Chime Financial, Inc. Class A Common Stock Q3 2026 Earnings Recap

Chime shares rose 1.0% after earnings, a roughly flat reaction. Revenue growth accelerated and profitability expanded, while the transcript also highlighted continued investment in new products and a planned bank acquisition.

Key Takeaways

• Revenue grew 32% year over year, up from 27% in the prior quarter; adjusted EBITDA margin expanded 14 percentage points to 19%, and Chime recorded its third consecutive quarter of GAAP net income.
• Chime added a record 1.8 million net new Active Members over the past 12 months. Members earning $75,000 or more were its fastest-growing new-enrollment segment; Prime members generated more than twice the ARPAM of the average Active Member.
• Lending products reached $50 billion in annualized origination volume in Q3. MyPay originated $5.3 billion, with losses around its 1% steady-state target; Instant Loans volume grew to $381 million and annualized revenue exceeded $115 million.
• Management said Chime was raising its fourth-quarter outlook, but the transcript provides no specific revised figures. It also described Jade, its personal finance agent, as available to millions of members, without disclosing adoption metrics.
• Chime plans to acquire Stride Bank, citing potential benefits including faster product launches and lower partner fees and funding costs; the transcript does not quantify those expected savings.