Inferra AI / Company / CHYM
Chime Financial, Inc.
CHYM · Financials
Last earnings Sep 8, 2026
Key results
Revenuequarter
29%
Our 29% year-over-year revenue growth and 21% year-over-year Active Members growth reflect the strength of our model and the trust we ve built with our members.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Growthquarter
up 29%
Revenue was $544 million, up 29% year-over-year.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Payments revenuequarter
16%
Payments revenue grew 16% year-over-year to $363 million, and 20% year-over-year when combined with Outbound Instant Transfer (OIT) revenue (see below for further details on OIT).
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Platform-related revenuequarter
65%
Platform-related revenue (inclusive of OIT) grew 65% year-over-year to $180 million, reflecting continued adoption of MyPay.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Gross marginquarter
87%
Gross profit was $474 million, yielding an 87% gross margin.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Average revenuequarter
6%
Average Revenue per Active Member (ARPAM) grew 6% year-over-year to $245.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
AI analysis
Q3 2025 · reported Nov 5, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Revenue | 29% | — | — |
| Growth | up 29% | — | — |
| Payments revenue | 16% | — | — |
| Platform-related revenue | 65% | — | — |
| Gross margin | 87% | — | — |
| Average revenue | 6% | — | — |
Guidance · company-stated
Direction: Raised
“htm EX-99.1 Document Chime Reports Third Quarter 2025 Financial Results Strong top-line momentum with 29% year-over-year revenue growth, exceeding guidance Active Members grew 21% year-over-year to 9.1 million Raised Q4 and full-year 2025 outlook and announced $200 million share repurchase program SAN FRANCISCO (BUSINESS WIRE) November 5, 2025 Chime (Nasdaq CHYM), a leading consumer financial technology company, today reported financial results for the quarter ended September 30, 2025.”
“We delivered another outstanding quarter, exceeding guidance, expanding margins, and raising our full-year outlook.”
Classified from the release's primary full-year outlook statement.
Margin
Capital allocation
htm EX-99.1 Document Chime Reports Third Quarter 2025 Financial Results Strong top-line momentum with 29% year-over-year revenue growth, exceeding guidance Active Members grew 21% year-over-year to 9.1 million Raised Q4 and full-year 2025 outlook and announced $200 million share repurchase program SAN FRANCISCO (BUSINESS WIRE) November 5, 2025 Chime (Nasdaq CHYM), a leading consumer financial technology company, today reported financial results for the quarter ended September 30, 2025.
Event summary
Month after month, more mainstream Americans are choosing Chime as their primary financial partner 1 and that momentum is fueling our great results, said Chris Britt, CEO and Co-founder of Chime
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
Direction: Raised
Revenue: “htm EX-99.1 Document Chime Reports Third Quarter 2025 Financial Results Strong top-line momentum with 29% year-over-year revenue growth, exceeding guidance Active Members grew 21% year-over-year to 9.1 million Raised Q4 and full-year 2025 outlook and announced $200 million share repurchase program SAN FRANCISCO (BUSINESS WIRE) November 5, 2025 Chime (Nasdaq CHYM), a leading consumer financial technology company, today reported financial results for the quarter ended September 30, 2025.”
Revenue — Raised (“Raised”)
“htm EX-99.1 Document Chime Reports Third Quarter 2025 Financial Results Strong top-line momentum with 29% year-over-year revenue growth, exceeding guidance Active Members grew 21% year-over-year to 9.1 million Raised Q4 and full-year 2025 outlook and announced $200 million share repurchase program SAN FRANCISCO (BUSINESS WIRE) November 5, 2025 Chime (Nasdaq CHYM), a leading consumer financial technology company, today reported financial results for the quarter ended September 30, 2025.”
Margin — Raised (“raising”)
“We delivered another outstanding quarter, exceeding guidance, expanding margins, and raising our full-year outlook.”
Revenue — Raised (“raising”)
“We are raising our fourth quarter and full-year guidance for revenue and adjusted EBITDA.”
Classified from the release's primary full-year outlook statement.
Capital allocation
htm EX-99.1 Document Chime Reports Third Quarter 2025 Financial Results Strong top-line momentum with 29% year-over-year revenue growth, exceeding guidance Active Members grew 21% year-over-year to 9.1 million Raised Q4 and full-year 2025 outlook and announced $200 million share repurchase program SAN FRANCISCO (BUSINESS WIRE) November 5, 2025 Chime (Nasdaq CHYM), a leading consumer financial technology company, today reported financial results for the quarter ended September 30, 2025.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Our $200 million share repurchase program underscores our confidence in Chime s financial strength, durable business model, and long-term growth potential.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Share Repurchase Program Our Board of Directors has authorized a share repurchase program of up to $200 million of our outstanding Class A common stock, demonstrating management and the Board's confidence in Chime s financial strength and future potential.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Under this program, we are authorized to repurchase shares of Class A common stock from time to time through open market transactions, privately negotiated transactions, and other means subject to market conditions and in compliance with applicable securities laws, including through Rule 10b5-1 plans.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Open market repurchases may be structured to occur in accordance with the requirements of Rule 10b-18.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
The timing, manner, price, and amount of any repurchases will be determined by Chime at its discretion and depend on a variety of factors, including legal requirements, price, and economic and market conditions.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Strategy & priorities
Chime Enterprise expanding partnerships We recently announced strategic partnerships with Workday and UKG, two of the largest global human capital management platforms.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
2 We expect this to reduce transaction processing costs and accelerate our ability to innovate, positioning us to deliver on our ambitious 2026 product roadmap and beyond.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
In some cases, you can identify forward-looking statements by terminology such as may, will, should, expect, plan, anticipate, could, would, intend, target, project, contemplate, believe, estimate, predict, potential, goal, objective, seek, or continue or the negative of these terms or other comparable terminology that concern Chime s expectations, strategy, plans, or intentions.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
We use these non-GAAP financial measures in conjunction with GAAP measures to evaluate our operating performance, formulate business plans, prepare budgets and forecasts, and make strategic decisions, including those relating to operating expenses and the allocation of internal resources.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
We believe that adjusted EBITDA and adjusted EBITDA margin are key measures of our operating performance, and management uses these measures to formulate business plans, prepare budgets and forecasts, and make strategic decisions, including those relating to operating expenses and the allocation of internal resources.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Risks & headwinds
com Forward-Looking Statements This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which statements involve substantial risks and uncertainties.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Forward-looking statements are based on information available at the time those statements are made or on management s good faith beliefs and assumptions as of that time with respect to future events, and are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in, or suggested by, the forward-looking statements.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
These risks and uncertainties include risks related to our ability to attract and retain Active Members our relationships with our bank partners changes in rules and practices concerning interchange fees, card network fees, and other fees and assessments our ability to maintain and protect our brand our ability to maintain member satisfaction and provide reliable member support our ability to develop new products and enhancements for existing products our reliance on third parties and their systems our history of net losses and ability to achieve and maintain profitability and the complex and evolving laws and regulations applicable to our business and the banking ecosystem.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
In light of these risks and uncertainties, the forward-looking events and circumstances discussed in this release may not occur and actual results could differ materially from those anticipated or implied in the forward-looking 3 statements.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements contained in this release.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
We have not provided the forward-looking GAAP equivalents for certain forward-looking non-GAAP measures included in this release, or a GAAP reconciliation, as a result of the uncertainty regarding, and the potential variability of, reconciling items such as stock-based compensation expense.
SEC original ↗Chime Financial, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
13 documentsEarnings releases
6 documentsPresentations
0 documentsNo presentations for Chime Financial, Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Chime Financial, Inc. are held in this edition of the library.
Mentioned by
3 companiesOther tracked companies whose held documents mention Chime Financial, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.
“.29) $ 0.20 $ (9.44) Weighted average number… …71,198 $ 928,062 $ 136,014 $ 936,758 8 CHIME FINANCIAL, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (In thousands) (unaudited) Six Months Ended June 30, 2026 2025 Operating activities:”
“r of common shares outstanding used to compute… …related payroll tax $ 64,816 $ 8,696 8 CHIME FINANCIAL, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (In thousands) (unaudited) Three Months Ended March 31, 2026 2025 Operating activiti”
“number of shares outstanding used… …payroll tax $ 70,133 $ 8,117 $ 1,092,844 $ 29,845 8 CHIME FINANCIAL, INC. CONSOLIDATED STATEMENTS OF CASH FLOWS (In thousands) (unaudited) Year Ended December 31, 2025 2024 Operating activities: Net loss…”
See also the earnings calendar for every tracked company’s next earnings date.