Chime Financial, Inc. Class A (CHYM)
NASDAQ:CHYM
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Earnings Data
Report Date
Aug 06, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
-0.01Last Year’s EPS
-7.29Same Quarter Last Year
Strong Buy
Based on 16 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong, broad-based positive momentum: record active member growth, double-digit revenue growth (25% YoY), first quarter of GAAP profitability, sizable adjusted EBITDA and transaction profit expansion, and powerful unit economics supported by MyPay and Chime Card adoption. Management is investing in Chime Prime, AI-driven product velocity, and enterprise growth—moves expected to deepen member relationships but which introduce near-term seasonality and investment-driven margin headwinds. Overall the positives (growth, profitability, product traction, and operating leverage) materially outweigh the early-stage risks and seasonal/near-term investments.Company Guidance
Strong Member Growth
Added nearly 700,000 active members in Q1, bringing total active members to a record 10.2 million (19% year-over-year growth in active members).
Revenue and Profitability Milestones
Revenue grew 25% year-over-year in Q1, exceeding the high end of guidance. Delivered first quarter of positive GAAP EPS with GAAP net income of $53 million and adjusted EBITDA of $119 million (adjusted EBITDA margin 18%, up ~1,300 basis points year-over-year).
Raised Full-Year Guidance and Share Buyback
Raised full-year revenue guidance to $2.66B–$2.69B (22%–23% growth) and full-year adjusted EBITDA to $416M–$431M (16% adj. EBITDA margin). Authorized an additional $200 million share repurchase program.
Improving Unit Economics and Transaction Profit
Transaction margin improved to 76% (up 9 percentage points year-over-year) and transaction profit grew 41% year-over-year to $491 million. Incremental adjusted EBITDA margin in Q1 was 73% (company now expects ~60% incremental margin for full year).
ARPAM and Payments Momentum
Average revenue per active member (ARPAM) increased 5% year-over-year to $263. Combined payments and other transaction (OIT) revenue increased 19% year-over-year; PV and OIT volumes grew 15%.
MyPay Performance
MyPay reached a $400M+ run-rate with transaction margin ~62% and MyPay transaction profit of $64 million (up over 10x year-over-year). Loss rates held near the steady-state target of 1%; MyPay yield increased ~35% year-over-year after variable pricing rollout.
Chime Card & Credit Mix Gains
Chime Card adoption rose to nearly 50% of members as of March (from just over one-third in September). Purchase volume on credit rose to ~25% in March from 16% in September, improving take rates.
Product Velocity and AI Adoption
AI is accelerating development: 84% of code shipped in March was developed with AI (up from 29% four months earlier). Rolling out Archimedes (AI-native software factory) and Jade (AI copilot) to speed product delivery and member-facing automation.
Platform Revenue and Lending Progress
Platform-related revenue grew 50% year-over-year. Instant loans originated $180 million in Q1, doubled origination for 9- and 12-month loans quarter-over-quarter, and repeat-borrower loss rates improved as much as 50% vs. first-time borrowers.
Strong Unit Economics and Retention
Cohort dynamics show durable engagement: 15% of active members use 6+ products with ARPAM north of $500, cohorts double ARPAM as they age, dollar-based transaction profit retention over 100% net of churn, and LTV:CAC above 8x with payback periods of ~5–6 quarters.
CHYM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CHYM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 06, 2026 | $21.73 | $19.01 | -12.52% |
Feb 05, 2026 | $20.77 | $21.78 | +4.86% |
Nov 05, 2025 | $19.12 | $18.09 | -5.39% |
Aug 07, 2025 | $33.86 | $28.89 | -14.68% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Chime Financial, Inc. Class A (CHYM) report earnings?
Chime Financial, Inc. Class A (CHYM) is schdueled to report earning on Aug 06, 2026, After Close (Confirmed).
What is Chime Financial, Inc. Class A (CHYM) earnings time?
Chime Financial, Inc. Class A (CHYM) earnings time is at Aug 06, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is CHYM EPS forecast?
CHYM EPS forecast for the fiscal quarter 2026 (Q2) is -0.01.