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Chime Financial, Inc. Class A (CHYM)
:CHYM
Earnings Data
Report Date
Feb 05, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
-0.16Last Year’s EPS
-0.05Same Quarter Last Year
Strong Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Chime's earnings call reflected strong overall performance with significant membership growth, revenue increases, and successful new product launches. The completion of ChimeCore and strategic partnerships in enterprise channels further bolster future prospects. While there are some expected normalizations in ARPAM growth and a one-time termination expense, the highlights significantly outweigh these lowlights.Company Guidance
Record Membership Growth
Chime reached 9.1 million active members, a 21% year-over-year increase, adding approximately 400,000 members sequentially from Q2.
Revenue and Profitability
Chime reported a 29% year-over-year revenue growth and improved the adjusted EBITDA margin by 9 percentage points year-over-year.
New Product Launch - Chime Card
Introduced the new Chime Card with 1.5% cash back on everyday spend, contributing to a 175 basis points interchange rate, over 50% higher than the average take rate.
ChimeCore Platform Completion
Completed the migration to ChimeCore, expected to increase gross margin to close to 90% in Q4.
Raising Guidance
Chime raised guidance for Q4 and full year 2025 revenue and adjusted EBITDA, highlighting confidence in continued growth.
Strong Consumer Health
Despite macroeconomic concerns, Chime members showed robust spending with no signs of unemployment pressure.
Enterprise Channel Expansion
Chime announced partnerships with Workday and UKG, with early traction in bringing Chime solutions to employees of enterprise partners.
CHYM Earnings History
Report Date | Fiscal Quarter | Forecast / EPS | Last Year's EPS | EPS YoY Change | Press Release | Slides | Play Transcript |
|---|---|---|---|---|---|---|---|
Feb 05, 2026 | 2025 (Q4) | -0.054 | ― | ― | ― | ||
Nov 05, 2025 | 2025 (Q3) | -0.06 | -150.00% (-0.09) | ||||
Aug 07, 2025 | 2025 (Q2) | 0 | ― |
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 |
|---|---|---|---|
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 Feb 05, 2026, After Close (Confirmed).
What is Chime Financial, Inc. Class A (CHYM) earnings time?
Chime Financial, Inc. Class A (CHYM) earnings time is at Feb 05, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CHYM EPS forecast?
CHYM EPS forecast for the fiscal quarter 2025 (Q4) is -0.16.