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Chime Financial, Inc. Class A (CHYM)
NASDAQ:CHYM
Earnings Data
Report Date
May 07, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.01Last Year’s EPS
0.2Same Quarter Last Year
Strong Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated strong execution: robust revenue growth (31% FY), meaningful margin expansion (12ppt YoY in Q4), product-led monetization (Chime Card, MyPay, Instant Loans), completion of a major ChimeCore migration with substantial cost advantages, large net new active member additions and high engagement. Management provided confident 2026 guidance with continued operating leverage and GAAP profitability expected for the balance of the year. Near-term uncertainties include seasonality/tax timing, MyPay repricing effects, the credit profile of scaling Instant Loans, and the multi-quarter ramp of the enterprise channel and planned marketing investments. Overall, positive momentum and structural advantages outweigh these manageable near-term risks.Company Guidance
Strong Full-Year and Q4 Revenue Growth
2025 revenue grew 31% year-over-year. In Q4, revenue grew 25% YoY, exceeding guidance, with Q1 2026 revenue guide of $627M–$637M (21%–23% YoY) and FY2026 revenue guide of $2.63B–$2.67B (20%–22% YoY).
Significant Margin and Profitability Improvement
Adjusted EBITDA margin improved by 12 percentage points year-over-year in Q4, reaching roughly 10% (Q4 adjusted EBITDA $57M). FY2026 adjusted EBITDA margin guidance of 14%–15% (adjusted EBITDA $380M–$400M) with expectation of GAAP profitability for the balance of 2026.
Large Membership Growth and Deep Engagement
Added ~500,000 net new active members in Q4 (1.5M YoY), totaling ~9.5M members. Average active member transacts ~55 times per month; average revenue per active member (ARPAM) was $257 (up 5% YoY and 21% over two years); tenured cohorts ARPAM nearly $400.
Completed ChimeCore Migration — Major Cost Advantage
Completed migration to ChimeCore, making Chime 100% on its own stack. Cost to serve estimated at ~1/3 of large banks and ~1/5 of regional banks; transaction processing costs reduced by an estimated 60%. Final stage of migration drove a ~200 basis point gross margin improvement and supports long-term gross margin target of ~90%.
Chime Card Driving Strong Adoption and Higher Take Rates
Chime Card (secured cash-back credit card) adoption: over 50% of new-cohort members adopt and adopters use it for >70% of Chime spend. Credit spend as percent of purchase volume rose from 16% in September to 21% in December (30% relative increase). Chime Card take rate ~175 bps vs <100 bps on debit — a multi-year revenue tailwind.
MyPay Rapid Scale with Improving Credit Performance
MyPay reached >$400M revenue run rate in Q4 with ~60% transaction margin. Loss rates improved from 1.7% at start of 2025 to a steady-state target of 1% in Q4 — faster than planned — enabling variable pricing and scale opportunities.
Transaction Profit and Margin Expansion
Transaction margin rose to 72% in Q4 (from 69% in Q3). Annualized transaction profit reached $1.7B in Q4, up 31% YoY. Transaction profit grew 31% YoY in Q4 even after fully lapping MyPay’s 2024 launch.
Liquidity and Lending Origination Scale
Combined SpotMe, MyPay and Instant Loans exited 2025 at over $40B annualized origination volume. Instant Loans originated ~ $400M in 2025 and 10% of active members had an open Instant Loan by Q4.
Leadership in Customer Acquisition and Brand Recognition
J.D. Power estimated Chime accounted for ~13% of U.S. new checking account openings (~50% more than #2 Chase). Recognitions include #1 online banking for Americans up to $100K income, NerdWallet 'Best Checking Account' and TIME #1 banking brand — supporting strong organic acquisition and lower CAC.
AI and Operational Efficiency Gains
AI initiatives reduced cost to serve nearly 30% over 3 years and increased ARPAM 23% over that period. Fraud rates reduced ~30% since 2023. Automation cut dispute decision time by ~30% while maintaining >99% accuracy; marketing creative output doubled with lower production costs.
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 |
|---|---|---|---|
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 May 07, 2026, After Close (Confirmed).
What is Chime Financial, Inc. Class A (CHYM) earnings time?
Chime Financial, Inc. Class A (CHYM) earnings time is at May 07, 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 2026 (Q1) is 0.01.