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Chime raised Q4 top-line growth guidance to 27% to 29% and expects approval of its planned bank acquisition in the first half of next year. It guides Q4 adjusted EBITDA margin to 21% to 22%.
Chime reported revenue of $718,001 thousand, up 32%, and net income of $43,724 thousand versus a net loss of $54,722 thousand, while its pending $590.0 million cash acquisition of Stride is expected to close in the first half of 2027.
Chime reported Q3 revenue growth of 32% to $718 million and adjusted EBITDA margin expansion of 14 points to 19%, while raising Q4 revenue guidance to $757 to $767 million and adjusted EBITDA guidance to $161 to $166 million.
Chime reported third-quarter revenue growth of 32% to $718 million and its third consecutive quarter of GAAP profitability, with $44 million net income. It raised full-year 2026 revenue guidance to between $2.792 and $2.802 billion and adjusted EBITDA guidance to between $519 and $524 million.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Chime delivered 32% revenue growth, a third consecutive quarter of GAAP profitability, record member growth, stronger unit economics, strong lending revenue and transaction-profit growth, and raised its Q4 and full-year 2026 outlook. Risks include MyPay margin and loss-rate pressure, modestly higher Instant Loans loss rates, Stride regulatory approval and integration costs, and stated profitability, bank-partner, and banking-regulation risks.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Active Members | 10.4M | Q2 2026 | — |
| Adjusted EBITDA non-GAAP | $220.22M | Six Months Ended June 30 | — |
| Adjusted EBITDA margin non-GAAP | 17% | Six Months Ended June 30 | — |
| Average Revenue per Active Member (ARPAM) | $260 | Q2 2026 | — |
| Instant Loans originations | $300M | Q2 2026 | — |
| MyPay origination volume | 4.5B | Q2 2026 | — |
| MyPay transaction profit | $73M | Q2 2026 | — |
| PV | 38B | Q2 2026 | — |
| Transaction margin non-GAAP | 75% | Six Months Ended June 30 | — |
| Transaction profit non-GAAP | $982.99M | Six Months Ended June 30 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CHYM
this stock
Chime Financial, Inc.
|
$12.68B | +31.2% | +30.7% | — | 6.2% |
|
SAP
Sap SE
|
$270.15B | -3.6% | — | — | 0.2% |
|
QH
QUHUO Ltd
|
$255.28B | +168.5% | +59.7% | — | 0.0% |
|
SHOP
Shopify Inc.
|
$188.84B | -8.8% | +30.1% | 89.0 | 1.5% |
|
CRM
Salesforce, Inc.
|
$179.06B | -17.9% | +25.9% | 19.9 | 3.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Chime raised Q4 top-line growth guidance to 27% to 29% and expects approval of its planned bank acquisition in the first half of next year. It guides Q4 adjusted EBITDA margin to 21% to 22%.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CHYM | +9.4% | +10.3% | +85.6% | +18.2% | +31.2% |
| SPY | +3.3% | -1.9% | +1.5% | +0.2% | +11.0% |
| vs SPY | +6.2% | +12.2% | +84.0% | +18.0% | +20.2% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
