Chime Financial, Inc.: Beat — EPS $0.11, Revenue $718M
Earnings BeatQ3 2026 · After-market
Did Chime Financial, Inc. (CHYM) beat earnings today?
Yes, Chime Financial, Inc. (CHYM) beat Wall Street analyst expectations for Q3 2026, reporting higher-than-expected EPS and higher-than-expected revenue.
Earnings Per Share+10.00% surprise
$0.11Actual
Expected: $0.10
vs. year ago +173.3%
Total Revenue+1.97% surprise
$718MActual
Expected: $704.13M
vs. year ago +32.0%
Released Nov 04 · 4:05 PM ET
Earning Report
| Metric | Q3 2026 | Q3 2025 | YoY Change % |
|---|---|---|---|
| Revenue | $718.00M | $543.52M | +32.0% |
| Revenue detail — reported lines | |||
| └─Payments revenue | $444.00M | - | +22.0% |
| └─Platform-related revenue | $274.00M | - | +52.0% |
| Net income | $43.72M | ($54.72M) | - |
| GAAP Basic EPS | $0.11 | -$0.15 | - |
| GAAP Diluted EPS | $0.11 | -$0.15 | - |
Financial Outlook / Guidance
| Metric | Q4 2026 Outlook | FY2026 Outlook | ||
|---|---|---|---|---|
| Guidance | Expected | Guidance | Expected | |
| Revenue | $757M-$767M (+27-29% YoY | $747.46MBeat +1.95% | $2.792B-$2.802B (+28% YoY | $2.77BBeat +0.97% |
| Adjusted EBITDA | $161M-$166M | — | $519M-$524M | — |
| Adjusted EBITDA Margin | 21-22% | — | ~19% | — |
Q4 2026 Outlook
- Revenue
- Guidance$757M-$767M(+27-29% YoYExpected$747.46MBeat +1.95%
- Adjusted EBITDA
- Guidance$161M-$166MExpected—
- Adjusted EBITDA Margin
- Guidance21-22%Expected—
FY2026 Outlook
- Revenue
- Guidance$2.792B-$2.802B(+28% YoYExpected$2.77BBeat +0.97%
- Adjusted EBITDA
- Guidance$519M-$524MExpected—
- Adjusted EBITDA Margin
- Guidance~19%Expected—
Business Highlights
- ➤Added a record 1.8 million net new Active Members over the trailing 12 months.
- ➤Chime Prime and Chime Card lifted credit to 29% of purchase volume.
- ➤LTV:CAC ratio reached nearly 10x for all Active Members.
- ➤MyPay originated a record $5.3 billion, with loss rates around 1%.
- ➤More than 20% of Active Members use Instant Loans.
- ➤Rolled out Chime Invest to all members and launched Visa Flex.
- ➤Began testing a new line of credit for Chime Prime members.
- ➤Introduced joint accounts to broaden the product portfolio.
- ➤Signed and launched The Michaels Companies as an Enterprise employer partner.
- ➤Signed the City of Charleston as its first public-sector employer partner.
- ➤Expanded the Workday partnership for direct-deposit selection.
- ➤Pending Stride Bank acquisition remains on track to close in first-half 2027.
Management Commentary
Chris Britt, CEO and Co-founder of Chime
“This was our strongest quarter yet as a public company, and we are seeing structural improvements in our growth and profitability profile. We added a record 1.8 million net new Active Members over the past year, accelerated revenue growth to 32%, and delivered our third consecutive quarter of GAAP profitability. Chime Prime and our growing lending business are deepening primary account relationships and driving the strongest unit economics in our history. Our momentum gives us confidence to raise our outlook for the remainder of the year.”