$CHYM · Chime Financial, Inc.
Chime reported Q3 FY2026 results (quarter ended Sept 30, 2026): revenue of $718M, up 32% YoY from $543.5M, with GAAP net income of $43.7M ($0.11 diluted EPS) versus a $54.7M loss a year ago. Gross margin was 90%, adjusted EBITDA $137M (19% margin), and Active Members grew 20% YoY to 10.9M. The company raised FY26 guidance to $2.792–$2.802B revenue and $519–$524M adjusted EBITDA, and Q4 guidance to $757–$767M revenue.
- Revenue grew 32% YoY to $718M, accelerating from 27% growth in Q2.
- GAAP net income of $43.7M ($0.11 diluted EPS) vs a $54.7M loss a year ago.
- Adjusted EBITDA of $137M (19% margin), up 14 points YoY.
- Active Members grew 20% YoY to 10.9M, adding a record 1.8M net new members over 12 months.
- FY26 guidance raised to $2.792–$2.802B revenue and $519–$524M adjusted EBITDA.
Extended-hours trading pushed CHYM to $31.59, up 5.76% vs the $29.87 regular close, reflecting a positive reaction to the beat and raised guidance.
Chime delivered accelerating growth plus a third consecutive GAAP profit and raised full-year guidance, signaling durable margin expansion at scale.
Chime's accelerating revenue growth and third straight GAAP profit contrast with a fintech peer group still largely focused on reaching sustained profitability.
The Stride Bank acquisition remains subject to regulatory approvals and closing conditions; forward-looking statements flag interchange fee rules, bank partner relationships, and a history of net losses.