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Chime Financial . Class A Common Stock Earnings Calls
| Release date | May 06, 2026 |
| EPS estimate | $0.0300 |
| EPS actual | $0.130 |
| EPS Surprise | 333.33% |
| Revenue estimate | 635.72M |
| Revenue actual | 647.387M |
| Revenue Surprise | 1.84% |
| Release date | Feb 25, 2026 |
| EPS estimate | -$0.200 |
| EPS actual | -$0.120 |
| EPS Surprise | 40.00% |
| Revenue estimate | 576.997M |
| Revenue actual | 596.358M |
| Revenue Surprise | 3.36% |
| Release date | Nov 05, 2025 |
| EPS estimate | -$0.243 |
| EPS actual | -$0.150 |
| EPS Surprise | 38.36% |
| Revenue estimate | 531.276M |
| Revenue actual | 543.519M |
| Revenue Surprise | 2.30% |
| Release date | Aug 07, 2025 |
| EPS estimate | -$4.85 |
| EPS actual | -$7.29 |
| EPS Surprise | -50.31% |
| Revenue estimate | 502.787M |
| Revenue actual | 528.149M |
| Revenue Surprise | 5.04% |
Last 4 Quarters for Chime Financial . Class A Common Stock
Below you can see how CHYM performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Aug 07, 2025 |
| Price on release | $33.86 |
| EPS estimate | -$4.85 |
| EPS actual | -$7.29 |
| EPS surprise | -50.31% |
| Date | Price |
|---|---|
| Aug 01, 2025 | $32.63 |
| Aug 04, 2025 | $33.89 |
| Aug 05, 2025 | $33.80 |
| Aug 06, 2025 | $33.49 |
| Aug 07, 2025 | $33.86 |
| Aug 08, 2025 | $28.89 |
| Aug 11, 2025 | $30.21 |
| Aug 12, 2025 | $29.76 |
| Aug 13, 2025 | $30.00 |
| 4 days before | 3.77% |
| 4 days after | -11.40% |
| On release day | -14.68% |
| Change in period | -8.06% |
| Release date | Nov 05, 2025 |
| Price on release | $19.12 |
| EPS estimate | -$0.243 |
| EPS actual | -$0.150 |
| EPS surprise | 38.36% |
| Date | Price |
|---|---|
| Oct 30, 2025 | $17.05 |
| Oct 31, 2025 | $17.17 |
| Nov 03, 2025 | $17.85 |
| Nov 04, 2025 | $17.80 |
| Nov 05, 2025 | $19.12 |
| Nov 06, 2025 | $18.09 |
| Nov 07, 2025 | $20.34 |
| Nov 10, 2025 | $21.26 |
| Nov 11, 2025 | $20.39 |
| 4 days before | 12.14% |
| 4 days after | 6.64% |
| On release day | -5.39% |
| Change in period | 19.59% |
| Release date | Feb 25, 2026 |
| Price on release | $21.11 |
| EPS estimate | -$0.200 |
| EPS actual | -$0.120 |
| EPS surprise | 40.00% |
| Date | Price |
|---|---|
| Feb 19, 2026 | $20.62 |
| Feb 20, 2026 | $20.91 |
| Feb 23, 2026 | $19.36 |
| Feb 24, 2026 | $20.43 |
| Feb 25, 2026 | $21.11 |
| Feb 26, 2026 | $23.97 |
| Feb 27, 2026 | $22.13 |
| Mar 02, 2026 | $22.62 |
| Mar 03, 2026 | $22.78 |
| 4 days before | 2.38% |
| 4 days after | 7.91% |
| On release day | 13.55% |
| Change in period | 10.48% |
| Release date | May 06, 2026 |
| Price on release | $21.73 |
| EPS estimate | $0.0300 |
| EPS actual | $0.130 |
| EPS surprise | 333.33% |
| Date | Price |
|---|---|
| Apr 30, 2026 | $21.86 |
| May 01, 2026 | $22.24 |
| May 04, 2026 | $22.08 |
| May 05, 2026 | $20.79 |
| May 06, 2026 | $21.73 |
| May 07, 2026 | $19.01 |
| May 08, 2026 | $18.43 |
| May 11, 2026 | $18.23 |
| May 12, 2026 | $18.10 |
| 4 days before | -0.595% |
| 4 days after | -16.71% |
| On release day | -12.52% |
| Change in period | -17.20% |
Chime Financial . Class A Common Stock Earnings Call Transcript Summary of Q1 2026
Key points for investors:
- Strong top-line growth and member momentum: Q1 revenue grew 25% year-over-year, active members rose by ~700k to a record 10.2 million, with the >$75k income segment the fastest-growing. Chime ranked #1 in U.S. checking account openings (J.D. Power).
- Profitability and margins: Q1 was the company's first quarter of positive GAAP net income ($53M) and delivered $119M adjusted EBITDA (18% adjusted EBITDA margin, +1,300 bps YoY). Transaction profit grew 41% YoY to $491M, and transaction margin improved to 76% in Q1 (expected to normalize to 70–72% for the rest of the year).
- Raised full-year guidance and capital return: Management raised 2026 revenue and adjusted EBITDA guidance and announced a new $200M share repurchase authorization to opportunistically buy stock.
- Product monetization and mix shifts: ARPAM rose 5% YoY to $263. Chime Card adoption accelerated (credit share of purchases ~25% in March), which benefits take rates. Platform/ liquidity products (MyPay and instant loans) drove outsized profit growth: MyPay is a $400M+ run-rate business with MyPay transaction profit up ~10x YoY and a ~62% MyPay transaction margin; instant loans originated $180M in Q1 and are scaling.
- New premium tier and retention levers: Chime launched Chime Prime (no fees, $3k/month direct deposit requirement) offering 5% cash back in one category, 3.75% savings APY, prequalification for instant loans and premium perks. Early signs: Prime increases direct deposit intent, retention, and Chime Card adoption.
- AI and technology advantages: Management highlighted AI deployment across product and engineering—Jade (AI copilot) for members and Archimedes (AI-native software factory) for product development—driving faster product velocity (84% of code shipped in March developed with AI) and operating leverage.
- Credit and underwriting strength: Short-duration lending portfolio shows improving loss rates; repeat borrowers have meaningfully lower losses (as much as 50% better), supporting broader access and better economics.
- Guidance and seasonality: Q2 revenue guide $633M–$643M (20–22% YoY), Q2 adjusted EBITDA $72M–$77M (11–12% margin). Full-year revenue guide $2.66B–$2.69B (22–23% YoY) and adjusted EBITDA $416M–$431M (~16% margin). Management reiterated typical tax-season seasonality (strong Q1 net adds, softer Q2 net adds).
