| Metric | Value ($ M) | Q1 FY25 |
|---|---|---|
| Revenue | 647.39 | 24.8% |
| Total Income | 647.39 | 24.8% |
| Expenditure | 601.22 | 18.0% |
| PBT | 53.91 | 272.1% |
| Net Profit | 53.46 | 313.1% |
| OPM | 7.13% | 5.37pp |
| NPM | 8.26% | 5.76pp |
| EPS | 0.14 |
Chime Reports Q1 2026 Revenue Up 25% YoY to $647 Million
07 May 2026 · 7 May, 1:45 am
Summary
Chime Financial, Inc. reported strong top- and bottom-line growth for the first quarter of 2026, exceeding revenue guidance with a 25% year-over-year increase to $647 million. The company achieved its first quarter of GAAP profitability as a public company, with a net income of $53 million. Active Members grew 19% year-over-year to 10.2 million. The company also raised its full-year guidance and announced an additional $200 million share repurchase authorization.
Key Highlights
- 1
Chime's revenue was $647 million, reflecting a 25% increase year-over-year.
- 2
Payments revenue grew 15% year-over-year to $433 million.
- 3
Platform-related revenue increased 50% year-over-year to $215 million.
- 4
The company achieved net income of $53 million, resulting in a net margin of 8%.
- 5
Adjusted EBITDA was $119 million, with an adjusted EBITDA margin of 18%, a 13 percentage point increase year-over-year.
- 6
Active Members grew 19% year-over-year to 10.2 million.
- 7
The Board of Directors approved an additional $200 million share repurchase authorization.
Management Comments
Chris Britt
We’re off to a strong start in 2026, exceeding the high end of our revenue guidance, delivering strong incremental margins, and achieving our first quarter of GAAP profitability as a public company. These results underscore the strength and resilience of our business model. We also reached 10.2 million Active Members, with more Americans opening bank accounts with Chime than any other financial institution1, putting us more than 50% ahead of our closest competitor. With the launch of Chime Prime, our new premium membership tier, we’re demonstrating accelerating product velocity powered by our ChimeCore technology stack. We’re well positioned to build on this momentum with more products to help our members unlock greater financial progress.”
Informational and educational content only. Not investment advice.