Chime Financial, Inc. (CHYM) Form 8-K — Nov 4, 2026
Chime Financial reported Q3 2026 revenue of $718 million, up 32% year over year and accelerating from 27% growth in Q2, alongside $44 million of GAAP net income — its third consecutive profitable quarter. Management raised full-year 2026 guidance to $2.792-$2.802 billion in revenue (+28% YoY) with adjusted EBITDA of $519-$524 million, and pointed to record member growth of 1.8 million net new Active Members over the trailing twelve months and LTV:CAC near 10x.
Key figures
- Eps
- 0.11
- Revenue
- 718000000
- Guidance
- FY2026 revenue $2.792-$2.802B (+28% YoY), adjusted EBITDA $519-524M (~19% margin); Q4 revenue $757-767M (+27-29% YoY), adjusted EBITDA $161-166M
- Net Income
- 43724000
- Total Debt
- 100000000
- Revenue Yoy
- 32%
- Total Assets
- 2207427000
- Cash Position
- 636656000
- Arpam
- $270 (+10% YoY)
- Active members
- 10.9 million (+20% YoY)
- Gross profit q3
- $646 million (90% gross margin)
- Ltv to cac ratio
- nearly 10x
- Adjusted ebitda q3
- $137 million (19% margin, up 14 pts YoY)
- Purchase volume q3
- $38.5 billion (+19% YoY)
- Stride bank synergies
- more than $100 million annual net after-tax
- Transaction profit q3
- $530 million (74% margin, +41% YoY)
- Nine month revenue 2026
- $2,035,156 thousand
- Mypay annualized revenue
- $500+ million
- Warehouse facility drawn
- $100,000 thousand
- Net new active members ttm
- 1.8 million
- Nine month net income 2026
- $125,030 thousand
- Mypay origination volume q3
- $5.3 billion
- Instant loans origination q3
- $381 million
- Share repurchases nine months
- $222,074 thousand
- Instant loans annualized revenue
- $115+ million
AI analysis
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