Chime Financial Reports $718 million Quarterly Revenue
Chime Financial reported quarterly results highlighted by revenue grows 32% year over year to $718 million, according to its earnings release filed with an 8-K Wednesday.
Revenue grew 32% year over year to $718 million, accelerating from 27% year-over-year growth in the second quarter. Payments revenue grew 22% year over year to $444 million, and 26% year over year when combined with Outbound Instant Transfer (OIT) revenue. Platform-related revenue grew 52% year over year to $274 million, reflecting the continued scaling of MyPay and Instant Loans. Gross profit was $646 million, yielding a 90% gross margin.
Chris Britt said, "This was our strongest quarter yet as a public company, and we are seeing structural improvements in our growth and profitability profile,"
Results detail
Further figures in the release included Transaction profit (non-GAAP) grew 41% year over year to $530 million, yielding a 74% transaction margin; Net income was $44 million, marking our third consecutive quarter of GAAP profitability. Net margin was 6%, up 16 percentage points year over year; Adjusted EBITDA (non-GAAP) was $137 million, representing a 19% adjusted EBITDA margin, up 14 percentage points year over year; Average Revenue per Active Member (ARPAM) grew 10% year over year to $270.
The filing is an Item 2.02 results announcement furnished with Exhibit 99.1. Comparisons use the year-earlier period as presented by Chime Financial unless the release specifies another baseline. Where both GAAP and non-GAAP metrics appear, both are summarized when the extract includes them.
Segment mix, cash flow and any outlook language in the release are the usual secondary reads after the headline revenue and earnings figures. One-time items—restructuring, impairments, gains on sales or legal settlements—can move GAAP profit without changing the run-rate story, so reconciliations remain essential.
Why it matters
For retail investors, the Chime Financial print is a check on whether growth, margins and cash generation are moving together. The figures above come from the company’s Exhibit 99.1 earnings materials; how they stack up against the prior-year run rate and any guide published with the release will shape the near-term debate.
By the numbers
- Revenue grows 32% year over year to $718 million
- Revenue grew 32% year over year to $718 million, accelerating from 27% year-over-year growth in the second quarter.
- Payments revenue grew 22% year over year to $444 million, and 26% year over year when combined with Outbound Instant Transfer (OIT) revenue.
- Platform-related revenue grew 52% year over year to $274 million, reflecting the continued scaling of MyPay and Instant Loans.
- Gross profit was $646 million, yielding a 90% gross margin.
- Transaction profit (non-GAAP) grew 41% year over year to $530 million, yielding a 74% transaction margin.
Sources
- Chime Financial, Inc. Form 8-K with quarterly financial results, filed 2026-11-04 (accession 0001795586-26-000052)
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