Earnings Releases·Nov 4, 2026, 4:09 PM ET

Chime — Third Quarter 2026 Earnings Summary

Revenue grew 32% year over year to $718 million, accelerating from 27% in Q2, while Net Income reached $44 million (6% net margin) for the third consecutive quarter of GAAP profitability.
Management raised full-year 2026 revenue guidance to $2.792–$2.802 billion and Adjusted EBITDA to $519–$524 million, alongside increased Q4 revenue and EBITDA targets.
The pending acquisition of Stride Bank remains on track for a first-half 2027 closing, expected to deliver over $100 million in annual synergies and structural cost advantages.
Chime repurchased $222.1 million of common stock during the first nine months of 2026, while Active Members grew 20% year over year to 10.9 million.