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Chime Financial
Chime Financial (CHYM) investor relations material
Chime Financial Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary6 May, 2026
Executive summary
Achieved 25% year-over-year revenue growth in Q1 2026, reaching $647 million, and delivered first GAAP profitable quarter post-IPO with net income of $53 million, driven by record active member growth to 10.2 million and strong momentum in higher-income segments.
Launched Chime Prime, a premium membership tier, and expanded offerings like MyPay and Instant Loans, driving deeper member engagement, higher monetization, and improved retention.
Raised full-year 2026 revenue and adjusted EBITDA guidance, with continued investment in AI-driven product development and marketing, and announced a new $200 million share repurchase authorization.
Demonstrated significant operating leverage and innovation, with 84% of shipped code in March developed with AI and migration to proprietary ChimeCore platform improving transaction margin.
Financial highlights
Q1 2026 revenue was $647 million, up 25% year-over-year, with gross profit of $580 million (90% margin) and adjusted EBITDA of $119 million (18% margin, up 13 percentage points year-over-year).
Net income reached $53 million (8% net margin), up from $12.9 million a year ago.
Transaction profit increased 41% year-over-year to $491 million (76% margin, up 9 percentage points year-over-year).
Payments revenue grew 15% year-over-year to $433 million; platform-related revenue rose 50% to $215 million.
Average Revenue per Active Member (ARPAM) increased 5% year-over-year to $263.
Outlook and guidance
Full-year 2026 revenue expected between $2.66 billion and $2.69 billion (22–23% growth); adjusted EBITDA projected at $416–$431 million (16% margin, incremental margin ~60%).
Q2 2026 revenue guidance is $633–$643 million (20–22% year-over-year growth), with adjusted EBITDA margin of 11–12%.
Transaction margin expected to normalize from 76% in Q1 to 70–72% for the remainder of the year due to seasonality and increased rewards costs.
Expecting to exceed the original goal of 1.4 million net new actives for 2026.
Chime Prime impact on high-earner member mix
Unit economics of longer-duration Instant Loans
AI-assisted coding impact on headcount leverage
Impact of Chime Prime on debit to credit shift
Role of Archimedes in scaling product output
Credit performance of repeat loan borrowers
Partial view of Summaries dataset, powered by Quartr API
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Latest events from Chime Financial
- Annual meeting covers director elections, auditor ratification, and performance-based executive pay.CHYM
Proxy filing17 Apr 2026 - Virtual annual meeting to vote on directors, auditor, and executive pay proposals.CHYMProxy filing17 Apr 2026
- 31% revenue growth in 2025, strong margins, and GAAP profitability expected in 2026.CHYMQ4 202510 Apr 2026
- Rapid product innovation and AI-driven efficiency fuel strong growth and profitability.CHYMWolfe FinTech Forum10 Mar 2026
- Innovative banking products and AI-driven efficiency fuel growth and profitability.CHYMMorgan Stanley Technology, Media & Telecom Conference 20264 Mar 2026
- Tech-driven banking expands with new products, AI, and strong customer engagement.CHYMGoldman Sachs Communicopia + Technology Conference 20253 Feb 2026
- Product innovation and cost leadership drive rapid growth and margin expansion.CHYMUBS’s 2025 Global Technology and AI Conference4 Dec 2025
- Chime targets a $86B market, raising $600M in its IPO, with co-founders retaining voting control.CHYMRegistration Filing29 Nov 2025
- Digital-first fintech with rapid growth, strong margins, and founder control seeks IPO to fuel expansion.CHYMRegistration Filing29 Nov 2025
Next Chime Financial earnings date
J.P. Morgan 54th Annual Global Technology, Media and Communications Conference18 May, 2026
Chime Financial
Next Chime Financial earnings date
J.P. Morgan 54th Annual Global Technology, Media and Communications Conference18 May, 2026
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Eferix Drawings Google Play
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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