Chime Financial (CHYM) Q4 2025 earnings summary

Executive summary

• Achieved 31% year-over-year revenue growth in 2025, surpassing guidance, with strong operating leverage and margin expansion.

• Active Members grew 19% year-over-year to 9.5 million, with high engagement and strong adoption of new products.

• Completed migration to proprietary ChimeCore, reducing transaction processing costs by 60%, enabling faster innovation, and driving 89% gross margin.

• MyPay scaled to over $400 million in annualized revenue with a 1% loss rate and nearly 60% transaction margin.

• Positioned as the market leader in new account openings and recognized as the top brand in online banking for mainstream Americans.

Financial highlights

• Q4 2025 revenue was $596 million, up 25% year-over-year; full year revenue reached $2.2 billion, up 31%.

• Q4 gross profit was $530 million (89% margin); full year gross profit was $1.9 billion (88% margin).

• Adjusted EBITDA for Q4 was $57 million (10% margin), with a 12 percentage point improvement year-over-year.

• Q4 transaction profit was $427 million (72% margin); annualized transaction profit reached $1.7 billion, up 31% year-over-year.

• ARPAM increased 5% year-over-year to $257; tenured cohorts near $400.

Outlook and guidance

• Q1 2026 revenue expected between $627M–$637M (21%–23% growth); Adjusted EBITDA $90M–$95M (14%–15% margin).

• Full-year 2026 revenue guidance: $2.63B–$2.67B (20%–22% growth); Adjusted EBITDA $380M–$400M (14%–15% margin), with incremental margin over 55%.

• Expects to achieve GAAP profitability for the full year 2026.

• Plan to add approximately 1.4 million net new actives in 2026.