NASDAQ$CHYM
Chime Financial Inc · Q1 2026 earnings
Q1 2026 earnings ·
Briefing
Chime Financial reported Q1 2026 total revenue of $647.4M and net income of $53.5M ($0.13 diluted EPS).
Chime posted Q1 2026 total revenue of $647.4 million (+25% YoY), including payments revenue of $432.6 million, and net income of $53.5 million, or $0.13 diluted EPS. The neobank grew members and interchange-driven payments revenue while investing in platform and MyPay products.
- Total revenue $647.4M (+25% YoY).
- Payments revenue $432.6M.
- Net income $53.5M; diluted EPS $0.13.
- Platform-related revenue $214.7M.
- Member growth and primary account adoption.
Headline financials
Revenue & EPS history
Chime Financial Inc · Revenue · Quarterly
$647M
Forward guidance
Fintech discusses member growth, unit economics, and credit products; no traditional quarterly EPS guide.
Tailwinds
- Strong revenue growth and GAAP profitability.
- Payments/interchange scale.
Headwinds
- Competitive neobank and bank-partner landscape.
- Credit and fraud loss normalization risk.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 4 quarterly earnings reports · overlaid with Q1 2026
+2.5%
Avg return
Earnings day
-3.6%
Avg return
5 days after
-7.1%
Avg return
30 days after
75%
3 / 4 earnings
Positive
+13.5%
Q4 2025
Best reaction
-12.6%
Q1 2026
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -12.6% | -16.8% | -19.7% | |
| Q4 2025 | +13.5% | +7.9% | -19.5% | |
| Q3 2025 | +4.5% | -7.1% | +30.3% | |
| Q2 2025 | +4.6% | +1.7% | -19.5% |
Discussion
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