NASDAQ$CHYM
Chime Financial Inc · Q2 2026 earnings
Q2 2026 earnings · · After market close
Briefing
Chime Financial Inc reported strong Q2 2026 results with revenue growth exceeding guidance and a second consecutive quarter of GAAP profitability.
Chime reported revenue of $670 million for the quarter ended June 30, 2026, representing 27% year-over-year growth. The company achieved net income of $28 million and adjusted EBITDA of $102 million, while active members grew 20% to 10.4 million. Chime also raised its full-year 2026 outlook and announced a CFO transition.
- Revenue reached $670 million, up 27% YoY, with payments revenue at $430 million and platform-related at $240 million.
- Achieved second consecutive quarter of GAAP profitability with $28 million net income and $0.07 EPS.
- Active members grew to 10.4 million (up 20% YoY) and ARPAM increased 6% to $260.
- Raised full-year 2026 revenue guidance to $2.725–$2.745 billion and adjusted EBITDA to $465–$475 million.
Headline financials
Revenue & EPS history
Chime Financial Inc · Revenue · Quarterly
$670M
Revenue by segment
Chime Financial Inc · $670M total across 2 segments · Q2 2026
- Payments revenue$430M—64.2%
- Platform-related revenue$240M—35.8%
Forward guidance
Chime raised full-year 2026 guidance and provided Q3 outlook following strong Q2 performance.
Tailwinds
- Full-year revenue guidance raised to $2.725–$2.745 billion (25-26% YoY growth)
- Full-year adjusted EBITDA guidance raised to $465–$475 million (17% margin)
- Q3 revenue expected $680–$690 million (25-27% YoY growth)
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 4 quarterly earnings reports
+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 |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| 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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