Chime Financial Inc · Q4 2025 earnings

Briefing

Chime reported Q4 2025 revenue of $596 million, up 25% year over year, with a net loss of $45 million and adjusted EBITDA of $57 million.

Chime delivered Q4 2025 revenue of $596 million (+25% YoY) with gross profit of $530 million (89% margin) and transaction profit of $427 million (+31% YoY). The company reported a Q4 net loss of $45 million and adjusted EBITDA of $57 million (10% margin, +12 points YoY). Active Members grew 19% to 9.5 million and ARPAM rose 5% to $257. Full-year 2025 revenue reached $2.2 billion (+31% YoY); management expects 2026 to be its first full year of GAAP net income profitability.

• Q4 revenue $596M (+25% YoY); platform-related revenue $200M (+47% YoY) on MyPay adoption.
• Adjusted EBITDA $57M with 57% incremental margin; Active Members 9.5M (+19% YoY).
• MyPay scaled to $400M+ annualized revenue run rate with ~1% loss rate after one year.
• ChimeCore migration completed; expects GAAP profitability in 2026 ahead of prior internal plan.

Headline financials

Revenue & EPS history

For Q1 2026, Chime guides revenue of $627–637 million (+21–23% YoY) and adjusted EBITDA of $90–95 million (14–15% margin). Full-year 2026 revenue is expected at $2.63–2.67 billion (+20–22% YoY) with adjusted EBITDA of $380–400 million.