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Dec 31, 2025
Chime Financial Inc Q4 2025 Earnings Report
Chime Financial Inc reported its fourth quarter 2025 financial results, highlighting 25% revenue growth and significant margin expansion.
Key Takeaways
Chime delivered a strong Q4 2025 with revenue of $596 million, driven by the scaling of MyPay and the migration to its proprietary ChimeCore platform. While the company reported a net loss of $45 million for the quarter, it achieved a positive Adjusted EBITDA of $57 million and expects to reach full-year GAAP profitability in 2026.
Quarterly revenue grew 25% year-over-year to $596 million, exceeding company guidance.
Completed migration to ChimeCore, a proprietary technology stack expected to reduce processing costs by 60%.
Active Members grew 19% year-over-year to 9.5 million, with ARPAM increasing to $257.
MyPay scaled to over $400 million in annualized revenue run rate with a 1% steady-state loss rate.
Revenue by Segment
Forward Guidance
Chime expects continued top-line growth and margin expansion in 2026, targeting its first full year of GAAP net income profitability.
Positive Outlook
- Expected Q1 2026 revenue between $627 million and $637 million.
- Full year 2026 revenue guidance of $2.63 billion to $2.67 billion.
- Anticipated 2026 Adjusted EBITDA between $380 million and $400 million.
- Expected GAAP net income profitability for the full year 2026.
- Incremental Adjusted EBITDA margin expected to exceed 55%.
Challenges Ahead
- Potential variability in stock-based compensation impacting GAAP results.
- Ongoing risks related to bank partner relationships.
- Exposure to changes in interchange fee rules and regulations.
- Highly competitive environment in the financial services sector.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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