Chime Financial Climbs 13.6% on 2026 Profit Forecast, Revenue Guidance
Chime Financial shares rose 13.6% after the company forecast its first GAAP net income in 2026 with revenue of $2.63–2.67 B and adjusted EBITDA of $380–400 M (14–15% margin). Q1 guidance targets 21–23% revenue growth to $627–637 M and adjusted EBITDA of $90–95 M at a 14–15% margin.
1. Stock Reaction
Chime Financial shares surged 13.6% following the release of its 2026 profit forecast, reflecting investor enthusiasm for the company’s anticipated return to GAAP net income. The rally extended a three-day winning streak and outpaced broader market gains.
2. 2026 Profitability Forecast
The company expects to achieve GAAP net income profitability in 2026, projecting revenue between $2.63 billion and $2.67 billion and adjusted EBITDA of $380 million to $400 million, implying a 14–15% margin. This marks a significant turnaround after a $1 billion net loss in 2025.
3. Q1 and Full-Year Guidance Details
For the first quarter of 2026, Chime targets 21–23% revenue growth to $627–637 million and adjusted EBITDA of $90–95 million with a 14–15% margin. Management cited broad adoption of the Chime Card product—over 50% among new members—as a key driver of higher take rates.
4. Q4 2025 Performance and Drivers
Chime reported Q4 2025 revenue of $596 million, up 25% year-over-year, while net loss widened to $44.8 million due to elevated stock-based compensation expenses. Revenue expansion outpaced losses, setting the stage for the company’s optimistic outlook.