Chime Financial Q2 revenue beats estimates, outlook raised
CHYM•Result drivers
- Chime Prime launch - Launch of Chime Prime membership tier fueled acceleration in Active Member, Purchase Volume, and ARPAM growth
- Higher-income member engagement - Increased deposits and engagement from higher-income members boosted purchase volume and payments revenue
- Product expansion - New offerings like Chime Invest and growth in MyPay and Instant Loans supported platform-related revenue growth
Updated outlook
- Chime raises 2026 revenue outlook to $2.725-$2.745 bln, up 25-26% year over year
- Company expects 2026 adjusted EBITDA of $465-$475 mln, with 17% adjusted EBITDA margin
- Chime sees Q3 revenue between $680 mln and $690 mln; adjusted EBITDA $105-$110 mln
Quarterly results
- US fintech platform's Q2 revenue rose 27% yr/yr, beating analyst expectations
- Company posted second straight quarter of GAAP profitability with $28 mln net income
- Chime raised full-year 2026 revenue and adjusted EBITDA outlook
