Chime Financial's Q3 revenue beats after adding record number of new members
CHYM•Chime Financial's third-quarter revenue rose 32% year over year to $718.001 million, beating analyst estimates, as it added 500,000 Active Members during the quarter. The company reported $43.72 million in net income and raised its Q4 and full-year 2026 revenue forecasts.
1. Revenue and members
Chime Financial's third-quarter revenue rose 32% year over year to $718.001 million, above the $700.46 million analyst consensus. The company added 500,000 Active Members quarter over quarter and reported record net additions of 1.8 million over the past year.
2. Profit and outlook
Chime recorded its third consecutive quarter of GAAP profitability, with net income of $43.72 million. Income from operations was $34.32 million, below the $46.81 million analyst estimate. The company raised its Q4 revenue outlook to $757 million-$767 million and its full-year 2026 forecast to $2.792 billion-$2.802 billion.
3. Growth drivers
Chime said scaling MyPay and Instant Loans drove 52% year-over-year growth in platform-related revenue. It said Prime members generate more than double the average revenue per Active Member and that credit rose to 29% of purchase volume.
