CHYM earnings analysis
What we found in CHYM's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
Chime Financial (CHYM) posted Q1 2026 results showcasing significant growth with revenue hitting $647.4 million, a 25% increase year-over-year, and earnings per share (EPS) of $0.13, exceeding estimates. The company achieved GAAP profitability for the first time since its IPO and raised its revenue guidance for the year, anticipating between $2.66 billion and $2.69 billion, reflecting robust active member growth and increased engagement in its services.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Strong Revenue Growth
- Q1 2026 revenue was $647.4 million, up 25% from $518.7 million in Q1 2025.
- EPS Exceeds Expectations
- Diluted EPS of $0.13 beat estimates of $0.03, marking a significant turnaround.
- Achieved GAAP Profitability
- First GAAP profit reported at $53.5 million, a notable improvement compared to a loss of $12.9 million in Q1 2025.
- Increased Active Members
- 10.2 million active members as of Q1 2026, up 19% from 8.6 million year-over-year.
- Improved Operational Efficiency
- Operating income improved to $46.2 million from $9.1 million in the prior year.
- Raised Full-Year Revenue Guidance
- Guidance increased to $2.66 billion - $2.69 billion for 2026, expecting 22% to 23% growth.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Increased Operating Expenses
- Total operating expenses rose to $534.2 million, up 19% from $449.2 million in Q1 2025.
- Dependence on Bank Partners
- Loss of relationships with bank partners could significantly impact operations.
- Market and Regulatory Risks
- Changes in regulations governing interchange fees and digital banking could adversely impact revenue.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.13
- Gross margin
- 90%
- Operating margin
- 7.1%
- Segment
- Payments Revenue: $432.6M (up 15% YoY)
- Segment
- Platform-related Revenue: $214.7M (up 50% YoY)
What they said about what is next.
Full-year revenue guidance raised; expects 22% to 23% year-over-year growth.
The filing reads better than the one before it.
What came before.
- 10-K · March 6, 2026
- Chime emphasizes its payments-first, member-aligned strategy built on a digital-first cost advantage and proprietary technology (ChimeCore). Recent operating performance shows improvement with Q4 revenue of $596.36M and…
- 10-Q · August 11, 2025
- Chime reported Q2 revenue of $528,149,000 (up from $384,214,000 in Q2 2024) and delivered a high gross margin of 87.3% (gross profit $461,029,000). The quarter included a massive non-cash stock‑based compensation charge…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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