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Earnings analysis · 10-Q

CHYM earnings analysis

Filed May 7, 2026 · Our reading of the company's report

The latest report

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…

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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.

Read the original on SEC.gov

Gross and operating margin

How much of each revenue dollar the business keeps.

90% Gross margin Operating margin Aug 2025 May 2026

One point per quarterly or annual filing. Both margins are shares of that report's revenue.

From revenue to operating profit

Where each $100 of revenue went in this report.

Of every $100 of revenue Cost of sales $10 Operating expenses $83 Left as operating profit $7

Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.

Where revenue came from

The business segments reported by the company.

Payments Revenue 66.8% Platform-related Revenue 33.2%

Shares of the segments disclosed in this filing, largest first.

How we read each report

Our analysis across the last few reports.

Read as bullish Read as bearish Aug 2025 May 2026

Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.

Reported figures

Earnings per share
$0.13

What stood out

  • 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.

What to watch

  • 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.

Management's outlook

Full-year revenue guidance raised; expects 22% to 23% year-over-year growth.

Earlier filings 2

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 itself. Analysis can contain errors; check the source document for full context.