Chime Financial (CHYM) Q3 2026 earnings summary

Executive summary

• Q3 revenue grew 32% YoY to $718.0M; adjusted EBITDA was $137.3M at a 19% margin, and GAAP net income was $43.7M, marking a third consecutive profitable quarter.

• Active Members reached 10.9M, up 20% YoY; trailing-12-month net additions were a record 1.8M.

• Higher member engagement, product adoption, and transaction-margin expansion supported raised Q4 and FY2026 guidance.

Financial highlights

• Revenue was $718.0M, up 32% YoY; gross profit increased 36% to $646M, with gross margin of 90%.

• Transaction profit rose 41% YoY to $530.5M; transaction margin expanded 5pp to 74%.

• Adjusted EBITDA was $137.3M versus $28.8M a year ago; margin was 19% versus 5%. GAAP net income was $43.7M, with a 6% net margin.

• Non-GAAP OpEx increased 13% YoY to $396M, while OpEx declined 10pp to 55% of revenue.

• Operating income was $34.3M versus an operating loss of $64.7M a year ago; diluted EPS was $0.11 versus a loss of $0.15.

Outlook and guidance

• FY2026 revenue guidance increased to $2.792B–$2.802B, implying 28% YoY growth, from $2.76B–$2.77B.

• FY2026 adjusted EBITDA guidance rose to $519M–$524M from $481M–$489M; margin outlook is 19%, with 65% incremental margin.

• Q4 revenue guidance is $757M–$767M, up 27%–29% YoY; adjusted EBITDA guidance is $161M–$166M at a 21%–22% margin.

• FY2026 outlook excludes Stride results; the acquisition is expected to close in H1 2027, subject to regulatory approval.

• Management expects faster growth and higher profitability in coming years; incremental margins are expected to exceed historical levels, but not remain in the 60s.