Chime Financial (NASDAQ:CHYM) Issues Earnings Results

Chime Financial (NASDAQ:CHYM) issued its quarterly earnings results on Wednesday. The company reported $0.11 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.09 by $0.02, FiscalAI reports. The firm had revenue of $718.00 million for the quarter. Chime Financial had a negative return on equity of 1.28% and a negative net margin of 0.74%. Chime Financial’s quarterly revenue was up 32.1% compared to the same quarter last year. During the same period last year, the firm posted ($0.15) earnings per share.

Here are the key takeaways from Chime Financial’s conference call:

• Q3 revenue rose 32% year over year to $718 million, while adjusted EBITDA increased to $137 million, or a 19% margin; Chime also reported $44 million in GAAP net income, its third consecutive profitable quarter.
• Active members grew 20% to 10.9 million, and ARPAM rose 10% to $270. Chime said Prime members generate more than twice the ARPAM of the average active member, while acquisition costs fell and lifetime value-to-CAC approached 10x.
• Lending growth accelerated: MyPay originated $5.3 billion in Q3, with losses near its 1% target, while Instant Loans reached $381 million in originations and more than $115 million in annualized revenue. Management noted that Instant Loan losses are higher for first-time borrowers, though repeat-borrower loss rates are up to 50% lower.
• Chime raised its Q4 outlook to $757 million–$767 million in revenue and $161 million–$166 million in adjusted EBITDA, and said it expects faster growth and greater profitability in coming years.
• The proposed Stride Bank acquisition is expected to close in the first half of 2027, subject to regulatory approval; Chime expects more than $100 million in annual net after-tax synergies and earnings accretion from close, with full synergies targeted within 12–18 months post-close.

Chime Financial Stock Performance

Shares of Chime Financial stock traded up $0.87 during trading hours on Thursday, reaching $30.74. The company’s stock had a trading volume of 1,629,350 shares, compared to its average volume of 5,303,954. The company has a market capitalization of $11.64 billion, a P/E ratio of -438.49 and a beta of 0.74. The stock’s fifty day simple moving average is $30.04 and its two-hundred day simple moving average is $23.85. Chime Financial has a one year low of $15.88 and a one year high of $35.55.

Analyst Upgrades and Downgrades

Several analysts have recently weighed in on CHYM shares. Zacks Research upgraded shares of Chime Financial from a “hold” rating to a “strong-buy” rating in a research note on Tuesday, August 18th. Weiss Ratings raised shares of Chime Financial from a “sell (e+)” rating to a “sell (d-)” rating in a research note on Thursday, September 3rd. KeyCorp raised their price target on shares of Chime Financial from $33.00 to $40.00 and gave the stock an “overweight” rating in a report on Wednesday, September 9th. Monness Crespi & Hardt started coverage on shares of Chime Financial in a research note on Monday, October 26th. They issued a “neutral” rating for the company. Finally, Wall Street Zen upgraded shares of Chime Financial from a “hold” rating to a “buy” rating in a report on Saturday, July 25th. Three equities research analysts have rated the stock with a Strong Buy rating, eighteen have issued a Buy rating, one has issued a Hold rating and one has assigned a Sell rating to the company. According to MarketBeat.com, the stock currently has a consensus rating of “Buy” and a consensus target price of $38.58.

Key Headlines Impacting Chime Financial

Here are the key news stories impacting Chime Financial this week:

• Positive Sentiment: Q3 revenue rose 32.1% year over year to $718 million, while earnings per share beat analysts’ $0.09 estimate. The company’s lending growth helped deliver a third consecutive GAAP-profitable quarter. Chime Financial Q3 2026 earnings
• Positive Sentiment: Management raised its annual revenue outlook, citing robust demand, and forecast fourth-quarter revenue of $757 million to $767 million—implying further growth. Reuters: Chime raises annual revenue forecast
• Neutral Sentiment: Chime is targeting a first-half 2027 close for its planned Stride transaction. The deal could create strategic opportunities, though closing and integration remain future considerations. Chime forecasts Q4 revenue and targets Stride close

Insider Activity at Chime Financial

In related news, Director Cynthia Marshall sold 20,000 shares of the company’s stock in a transaction dated Friday, September 11th. The shares were sold at an average price of $33.09, for a total value of $661,800.00. Following the sale, the director owned 28,548 shares in the company, valued at $944,653.32. This represents a 41.20% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is available at this link. Also, Director James Feuille sold 256,837 shares of the stock in a transaction that occurred on Wednesday, September 16th. The stock was sold at an average price of $32.33, for a total value of $8,303,540.21. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold a total of 16,432,912 shares of company stock valued at $541,335,425 over the last quarter. 12.30% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On Chime Financial

Several large investors have recently bought and sold shares of the stock. Lido Advisors LLC bought a new stake in Chime Financial during the third quarter worth $201,000. Keybank National Association OH purchased a new position in Chime Financial in the third quarter worth $259,000. M&G PLC purchased a new position in Chime Financial in the third quarter worth $12,014,000. AlphaCore Capital LLC bought a new position in Chime Financial in the 3rd quarter valued at $253,000. Finally, Fulcrum Asset Management LLP bought a new position in Chime Financial in the 3rd quarter valued at $592,000.

Chime Financial Company Profile

Chime Financial, Inc is a financial technology company that provides digital banking services through its Chime platform. The company offers consumer-focused spending, saving and credit products designed to be accessed primarily through mobile applications rather than traditional branch locations.

Chime’s products include spending accounts with debit cards, savings accounts, direct-deposit services, early access to qualifying paychecks, fee-free overdraft protection through SpotMe, and credit-building products.