Chime Financial Inc (CHYM) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and ... [Yahoo! Finance]
Chime Financial, Inc. - Class A (CHYM)
Company Research
Source: Yahoo! Finance
This article first appeared on GuruFocus Release Date: February 25, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript Positive Points Chime Financial Inc ( NASDAQ:CHYM ) reported a 31% revenue growth in 2025, with strong operating leverage and a 12-point year-over-year improvement in adjusted EBITDA margin to 10% in Q4. The company added approximately 500,000 net new active members in Q4, bringing the total to 9.5 million. Chime Core, the company's homegrown transaction processor, has reduced transaction processing costs by an estimated 60%, supporting a long-term gross margin target of 90%. The Chime Card, a secured cashback credit card, has seen strong adoption, with over half of new members using it for over 70% of their Chime spend. MyPay, the on-demand payroll product, reached a $400 million revenue run rate in Q4 with a transaction margin of nearly 60%, and loss rates have stabilized at 1%. Negative Points
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CHYM
News
- Chime Financial (CHYM) was upgraded by KeyCorp to "strong-buy".MarketBeat
- Chime Financial (CHYM) is now covered by KeyCorp. They set an "overweight" rating on the stock.MarketBeat
- Chime Financial Expands Workplace Banking And MLS Ties To Grow Reach [Yahoo! Finance]Yahoo! Finance
- Chime Financial (CHYM) was upgraded by Keefe, Bruyette & Woods from "moderate buy" to "strong-buy".MarketBeat
- Chime Financial (CHYM) Surges 13.6% as Firm Eyes Swing to Profits This Year [Yahoo! Finance]Yahoo! Finance
CHYM
Earnings
- 2/25/26 - Beat
CHYM
Sec Filings
- 3/3/26 - Form 4
- 3/2/26 - Form 144
- 2/25/26 - Form 8-K
- CHYM's page on the SEC website