Chime Tops Q3 With $718M Revenue, Third Straight GAAP Profit, Lifts Full-Year Outlook
CHYM sits 99% above its 52-week low of $15.88.
Summary
Chime reported Q3 revenue of $718 million, up 32% year over year and ahead of guidance, with $44 million in net income for its third straight GAAP-profitable quarter. The company raised its Q4 and full-year 2026 outlook.
Key Events · Earnings and Guidance · CHYM
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Q3 Revenue Beats at $718M
Revenue grew 32% year over year to $718 million, accelerating from 27% growth in Q2 and ahead of the $705 million guided in September.
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Third Straight GAAP Profitable Quarter
Net income was $44 million (6% net margin) and adjusted EBITDA was $137 million (19% margin), up 14 percentage points year over year.
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Full-Year Guidance Raised
Full-year 2026 revenue guidance raised to $2.792-$2.802 billion (28% growth) and adjusted EBITDA to $519-$524 million (~19% margin); Q4 revenue guided to $757-$767 million.
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Lending Drives Platform Revenue
Platform-related revenue grew 52% year over year to $274 million; MyPay annualized revenue exceeded $500 million and Instant Loans exceeded $115 million.
Analysis · CHYM · Finance
Chime's Q3 revenue of $718 million rose 32% year over year, accelerating from 27% in Q2 and beating the $705 million guided in September. Net income of $44 million marks the third consecutive GAAP-profitable quarter, while adjusted EBITDA of $137 million (19% margin) is up 14 percentage points year over year. Management raised full-year revenue guidance to $2.792-$2.802 billion and adjusted EBITDA to $519-$524 million, and lifted Q4 revenue to $757-$767 million. The Stride Bank acquisition remains on track to close in the first half of 2027 with more than $100 million in expected annual net after-tax synergies. Growth is being driven by lending products — MyPay annualized revenue above $500 million and Instant Loans above $115 million — which carry credit risk that investors should weigh against the margin expansion.
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At the time of this filing, CHYM was trading at $31.62 on NASDAQ in the Finance sector, with a market capitalization of approximately $11.3B. The 52-week trading range was $15.88 to $35.55. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.