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Sentiment · FY2026 Q2
As of FY2026 Q1, the Tellvest earnings-call sentiment score for Chime Financial, Inc. Class A Common Stock (CHYM) is 10/10.
Chime grew revenue 25% year-over-year, beating the high end of its guidance, and posted its first quarter of positive GAAP EPS with $53 million of GAAP net income and adjusted EBITDA margin of 18%, up 13 percentage points. Active members reached a record 10.2 million on nearly 700,000 net adds, helped by seasonal tax-refund reengagement, while credit mix climbed to nearly 25% of purchase volume and transaction margin improved to 76%. The newly launched Chime Prime premium tier and a 10x jump in MyPay transaction profit to $64 million underpinned the strength, leading management to raise full-year revenue and adjusted EBITDA guidance. Management flagged that purchase volume per active remained down on early-engagement mix and that transaction margin will normalize toward 70% to 72% for the rest of the year, but the quarter marked a clear inflection to GAAP profitability.
Scored from Chime Financial, Inc. Class A Common Stock’s FY2026 Q1 earnings call. The newest quarter is available with Tellvest Pro.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Gross margin | Op margin | Net margin | FCF |
|---|---|---|---|---|---|---|---|---|
| FY2024 Q4 | $475M | +40.6% | $-0.05 | +41.5% | — | -5.7% | -4.1% | — |
| FY2025 Q1 | $519M | +32.3% | $0.20 | -20.0% | — | 1.8% | 2.5% | $-31M |
| FY2025 Q2 | $528M | +37.5% | $-2.49 | — | — | -176.2% | -174.8% | $23M |
| FY2025 Q3 | $544M | +28.8% | $-0.15 | -148.3% | — | -11.9% | -10.1% | $23M |
| FY2025 Q4 | $596M | +25.5% | $-0.12 | -123.0% | — | -9.0% | -7.5% | $18M |
| FY2026 Q1 | $647M | +24.8% | $0.13 | -35.0% | — | 7.1% | 8.3% | $80M |
| FY2026 Q2 | $670M | +26.8% | $0.07 | +102.8% | — | 3.2% | 4.2% | $198M |