Revenue: As of FY2026 Q1, the actual value is USD 647.39 M, beating the estimate of USD 636.24 M.EPS: As of FY2026 Q1, the actual value is USD 0.13, beating the estimate of USD 0.0323.Chime Financial, Inc. operates as a single reportable segment, with its financial performance for the three months ended March 31, 2026, showing significant growth compared to the same period in 2025 .<h4>Segment Revenue</h4><ul><li>Total Revenue increased by 25% to $647,387 thousand in 2026 from $518,744 thousand in 2025 .</li><li>Payments Revenue rose by 15% to $432,644 thousand in 2026 from $375,312 thousand in 2025, primarily due to a 54% increase in interchange-based fees from credit card transactions .</li><li>Platform-Related Revenue grew by 50% to $214,743 thousand in 2026 from $143,432 thousand in 2025, driven by a $39.5 million increase from MyPay due to a new variable pricing plan and increased transaction volume, a $15.5 million increase in outbound instant transfer fees, and $14.1 million in Instant Loan revenue .</li></ul><h4>Operational Metrics</h4><ul><li>Total Cost of Revenue increased by 11% to $67,074 thousand in 2026 from $60,418 thousand in 2025, mainly due to a $12.2 million rise in card and ATM network expenses, net of incentives, partially offset by a $5.5 million decrease in transaction processing and bank partner costs .</li><li>Gross Profit was $580,313 thousand in 2026, up from $458,326 thousand in 2025, leading to a Gross Margin of 90% in 2026, compared to 88% in 2025 .</li><li>Total Operating Expenses increased by 19% to $534,150 thousand in 2026 from $449,189 thousand in 2025 .<ul><li>Transaction and Risk Losses decreased by -19% to $88,905 thousand in 2026 from $109,145 thousand in 2025 .</li><li>Member Support and Operations increased by 21% to $95,399 thousand in 2026 from $78,609 thousand in 2025 .</li><li>Sales and Marketing increased by 25% to $165,431 thousand in 2026 from $132,573 thousand in 2025 .</li><li>Technology and Development increased by 41% to $109,780 thousand in 2026 from $77,882 thousand in 2025 .</li><li>General and Administrative increased by 49% to $70,467 thousand in 2026 from $47,173 thousand in 2025 .</li><li>Depreciation and Amortization (operating expense) increased by 9% to $4,168 thousand in 2026 from $3,807 thousand in 2025 .</li></ul></li><li>Income from Operations was $46,163 thousand in 2026, compared to $9,137 thousand in 2025 .</li><li>Other Income, Net increased by 45% to $7,748 thousand in 2026 from $5,354 thousand in 2025 .</li><li>Provision for Income Taxes was $455 thousand in 2026, compared to $1,552 thousand in 2025 .</li><li>Net Income was $53,456 thousand in 2026, compared to $12,939 thousand in 2025 .</li><li>Net Income Attributable to Common Stockholders was $53,456 thousand in 2026, compared to $0 thousand in 2025 .</li></ul><h4>Unique Metrics</h4><ul><li>Purchase Volume increased to $38,709 million in 2026 from $34,540 million in 2025 .</li><li>Active Members grew to 10.2 million as of March 31, 2026, from 8.6 million as of March 31, 2025, a 19% increase .</li><li>Average Revenue per Active Member (ARPAM) was $263 in 2026, up from $251 in 2025 .</li><li>Transaction Profit increased to $491,408 thousand in 2026 from $349,181 thousand in 2025, with Transaction Margin rising to 76% in 2026 from 67% in 2025 .</li><li>Adjusted EBITDA increased to $118,644 thousand in 2026 from $25,091 thousand in 2025, resulting in an Adjusted EBITDA Margin of 18% in 2026, up from 5% in 2025 .</li><li>Unrecognized Stock-Based Compensation Expense was $626.0 million as of March 31, 2026, expected to be recognized over a weighted average period of 3.17 years .</li><li>Fully Diluted Share Count was 445,487,672 as of March 31, 2026 .</li></ul><h4>Cash Flow</h4><ul><li>Cash Flows Provided by Operating Activities was $87,479 thousand in 2026, compared to cash used in operating activities of -$25,751 thousand in 2025, an increase of $113.2 million primarily from changes in working capital and increased net income .</li><li>Cash Flows Provided by Investing Activities was $127,305 thousand in 2026, compared to $6,701 thousand in 2025, primarily driven by repayments of loans held for investment and proceeds from maturities of marketable securities, offset by purchases of loans held for investment .</li><li>Cash Flows Used in Financing Activities was -$73,357 thousand in 2026, primarily due to -$85,740 thousand from repurchases of common stock, partially offset by $13,923 thousand in proceeds from stock option exercises .</li></ul><h4>Outlook and Strategy</h4>Chime Financial, Inc. expects its cost of revenue and transaction and risk losses to fluctuate in the near term and increase in the long term in absolute dollars, while stabilizing or fluctuating as a percentage of revenue . Operating expenses such as member support, sales and marketing, technology and development, and general and administrative are anticipated to increase in absolute dollars but decrease as a percentage of revenue in the long term due to scaling and operational efficiencies, including AI and automation . The company’s board of directors approved an additional share repurchase authorization of up to $200.0 million of its Class A common stock in May 2026, and the company believes its current cash, cash equivalents, and marketable securities will be sufficient to meet working capital needs for at least the next twelve months .

Chime Financial | 10-Q: FY2026 Q1 Revenue Beats Estimate at USD 647.39 M