Chime Financial Inc
NASDAQ:CHYM
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Chime Financial Inc
Chime Financial Inc is a US-based company operating in Financial Services industry. The company is headquartered in San Francisco, California. The company went IPO on 2025-06-12. Chime Financial, Inc. is a consumer financial technology company. The firm offers everyday Americans access to a range of products with banking services provided by its Federal Deposit Insurance Corporation (FDIC) insured bank partners. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, secured credit cards, and other mobile banking features that allow them to manage their money and pay for their everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it for free. These products include SpotMe, which is a fee-free overdraft protection product, and MyPay, which allows its members to access up to $500 of their pay on demand before payday. The company offers access to full-featured, FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A.
Chime Financial Inc is a US-based company operating in Financial Services industry. The company is headquartered in San Francisco, California. The company went IPO on 2025-06-12. Chime Financial, Inc. is a consumer financial technology company. The firm offers everyday Americans access to a range of products with banking services provided by its Federal Deposit Insurance Corporation (FDIC) insured bank partners. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, secured credit cards, and other mobile banking features that allow them to manage their money and pay for their everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it for free. These products include SpotMe, which is a fee-free overdraft protection product, and MyPay, which allows its members to access up to $500 of their pay on demand before payday. The company offers access to full-featured, FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A.
Strong Growth: Chime delivered 29% year-over-year revenue growth in Q3 and 21% growth in active members, exceeding prior guidance on both revenue and adjusted EBITDA.
Guidance Raised: Management raised Q4 and full-year revenue and adjusted EBITDA guidance, expecting continued strong results into 2026.
Profitability Improving: Adjusted EBITDA margin rose to 5%, up 9 points year-over-year, and gross margin is expected to reach close to 90% in Q4 due to the ChimeCore migration.
Product Innovation: The recently launched Chime Card is seeing high adoption, with 80% of new user spend on the card, and the MyPay product is at a $350 million run rate with over 45% transaction margin.
Cost Efficiency: Operating expenses grew just 7% year-over-year, and cost to serve is now 1/3 to 1/5 of a typical bank, boosted by ChimeCore technology and AI.
Share Repurchase: A $200 million share buyback authorization was announced, reflecting confidence in Chime's cash position and future cash flow.
Consumer Resilience: Despite macro headlines, Chime's member base shows healthy spending, higher deposit balances, and no signs of unemployment pressure.
