---
schema_version: "secwatch.filing_event.v1"
accession: "0001795586-25-000004"
form_type: "8-K"
ticker: "CHYM"
cik: "0001795586"
company_name: "Chime Financial, Inc."
filed_at: "2025-08-07T23:59:59+00:00"
generated_at: "2026-05-17T18:03:59.236626+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Chime Q2 revenue $528M (+37% YoY); guides above expectations for Q3 and FY2025

## Summary
- Revenue $528M (+37% YoY); payments revenue $366M (+19%), platform-related $162M (+113%).
- Net loss $923M largely due to $928M stock-based compensation from IPO; adjusted EBITDA $16M (3% margin).
- Transaction profit (non-GAAP) $363M (69% margin); Active Members 8.7M (+23% YoY).
- Q3 2025 revenue guidance $525-535M (+24-27% YoY); FY2025 revenue $2.135-2.155B (+28-29%).
- MyPay transaction margin tripled QoQ; ChimeCore migration now covers all new debit and savings accounts.

## SEC filing metadata
- accession: 0001795586-25-000004
- form_type: 8-K
- ticker: CHYM
- cik: 0001795586
- company_name: Chime Financial, Inc.
- filed_at: 2025-08-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/0001795586-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/chme-20250807.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001795586-25-000004
- JSON: https://secwatch.observer/filing/0001795586-25-000004.json
- Plain text: https://secwatch.observer/filing/0001795586-25-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.