secwatch.observer — SEC 8-K summary
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Issuer:     Chime Financial, Inc. (CHYM)
CIK:        0001795586
Form:       8-K
Filed at:   2025-08-07T23:59:59+00:00
Accession:  0001795586-25-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/0001795586-25-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/chme-20250807.htm
  HTML page:      https://secwatch.observer/filing/0001795586-25-000004

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer