---
schema_version: "secwatch.filing_event.v1"
accession: "0001795586-25-000015"
form_type: "8-K"
ticker: "CHYM"
cik: "0001795586"
company_name: "Chime Financial, Inc."
filed_at: "2025-11-05T23:59:59+00:00"
generated_at: "2026-05-17T00:22:21.746923+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Chime Q3 revenue up 29% YoY to $544M; raises FY2025 outlook, authorizes $200M buyback

## Summary
- Revenue $544M (+29% YoY), net loss $55M; Adjusted EBITDA $29M (5% margin, +9pp YoY).
- Active Members 9.1M (+21% YoY); acquisition cost per new member fell >10% for 3rd consecutive quarter.
- MyPay transaction margin >45%; OIT volume $640M in Q3.
- Q4 revenue guidance $572-582M; FY2025 revenue outlook raised to $2.163-2.173B.
- Board authorized $200M share repurchase program, reflecting confidence in financial strength.

## SEC filing metadata
- accession: 0001795586-25-000015
- form_type: 8-K
- ticker: CHYM
- cik: 0001795586
- company_name: Chime Financial, Inc.
- filed_at: 2025-11-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/0001795586-25-000015-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/chme-20251105.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001795586-25-000015
- JSON: https://secwatch.observer/filing/0001795586-25-000015.json
- Plain text: https://secwatch.observer/filing/0001795586-25-000015.txt

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