secwatch.observer — SEC 8-K summary
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Issuer:     Chime Financial, Inc. (CHYM)
CIK:        0001795586
Form:       8-K
Filed at:   2025-11-05T23:59:59+00:00
Accession:  0001795586-25-000015
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/0001795586-25-000015-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/chme-20251105.htm
  HTML page:      https://secwatch.observer/filing/0001795586-25-000015

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