Chime Q4 revenue $596M (+25% YoY); expects first GAAP profit in 2026

Chime Financial, Inc.

2025-FY EPS reported -$4.27 revenue$2,186,770,000

Q4 revenue $596M (+25% YoY); net loss $45M; adjusted EBITDA $57M (10% margin), up 12ppt YoY.
FY 2025 revenue $2.2B (+31% YoY); net loss $1B (including $928M stock-based comp from IPO); adj. EBITDA $127M.
Guides Q1'26 revenue $627-637M (+21-23% YoY) and FY'26 revenue $2.63-2.67B (+20-22% YoY).
MyPay scaled to >$400M annualized revenue run rate; 1% loss rate achieved; ChimeCore cuts transaction costs ~60%.
Active Members rose 19% YoY to 9.5M; ARPAM $257 (+5%); purchase volume $34.4B (+13%) in Q4.

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