---
schema_version: "secwatch.filing_event.v1"
accession: "0001795586-26-000004"
form_type: "8-K"
ticker: "CHYM"
cik: "0001795586"
company_name: "Chime Financial, Inc."
filed_at: "2026-02-25T23:59:59+00:00"
generated_at: "2026-05-16T00:24:57.657146+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001795586-26-000004
- form_type: 8-K
- ticker: CHYM
- cik: 0001795586
- company_name: Chime Financial, Inc.
- filed_at: 2026-02-25T23:59:59+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/1795586/000179558626000004/0001795586-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000004/chme-20260225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001795586-26-000004
- JSON: https://secwatch.observer/filing/0001795586-26-000004.json
- Plain text: https://secwatch.observer/filing/0001795586-26-000004.txt

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