secwatch.observer — SEC 8-K summary
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Issuer:     Chime Financial, Inc. (CHYM)
CIK:        0001795586
Form:       8-K
Filed at:   2026-02-25T23:59:59+00:00
Accession:  0001795586-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1795586/000179558626000004/0001795586-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1795586/000179558626000004/chme-20260225.htm
  HTML page:      https://secwatch.observer/filing/0001795586-26-000004

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