Chime Q1 revenue $647M (+25% YoY), first GAAP profit; raises FY guidance, adds $200M buyback

Chime Financial, Inc.

2026-Q1 EPS reported $0.13 revenue$647,387,000

Revenue $647M (+25% YoY), net income $53M (8% margin), first GAAP profitable quarter as public company.
Adjusted EBITDA $119M, 18% margin (+13pp YoY), 73% incremental margin.
Active Members 10.2M (+19% YoY); MyPay annualized revenue >$400M; Chime Card credit share ~25%.
Board approved additional $200M share repurchase authorization; completed prior buyback.
Raises FY2026 revenue guidance to $2.66-2.69B, adjusted EBITDA $416-431M, ~60% incremental margin.

item 2.02 item 8.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

Chime Financial, Inc. reported the quarter ended March 31, 2026 results: revenue $647 million, net income $53 million. Guidance raised.

Period: the quarter ended March 31, 2026
Revenue: $647 million
Net income: $53 million
Guidance: raised
Result: reported results

Exact text from the filing

first quarter, exceeding our guidance and reflecting disciplined execution. In addition, Q1 benefits from the seasonal tailwind from tax refund-related activity. • Revenue was $647 million, up 25% year-over-year. ◦ Payments revenue grew 15% year-over-year to $433 million, and 19% year-over-year when combined with Outbound Instant Transfer (OIT) revenue. ◦

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Source: SEC EDGAR

accession 0001795586-26-000035

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