---
schema_version: "secwatch.filing_event.v1"
accession: "0001795586-26-000035"
form_type: "8-K"
ticker: "CHYM"
cik: "0001795586"
company_name: "Chime Financial, Inc."
filed_at: "2026-05-06T23:59:59+00:00"
generated_at: "2026-05-14T22:51:30.453860+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001795586-26-000035
- form_type: 8-K
- ticker: CHYM
- cik: 0001795586
- company_name: Chime Financial, Inc.
- filed_at: 2026-05-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000035/0001795586-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000035/chym-20260506.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001795586-26-000035
- JSON: https://secwatch.observer/filing/0001795586-26-000035.json
- Plain text: https://secwatch.observer/filing/0001795586-26-000035.txt

## Source-grounded claims
- claim_id: ee3a62a4d795f4a873d683e29fc70a2402835301
  claim: Chime Financial, Inc. reported the quarter ended March 31, 2026 results: revenue $647 million, net income $53 million. Guidance raised.
  evidence_excerpt: 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. ◦
  evidence_url: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000035/0001795586-26-000035-index.htm

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