secwatch.observer — SEC 8-K summary
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Issuer:     Chime Financial, Inc. (CHYM)
CIK:        0001795586
Form:       8-K
Filed at:   2026-05-06T23:59:59+00:00
Accession:  0001795586-26-000035
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1795586/000179558626000035/0001795586-26-000035-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1795586/000179558626000035/chym-20260506.htm
  HTML page:      https://secwatch.observer/filing/0001795586-26-000035

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