Chime Q2 revenue $670M (+27% YoY), GAAP net income $28M; raises FY outlook; cuts 10% staff; CFO departs

Chime Financial, Inc.

Revenue $670M (+27% YoY); GAAP net income $28M (4% margin); second consecutive profitable quarter.
Active Members 10.4M (+20% YoY); ARPAM $260 (+6%); PV $38B (+17% YoY).
MyPay transaction profit $73M (more than tripled); Instant Loans originations $300M (+70% QoQ).
Raised FY2026 revenue guidance to $2.725-2.745B (25-26% growth); Q3 revenue guidance $680-690M.
Announced 10% workforce reduction ($16-20M cash charges); CFO Newcomb steps down, Troughton interim CFO.

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