---
schema_version: "secwatch.filing_event.v1"
accession: "0001795586-26-000046"
form_type: "8-K"
ticker: "CHYM"
cik: "0001795586"
company_name: "Chime Financial, Inc."
filed_at: "2026-08-05T20:10:43+00:00"
generated_at: "2026-08-05T20:12:49.491629+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001795586-26-000046
- form_type: 8-K
- ticker: CHYM
- cik: 0001795586
- company_name: Chime Financial, Inc.
- filed_at: 2026-08-05T20:10:43+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 2.05, 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/0001795586-26-000046-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/chym-20260731.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001795586-26-000046
- JSON: https://secwatch.observer/filing/0001795586-26-000046.json
- Plain text: https://secwatch.observer/filing/0001795586-26-000046.txt

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