Chime Financial beats Q4 revenue estimates

Chime Financial

25/02/2026 21:22

Overview

Financial technology firm's Q4 revenue rose 25% yr/yr, beating analyst expectations

Adjusted EPS for Q4 beat analyst expectations

Company reported 19% yr/yr growth in active members to 9.5 mln

Outlook

Chime expects Q1 2026 revenue between $627 mln and $637 mln

Company anticipates full-year 2026 revenue between $2.63 bln and $2.67 bln

Chime expects to achieve GAAP profitability in 2026

Result Drivers

CHIMECORE MIGRATION - Full migration to ChimeCore technology reduced transaction processing costs by 60%, enhancing product development and innovation

MY PAY SCALING - MyPay product scaled to over $400 mln in annualized revenue with a 1% loss rate, exceeding initial targets

AI INTEGRATION - AI integration reduced cost to serve by 30% and increased ARPAM by 23%, enhancing operational efficiency and customer satisfaction

Company press release: ID:nBwbcNPNla

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Beat
$596.36 mln
$577.68 mln (12 Analysts)
Q4 EPS
Beat
-$0.12
-$0.15 (9 Analysts)
Q4 Net Income
-$44.78 mln
Q4 Income from Operations
Miss
-$53.77 mln
-$18.25 mln (7 Analysts)
Q4 Gross Profit
$530.25 mln
Q4 Pretax Profit
-$44.73 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 12 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the financial technology (fintech) peer group is "buy"

Wall Street's median 12-month price target for Chime Financial Inc is $34.00, about 66.4% above its February 24 closing price of $20.43

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)