The combination of strong revenue growth, margin expansion, and accelerated path to profitability suggests Chime's business model is gaining traction. Traders should monitor execution on 2026 guidance, particularly the ability to maintain high growth while improving profitability through its ChimeCore platform and MyPay product scaling.
Price Chart
Executive Summary
Chime reported strong financial results for Q4 and full year 2025, with 31% year-over-year revenue growth, significant margin expansion, and guidance for GAAP profitability in 2026. The company highlighted scaling of its MyPay product, improved unit economics, and strong adoption of its Chime Card, all supported by its new ChimeCore technology platform.
Key Financial Metrics
Key Facts
- Revenue grew 31% YoY to $2.2 billion in full year 2025, exceeding guidance
- Adjusted EBITDA margin improved to 6% in 2025, up 6 percentage points YoY
- Company expects to achieve GAAP profitability in 2026, ahead of prior expectations
- MyPay scaled to over $400 million in annualized revenue run rate with 1% loss rate
- Active Members grew 19% YoY to 9.5 million; ARPAM increased 5% to $257
- Guidance for 2026: revenue of $2.63-$2.67 billion (20-22% growth), Adjusted EBITDA of $380-$400 million
Financial Impact
Revenue growth of $677 million YoY ($2.2B in 2025 vs $1.67B in 2024) with expanding margins and path to GAAP profitability in 2026
Segment Breakdown
| Segment | Revenue | Growth |
|---|---|---|
| Payments | $1.5B | +18.0% |
| Platform-related | $686.0M | +73.0% |
Risk Factors
- Net loss of $1 billion in 2025 was primarily driven by $928 million in stock-based compensation related to IPO
- Forward-looking statements about 2026 profitability are subject to risks including member acquisition costs and regulatory changes
- Heavy reliance on non-GAAP metrics (Adjusted EBITDA) for performance assessment
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001795586-26-000004 |
| Document: chme-20260225.htm | 0001795586-26-000004 |
| Document: 0001795586-26-000004-index-headers.html | 0001795586-26-000004 |
| Document: 0001795586-26-000004-index.html | 0001795586-26-000004 |
| Document: 0001795586-26-000004.txt | 0001795586-26-000004 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 16, 2026 16d ago | Insider Cluster | $31.25 $26.46 | ▼ −15.33% | ▼ −17.89% | $27.25 (−12.80%) |
Sep 15, 2026 17d ago | Insider Cluster | $33.61 $30.33 | ▲ +9.76% | ▲ +10.58% | $27.25 (+18.92%) |
Sep 15, 2026 17d ago | Insider Cluster | $33.61 $28.62 | ▲ +14.85% | ▲ +16.97% | $27.25 (+18.92%) |
Sep 15, 2026 17d ago | Insider Cluster | $33.61 $28.62 | ▲ +14.85% | ▲ +16.97% | $27.25 (+18.92%) |
Sep 14, 2026 18d ago | Insider Cluster | $33.61 $28.62 | ▲ +14.85% | ▲ +16.97% | $27.25 (+18.92%) |
Sep 11, 2026 21d ago | Insider Cluster | $33.00 $30.33 | ▼ −8.09% | ▼ −7.87% | $27.25 (−17.42%) |
Sep 10, 2026 21d ago | Insider Cluster | $33.00 $30.33 | ▼ −8.09% | ▼ −7.87% | $27.25 (−17.42%) |
Sep 10, 2026 21d ago | 144 | $33.00 $30.33 | ▲ +8.09% | ▲ +7.87% | $27.25 (+17.42%) |
Sep 9, 2026 23d ago | Insider Cluster | $32.67 $30.72 | ▲ +5.97% | ▲ +5.47% | $27.25 (+16.59%) |
Sep 3, 2026 28d ago | Insider Cluster | $33.76 $33.97 | ▲ +0.62% | ▲ +1.83% | $27.25 (−19.28%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Try SecBot Free Coming soon: SecBot Pro with alerts, watchlists, and API access