CHYM
Chime Financial, Inc.25.27
+0.65+2.64%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Q&A details MyPay, loans scaling
Q&A largely reaffirmed the prepared remarks' upbeat tone on cohort quality and product tailwinds, with management emphasizing steady execution on top-of-funnel widening amid resilient consumer trends. Nuances emerged on MyPay's new variable pricing boosting yields while losses may flex above 1% to expand access and maximize transaction profit. Instant Loans drew praise as Chime's highest-NPS product, with repeat borrowers showing 50% lower losses and scaling accretive to margins in 2026. Enterprise channel members retain better than DTC cohorts. CAC fell 10% YoY, lifting LTV/CAC over 8x. Investors will watch MyPay optimization and premium tier uptake. Q&A added operational color, no walk-backs.
Key Stats
Market Cap
9.47BP/E (TTM)
-Basic EPS (TTM)
-2.63Dividend Yield
0%Recent Filings
10-K
FY2025 results
Chime Financial grew Active Members to 9.5 million as of December 31, 2025, up 19% y/y, driving Purchase Volume to $133.7B (16% y/y) and revenue to $2.19B (31% y/y), with payments up 18% and platform-related revenue surging 73% on MyPay and outbound transfers. Yet net loss widened to $1.01B from $25M, fueled by $1.09B stock comp on IPO liquidity vesting. Q4 momentum shone in ARPAM rising to $257 (5% y/y) amid ChimeCore rollout. Balance sheet strengthened post-IPO with $1.05B cash/securities; $475M revolver untapped. Share repurchases hit $78M of $200M authorization. Regulatory shifts threaten bank partnerships.
8-K
Chime's 31% revenue surge
8-K
Troughton named Chime President
Chime Financial appointed Mark Troughton as President effective December 8, 2025, promoting him from COO since 2019. Troughton brings deep fintech experience from Ring, Whisper, Wonga, and Green Dot. His base salary rises to $525,000, plus 80,000 RSUs and 160,000 stock options vesting over four years. Smooth internal transition.
10-Q
Q3 FY2025 results
Chime Financial crushed Q3 with revenue jumping 29% y/y to $543.5M on 15% higher purchase volume, while gross margins held steady at 87%. Platform revenue exploded 65% y/y from MyPay scaling, yet transaction losses rose 76% y/y to $97.1M as liquidity products grew—net loss widened to $54.7M ($0.15/share) from $22.0M ($0.34/share, fewer shares). Cash swelled to $445.0M plus $633.7M marketable securities; $475M revolver undrawn ($443.6M available). IPO closed June 2025 for $770.6M net proceeds. ChimeCore migration complete Nov 4, 2025, with $32.7M Q4 hit; $200M buyback authorized. Bank partner concentration risks loom large.
8-K
Q3 beat, $200M buyback