Compared to Estimates, Chime Financial, Inc. (CHYM) Q4 Earnings: A Look at Key Metrics

For the quarter ended December 2025, Chime Financial, Inc. (CHYM) reported revenue of $596.36 million, representing no change compared to the same period last year. EPS came in at -$0.12, compared to $0 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $577.7 million, representing a surprise of +3.23%. The company delivered an EPS surprise of +38.99%, with the consensus EPS estimate being -$0.20.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Chime Financial, Inc. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Average Revenue per Active Member (ARPAM): $257.00 versus the four-analyst average estimate of $248.94.
• Purchase Volume: $34.4 billion versus $34.55 billion estimated by four analysts on average.
• Active Members: 9.5 million versus 9.49 million estimated by four analysts on average.
• Platform-related Revenue: $200 million versus $190.23 million estimated by six analysts on average.
• Payments Revenue: $396 million versus the six-analyst average estimate of $388.8 million.

View all Key Company Metrics for Chime Financial, Inc. here>>>

Shares of Chime Financial, Inc. have returned -19.5% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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Chime Financial, Inc. (CHYM): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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