Chime Financial 2025 Q3 Earnings Beats Guidance with 29% Revenue Growth and 55.9% EPS Loss Improvement

Chime Financial (CHYM) reported its fiscal 2025 Q3 earnings on Nov 10, 2025, delivering stronger-than-expected revenue growth and narrowing its per-share loss. The company raised its full-year revenue guidance to $2.173 billion, citing robust user growth and expanded product offerings. Despite a widened net loss, investors responded positively, sending the stock up 18.46% for the week.

Revenue

Chime’s total revenue surged 28.8% year-over-year to $543.52 million in Q3 2025, driven by a 16% increase in payments revenue to $363.16 million and a 65% jump in platform-related revenue to $180.36 million. The payments segment, fueled by higher transaction volumes and digital banking adoption, outperformed expectations, while platform-related revenue benefited from expanded services like MyPay and credit offerings.

Earnings/Net Income

The company reduced its per-share loss to $0.15 in Q3 2025, a 55.9% improvement from $0.34 in the prior-year period. However, its net loss widened to $54.72 million, up 148.4% from $22.03 million in 2024 Q3, due to higher operating expenses and risk costs. While the EPS loss showed progress, the net loss expansion highlights ongoing challenges in balancing growth investments with profitability.

Price Action

Following the earnings release, Chime’s stock surged 18.46% for the week, reflecting optimism around its raised guidance and operational momentum. However, the stock edged down 0.07% month-to-date as investors weighed concerns over sustained net losses. The rally aligned with broader investor sentiment, as the company’s full-year revenue outlook now targets $2.173 billion, up from previous guidance.

Post-Earnings Price Action Review

Chime’s stock experienced a sharp post-earnings rebound, with a 3.35% gain on the day of the report and a 18.46% weekly surge. The rally coincided with the company’s raised revenue guidance and positive commentary on active member growth, which reached 9.1 million—a 21% increase year-over-year. While short-term volatility persisted, the stock’s performance underscored investor confidence in Chime’s ability to scale its platform and improve margins despite ongoing losses.

CEO Commentary

CEO Brandon Krieg emphasized the company’s focus on user growth, infrastructure scaling, and cost optimization. He noted that Q3 revenue growth reflected strong adoption of digital banking and transaction volumes but acknowledged the need to align expenses with long-term profitability goals. Strategic priorities include expanding to 50 million active users while refining fraud prevention and customer acquisition strategies.

Guidance

Chime raised its FY2025 revenue guidance to $2.163–$2.173 billion, up from $2.135–$2.155 billion, and projected Q4 revenue of $572–$582 million. The company aims to reduce net losses through operational efficiency but provided no specific EPS targets. Forward-looking priorities include expanding credit offerings, enhancing platform features, and maintaining a customer-centric approach to drive long-term value.

Additional News

Chime announced a $200 million share repurchase program and successfully rolled out the Chime Card in September 2025, expanding its Outbound Instant Transfer (OIT) feature to $640 million in volume. Additionally, the company completed its migration to ChimeCore, a proprietary processing platform, enhancing scalability and operational efficiency. These moves, coupled with a 21% active member growth, reinforced investor confidence in Chime’s ability to execute its growth strategy.