Chime Financial 2025 Q3 Earnings Narrowed Loss Per Share Amid 28.8% Revenue Growth

Chime Financial (CHYM) reported fiscal 2025 Q3 earnings on Nov 10th, 2025, surpassing guidance and raising its full-year revenue outlook. Despite a 148.4% increase in net loss year-over-year, the company narrowed its per-share loss by 55.9%, signaling progress in cost management.

Revenue

Chime Financial’s total revenue surged 28.8% to $543.52 million in 2025 Q3, driven by robust performance across segments. Payments revenue led the charge with $363.16 million, while platform-related revenue added $180.36 million, bringing total revenue to $543.52 million. The 16% growth in payments and 65% increase in platform-related revenue underscored the company’s diversified revenue streams.

Earnings/Net Income

Chime Financial narrowed its per-share loss to $0.15 in 2025 Q3 from $0.34 in 2024 Q3, reflecting improved efficiency. However, the net loss expanded to $54.72 million, a 148.4% increase from $22.03 million in the prior year, driven by higher operating expenses. While the EPS loss narrowed, the net loss highlighted ongoing challenges in achieving profitability.

Price Action

The stock price of Chime Financial surged 19.14% during the most recent full trading week, climbing 3.35% on the latest trading day. However, it edged down 0.07% month-to-date, reflecting mixed investor sentiment amid strong revenue growth and widening losses.

Post-Earnings Price Action Review

The stock’s post-earnings trajectory reflected optimism around Chime’s revenue momentum and guidance upgrades, despite concerns over its net loss expansion. Investors appeared to prioritize the company’s 28.8% revenue growth and 21% increase in active members, which reached 9.1 million, over short-term profitability challenges. The 18.46% weekly rally underscored confidence in Chime’s ability to scale its platform and improve margins, though the modest month-to-date decline suggested lingering caution about its path to sustained profitability.

CEO Commentary

Chime Financial CEO Chris Britt emphasized the company’s “outstanding quarter,” highlighting 29% year-over-year revenue growth and 21% active member growth as evidence of its model’s strength. Strategic priorities included expanding the Chime Card rollout, scaling the Outbound Instant Transfer (OIT) feature, and migrating to the proprietary ChimeCore platform. Britt expressed cautious optimism, noting that these initiatives would drive long-term value despite current net losses.

Guidance

Chime Financial raised its full-year 2025 revenue guidance to $2.163–$2.173 billion from $2.135–$2.155 billion, reflecting stronger-than-expected performance. For Q4 2025, the company projected revenue of $572–$582 million, with adjusted EBITDA expected to reach $43–$48 million. These updates underscore confidence in sustaining revenue growth while improving operational efficiency.

Additional News

Chime Financial announced a $200 million share repurchase program, signaling board confidence in its valuation. The company also completed a full migration to its proprietary ChimeCore processing platform, enhancing operational flexibility. Additionally, the rollout of the Chime Card in September and the expansion of OIT to $640 million in volume highlighted progress in product innovation.