What were the key takeaways from Chime Financial's earnings call?

What is Chime Financial's gross profit margin?

What is the revenue and EPS growth rate for Chime Financial year over year?

What is Chime Financial's latest dividend and current dividend yield?

What does Chime Financial do and what are its main business segments?

What guidance did Chime Financial's management provide for the next earnings period?

What were the key takeaways from Chime Financial’s earnings call?

What is the market's earnings forecast for Chime Financial next quarter?

- **Revenue Surge**: 29% YoY growth to $520M, fueled by 21% active member expansion to 9.1M.
- **Profitability Boost**: EBITDA margin jumps to 5% (vs. -4% 2023), with MyPay at 45% transaction margin.
- **Product Momentum**: Chime Card adoption drives 175bps interchange, OIT volume surges 4x YoY with 1.75% fee.
- **Strategic Repurchase**: $200M buyback announced amid strong cash flow and 2026 EBITDA margin >55%.
- **Market Leadership**: #1 U.S. banking brand by consumer ranking, with 41% unaided awareness in online banking.

**【CEO Summary Section】**
- **Revenue Growth**: 29% year-over-year (YoY) to $520 million, exceeding expectations, with 21% YoY active member growth to 9.1 million.
- **Product Innovations**: Launched Chime Card (1.5% cash back on essential spend) and enhanced MyPay (now $350M annual run rate, 45% transaction margin). Chime Core migration completed, enabling 90% gross margin in Q4.
- **Market Leadership**: #1 U.S. banking brand by consumer ranking, with 41% unaided awareness in online banking, surpassing major banks.
- **Strategic Moves**: Announced $200M share repurchase and new premium membership tiers for 2026.

**【CFO Financial Commentary】**
- **Financial Highlights**: Q3 revenue $520M (+29% YoY), adjusted EBITDA $38M (5% margin, +9pts YoY). Full year guidance raised to $2.16B-$2.17B revenue, $113M-$118M EBITDA.
- **Key Metrics**: ARPAM $245 (+6% YoY), OIT volume $640M (1.75% fee), MyPay loss rate <1.2% (target 1%).
- **Cost Efficiency**: OpEx growth 7% YoY, OpEx/Revenue ratio down 14pts YoY, with headcount flat for 2026.

**【Q&A Key Highlights】**
- **Member Health**: Tenured cohorts show 15% YoY ARPAM growth, 80%+ NPS on instant loans. No signs of unemployment pressure; average balances up double-digit YoY.
- **OIT Impact**: Q3 OIT volume $640M (1.75% fee), shifting mix from debit to higher-margin platform revenue.
- **ChimeCard Performance**: 80% of new adopters use for 80% of spend; 175bps interchange vs. 100bps average.
- **Enterprise Progress**: Early adoption rates exceed expectations, with Workday/UKG partnerships to expand employer channel.


Chime Financial, Inc. (CHYM) Q3 2025 Earnings Call Transcript

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