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- **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

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

CHYM

CHYM fundamentals

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