Filing Flows › Financials › Chime Financial (CHYM)
Chime Financial (CHYM) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Chime Financial (CHYM) Q3 2026 earnings results →
Q3 2026 Revenue up 32% year over year to $718M · 6¢ of every $1 of revenue kept as net profit · operating margin 4.8%
Chime Financial made $718M in Q3 2026 (+32% Y/Y): Payments revenue $444M, Platform-related revenue $274M. Operating margin 4.8%, net earnings $43.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $718.0M in Q3 2026, up 32% year over year and up 7% from the previous quarter. Payments revenue was the largest line at 62% of revenue. Platform-related revenue added $93.2M year over year (up 52%), 53% of the total change.
Gross margin was 90.0%, up 2.7 points from Q3 2025. Operating profit was $34.3M, a 4.8% margin (up 16.7 points year over year). Operating expenses grew 14% against revenue growth of 32%. The fastest-growing cost line was General & admin (+29%). Net earnings were $43.7M. The effective tax rate was 0.6%. Non-operating items added $9.7M, 22% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $126.1M (up 621% year over year), 288% of net earnings. Non-cash charges added back $7.9M of depreciation and amortization and $74.2M of share-based compensation. Capital expenditures of $4.7M left free cash flow of $121.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $718M | +32% | 4.8% | $43.7M | $126M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $670M | +27% | 3.2% | $27.9M | $207M |
| Q1 2026 | 10-Q | May 7, 2026 | $647M | +25% | 7.1% | $53.5M | $87.5M |
| Q4 2025 | 10-K | Mar 6, 2026 | $596M | +26% | -9.0% | −$44.8M | $32.6M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $544M | +29% | -11.9% | −$54.7M | $17.5M |
| Q2 2025 | 10-Q | Aug 11, 2025 | $528M | +38% | -176.2% | −$923M | $28.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Chime Financial
We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the nearly 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests. So we set out to create a new approach, built on a foundation of trust rather than fine print and punitive fees. Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees.
In its own words, from its 10-K, filed Mar 6, 2026.
Chime Financial against its Finance Services peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +32% against the peers' median +17%. Operating margin: 4.8% against the peers' median 5.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CHYM Chime Financial | Q3 2026 | $718M | +32% | 4.8% |
| AXP American Express | Q3 2026 | $20.1B | +9% | 22.6% |
| BTGO Bitgo Holdings | Q2 FY27 | $4.3B | +80% | -0.4% |
| General Motors Financial Company | Q3 2026 | $4.3B | -0.6% | 15.3% |
| SOFI SoFi Technologies | Q3 2026 | $1.4B | +44% | 22.9% |
| COIN Coinbase Global | Q3 2026 | $1.2B | -35% | 5.1% |
| CRCL Circle Internet Group | Q3 2026 | $865M | +17% | 24.1% |
| GDOT Green DOT | Q2 2026 | $596M | +18% | -0.1% |
| BKKT Bakkt | Q2 2025 | $578M | +13% | -3.2% |
Source: Chime Financial 10-Q on SEC EDGAR · CIK 1795586 · Finance Services
Guidance and outlook
13F: who owns CHYM and who is buying
More on CHYM
- How Chime Financial makes money: revenue by segment
- Chime Financial next earnings date and what analysts expect
- Chime Financial stock forecast, price target and fair value
- Who owns Chime Financial stock: holders, funds and Congress trades
- Chime Financial guidance and outlook
- Is Chime Financial a takeover target? LBO and rumors
- Chime Financial recalls, complaints and regulation
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results
- Chime Financial guidance history: guided vs reported
- Chime Financial gross margin by quarter
- Chime Financial operating margin by quarter
- Chime Financial net income by quarter
- Chime Financial free cash flow by quarter
- Chime Financial R&D spending by quarter
- Chime Financial capital expenditures by quarter
- Chime Financial Payments revenue revenue by quarter
- Chime Financial Platform-related revenue revenue by quarter