Filing Flows › Chime Financial (CHYM) › Guidance history
Chime Financial (CHYM) guidance history: what it guided and what it reported
Chime Financial gave guidance in 6 earnings releases on file since Aug 7, 2025. Of 6 guided periods since reported, it met or beat its own guidance 6 times (100%). Revenue: 6 of 6, on average +3.2% against the guided midpoint. Its releases raised guidance 5 times and lowered it once.
Revenue
Met or beat 6 of 6 periods (6 above, 0 within, 0 below).
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| Q4 2026 | $757M–$767M (Nov 4, 2026) | — | to be reported | — |
| Q3 2026 | $680M–$690M (Aug 5, 2026) | $718M | above the range | +4.8% |
| Q2 2026 | $633M–$643M (May 6, 2026) | $670M | above the range | +5.0% |
| Q1 2026 | $627M–$637M (Feb 25, 2026) | $647M | above the range | +2.4% |
| FY2026 | $2.6B–$2.7B (Feb 25, 2026) → raised $2.7B–$2.7B (May 6, 2026) → raised $2.7B–$2.7B (Aug 5, 2026) → raised $2.8B–$2.8B (Nov 4, 2026) | — | to be reported | — |
| Q4 2025 | $572M–$582M (Nov 5, 2025) | $596M | above the range | +3.4% |
| FY2025 | $2.1B–$2.2B (Aug 7, 2025) → raised $2.2B–$2.2B (Nov 5, 2025) | $2.2B | above the range | +0.9% |
| Q3 2025 | $525M–$535M (Aug 7, 2025) | $544M | above the range | +2.5% |
Adjusted EBITDA
The guide is on an adjusted basis that the GAAP statements do not show, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| Q4 2026 | $161M–$166M (Nov 4, 2026) | — | to be reported | — |
| Q3 2026 | $105M–$110M (Aug 5, 2026) | — | — | — |
| Q2 2026 | $72.0M–$77.0M (May 6, 2026) | — | — | — |
| FY2026 | $380M–$400M (Feb 25, 2026) → raised $416M–$431M (May 6, 2026) → raised $465M–$475M (Aug 5, 2026) → raised $519M–$524M (Nov 4, 2026) | — | to be reported | — |
| Q1 2026 | $90.0M–$95.0M (Feb 25, 2026) | — | — | — |
| FY2025 | $84.0M–$94.0M (Aug 7, 2025) → raised $113M–$118M (Nov 5, 2025) | — | — | — |
| Q3 2025 | $12.0M–$17.0M (Aug 7, 2025) | — | — | — |
Adjusted EBITDA margin
The guide is on an adjusted basis that the GAAP statements do not show, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| Q4 2026 | 21.0%–22.0% (Nov 4, 2026) | — | to be reported | — |
| Q3 2026 | 15.0%–16.0% (Aug 5, 2026) | — | — | — |
| Q2 2026 | 11.0%–12.0% (May 6, 2026) | — | — | — |
| Q1 2026 | 14.0%–15.0% (Feb 25, 2026) | — | — | — |
| FY2026 | 6.0% (Feb 25, 2026) → raised 16.0% (May 6, 2026) → raised 17.0% (Aug 5, 2026) → raised 19.0% (Nov 4, 2026) | — | to be reported | — |
| Q4 2025 | 40.0% (Aug 7, 2025) | — | — | — |
| FY2025 | 4.0% (Aug 7, 2025) → raised 5.0% (Nov 5, 2025) | — | — | — |
| Q3 2025 | 2.0%–3.0% (Aug 7, 2025) | — | — | — |
The latest quarter
Chime Financial, Q3 2026: revenue $718M (+32% year over year), operating margin 4.8%, net earnings $43.7M, operating cash flow $126M. The chart follows the revenue to costs, profit and cash.
Questions
Does Chime Financial beat its guidance?
Chime Financial gave guidance in 6 earnings releases on file since Aug 7, 2025. Of 6 guided periods since reported, it met or beat its own guidance 6 times (100%). Revenue: 6 of 6, on average +3.2% against the guided midpoint.
How often does Chime Financial raise guidance?
Its earnings releases raised guidance 5 times and lowered it once since Aug 7, 2025.
Each guided period is held to the last guidance given before its figures were reported; a single figure counts as in line within 1% (0.25 pts for a rate). Reported figures are GAAP, from the company's filings; adjusted guidance shows its moves only.