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Chime Financial (CHYM) guidance and outlook
Chime Financial (CHYM) raised its guidance on Nov 4, 2026: Revenue $2.8B for FY2026; Revenue +28% for FY2026; EBITDA $519M–$524M for FY2026; EBITDA margin 19% for FY2026. Chime Financial's 10-Q filed Nov 5, 2026 makes 13 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Revenue | FY2026 | $115M | new |
| Revenue | FY2026 | $2.8B | raised |
| Revenue | FY2026 | +28% | raised |
| EBITDA | FY2026 | $519M–$524M | raised |
| EBITDA margin | FY2026 | 19% | raised |
| Revenue | Q4 2026 | $757M–$767M | new |
| Revenue | Q4 2026 | +27% to +29% | new |
| EBITDA | Q4 2026 | $161M–$166M | new |
| EBITDA margin | Q4 2026 | 21%–22% | new |
From the earnings release filed Nov 4, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 5, 2026
- Our historical results are not necessarily indicative of the results that may be expected for any period in the future.
- We believe these advantages will improve over the long term as we continue to scale.
- Upon closing, we intend to rename Stride as Chime Bank, N.A., which we will operate as our wholly-owned subsidiary.
- We expect to fund the purchase price with cash on hand.
- Upon completion of the Stride Acquisition, we will become a bank holding company.
- We expect that owning our bank will reduce our reliance on third-party partner banks, lower partner bank fees and our cost of funds, and allow us to integrate our technology platform more closely with our banking operations.
- We will also become subject to supervision by the Federal Reserve and to additional regulatory requirements, including capital, liquidity and compliance requirements, which will increase our costs.
- In addition, other companies may not publish these or similar metrics or may use other financial measures to evaluate their performance, all of which could reduce the usefulness of our key metrics as comparative measures.
- We use transaction profit, transaction margin, adjusted EBITDA, and adjusted EBITDA margin in conjunction with GAAP measures to evaluate our operating performance, formulate business plans, prepare budgets and forecasts, and make strategic decisions.
- We believe that adjusted EBITDA and adjusted EBITDA margin are key measures of our operating performance, and management uses these measures to formulate business plans, prepare budgets and forecasts, and make strategic decisions, including those relating to operating expenses and the allocation of internal resources.
- Specifically, Bancorp has the right to limit originations under this commitment during periods when a specified threshold is projected to be exceeded relating to the forecasted ratio of (i) projected losses less projected revenue from the liquidity products offered under this commitment to (ii) the sum of our cash, our marketable securities, and certain assets held at Bancorp.
- We may also, from time to time, enter into Rule 10b5-1 plans to facilitate repurchases of our Class A common stock under this authorization.
Chime Financial's 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
Did Chime Financial raise or lower its guidance?
Chime Financial (CHYM) raised its guidance on Nov 4, 2026: Revenue $2.8B for FY2026; Revenue +28% for FY2026; EBITDA $519M–$524M for FY2026; EBITDA margin 19% for FY2026.
What does Chime Financial expect?
Our historical results are not necessarily indicative of the results that may be expected for any period in the future. We believe these advantages will improve over the long term as we continue to scale. Upon closing, we intend to rename Stride as Chime Bank, N.A., which we will operate as our wholly-owned subsidiary.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.