Filing Flows › Chime Financial (CHYM) › Q1 2026
Chime Financial (CHYM) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 7, 2026
Chime Financial (CHYM) reported revenue of $647M for the first quarter 2026 (Q1 2026), +25% from a year earlier and +9% from the quarter before. Operating margin was 7.1%, net earnings $53.5M (8.3% of revenue).
Chime Financial, Q1 2026: revenue $647M (+25% year over year), operating margin 7.1%, net earnings $53.5M, operating cash flow $87.5M. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $647M | +9% | +25% |
| Gross profit | $580M | +9% | +27% |
| Operating profit | $46.2M | — | +405% |
| Net earnings | $53.5M | — | +313% |
| Operating cash flow | $87.5M | +169% | — |
| Free cash flow | $80.9M | +341% | — |
What changed
Revenue was $647.4M in Q1 2026, up 25% year over year and up 9% from the previous quarter. Payments revenue was the largest line at 67% of revenue. Platform-related revenue added $71.3M year over year (up 50%), 55% of the total change.
Gross margin was 89.6%, up 1.3 points from a year earlier. Operating profit was $46.2M, a 7.1% margin (up 5.4 points year over year). Of the extra revenue versus a year earlier, 29% reached operating profit, above the 2% margin then. Operating expenses grew 19% against revenue growth of 25%. The fastest-growing cost line was General & admin (+49%). Net earnings were $53.5M, up 313% year over year. The effective tax rate was 0.8%.
Operating cash flow was $87.5M, 164% of net earnings. Non-cash charges added back $7.7M of depreciation and amortization and $60.7M of share-based compensation. Working capital and other items used $34.3M. Capital expenditures of $6.6M left free cash flow of $80.9M.
Questions
What was Chime Financial's revenue in the first quarter 2026?
Chime Financial (CHYM) reported revenue of $647M for the first quarter 2026 (Q1 2026), +25% from a year earlier and +9% from the quarter before.
Was Chime Financial profitable in the first quarter 2026?
Operating profit was $46.2M (7.1% of revenue) and net earnings $53.5M.
Source: Chime Financial 10-Q on SEC EDGAR.