Filing Flows › Chime Financial (CHYM) › Q2 2026 › vs Q1 2026
Chime Financial (CHYM) Q2 2026 vs Q1 2026 (quarter over quarter)
Chime Financial's revenue rose $22.4M (+3%) from $647M in Q1 2026 to $670M in Q2 2026. The biggest changes: Platform-related revenue +$25.0M (+12%); Payments revenue −$2.6M (-0.6%). Gross margin 88.8% against 89.6% (-0.8 pts).
Chime Financial, Q2 2026: revenue $670M (+27% year over year), operating margin 3.2%, net earnings $27.9M, operating cash flow $207M. The chart draws each line against Q1 2026, the increases inside each band.
Margins
| Q2 2026 | Q1 2026 | Change | |
|---|---|---|---|
| Gross margin | 88.8% | 89.6% | -0.8 pts |
| Operating margin | 3.2% | 7.1% | -3.9 pts |
| Net margin | 4.2% | 8.3% | -4.1 pts |
| Free cash flow margin | 29.5% | 12.5% | +17.0 pts |
Every line
| Line | Q2 2026 | Q1 2026 | Change | % |
|---|---|---|---|---|
| Payments revenue | $430M | $433M | −$2.6M | -0.6% |
| Platform-related revenue | $240M | $215M | $25.0M | +12% |
| Revenue | $670M | $647M | $22.4M | +3% |
| Gross profit | $595M | $580M | $14.6M | +3% |
| Cost of revenue | $74.9M | $67.1M | $7.8M | +12% |
| Other income, net | $6.7M | $7.7M | −$1.0M | -13% |
| Operating profit | $21.3M | $46.2M | −$24.8M | -54% |
| Operating expenses | $574M | $534M | $39.4M | +7% |
| Pre-tax earnings | $28.1M | $53.9M | −$25.8M | -48% |
| Research & development | $112M | $110M | $2.3M | +2% |
| Sales & marketing | $164M | $165M | −$1.3M | -0.8% |
| General & admin | $80.1M | $70.5M | $9.7M | +14% |
| Other operating costs | $217M | $188M | $28.7M | +15% |
| Net earnings | $27.9M | $53.5M | −$25.6M | -48% |
| Income tax | $213K | $455K | −$242K | -53% |
| Depreciation & amortization | $7.6M | $7.7M | −$108K | -1% |
| Share-based compensation | $69.4M | $60.7M | $8.7M | +14% |
| Working capital & other | $103M | −$34.3M | $137M | — |
| Operating cash flow | $207M | $87.5M | $120M | +137% |
| Free cash flow (OCF − capex) | $198M | $80.9M | $117M | +144% |
| Capital expenditures | $9.9M | $6.6M | $3.3M | +50% |
Questions
How much did Chime Financial's revenue grow quarter over quarter in Q2 2026?
Chime Financial's revenue rose $22.4M (+3%) from $647M in Q1 2026 to $670M in Q2 2026.
What drove Chime Financial's revenue change in Q2 2026?
Platform-related revenue +$25.0M (+12%); Payments revenue −$2.6M (-0.6%).