Filing Flows › Chime Financial (CHYM) › Q2 2026 › vs Q2 2025
Chime Financial (CHYM) Q2 2026 vs Q2 2025 (year over year)
Chime Financial's revenue rose $142M (+27%) from $528M in Q2 2025 to $670M in Q2 2026. The biggest changes: Platform-related revenue +$77.7M (+48%); Payments revenue +$63.9M (+17%). Gross margin 88.8% against 87.3% (+1.5 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 Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Gross margin | 88.8% | 87.3% | +1.5 pts |
| Operating margin | 3.2% | -176.2% | +179.4 pts |
| Net margin | 4.2% | -174.8% | +179.0 pts |
| Free cash flow margin | 29.5% | 5.0% | +24.5 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Payments revenue | $430M | $366M | $63.9M | +17% |
| Platform-related revenue | $240M | $162M | $77.7M | +48% |
| Revenue | $670M | $528M | $142M | +27% |
| Gross profit | $595M | $461M | $134M | +29% |
| Cost of revenue | $74.9M | $67.1M | $7.8M | +12% |
| Other income, net | $6.7M | $6.2M | $526K | +8% |
| Operating profit | $21.3M | −$931M | $952M | — |
| Operating expenses | $574M | $1.4B | −$818M | -59% |
| Pre-tax earnings | $28.1M | −$924M | $952M | — |
| Research & development | $112M | $622M | −$510M | -82% |
| Sales & marketing | $164M | $185M | −$20.8M | -11% |
| General & admin | $80.1M | $280M | −$200M | -71% |
| Other operating costs | $217M | $305M | −$88.1M | -29% |
| Net earnings | $27.9M | −$923M | $951M | — |
| Income tax | $213K | −$1.0M | $1.3M | — |
| Depreciation & amortization | $7.6M | $7.4M | $146K | +2% |
| Share-based compensation | $69.4M | $910M | −$841M | -92% |
| Working capital & other | $103M | $34.3M | $68.4M | +199% |
| Operating cash flow | $207M | $28.5M | $179M | +628% |
| Free cash flow (OCF − capex) | $198M | $26.5M | $171M | +647% |
| Capital expenditures | $9.9M | $2.0M | $7.9M | +388% |
Questions
How much did Chime Financial's revenue grow year over year in Q2 2026?
Chime Financial's revenue rose $142M (+27%) from $528M in Q2 2025 to $670M in Q2 2026.
What drove Chime Financial's revenue change in Q2 2026?
Platform-related revenue +$77.7M (+48%); Payments revenue +$63.9M (+17%).