Filing Flows › Chime Financial (CHYM) › Q2 2026
Chime Financial (CHYM) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 6, 2026
Chime Financial (CHYM) reported revenue of $670M for the second quarter 2026 (Q2 2026), +27% from a year earlier and +3% from the quarter before. Operating margin was 3.2%, net earnings $27.9M (4.2% of revenue).
Chime Financial, Q2 2026: revenue $670M (+27% year over year), operating margin 3.2%, net earnings $27.9M, operating cash flow $207M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $670M | +3% | +27% |
| Gross profit | $595M | +3% | +29% |
| Operating profit | $21.3M | -54% | — |
| Net earnings | $27.9M | -48% | — |
| Operating cash flow | $207M | +137% | +628% |
| Free cash flow | $198M | +144% | +647% |
What changed
Revenue was $669.8M in Q2 2026, up 27% year over year and up 3% from the previous quarter. Payments revenue was the largest line at 64% of revenue. Platform-related revenue added $77.7M year over year (up 48%), 55% of the total change.
Gross margin was 88.8%, up 1.5 points from Q2 2025. Operating profit was $21.3M, a 3.2% margin (up 179.4 points year over year). Operating expenses fell 59% while revenue rose 27%. Net earnings were $27.9M. The effective tax rate was 0.8%. Non-operating items added $6.7M, 24% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $207.5M (up 628% year over year), 745% of net earnings. Non-cash charges added back $7.6M of depreciation and amortization and $69.4M of share-based compensation. Working capital and other items added $102.7M. Capital expenditures of $9.9M left free cash flow of $197.5M.
Questions
What was Chime Financial's revenue in the second quarter 2026?
Chime Financial (CHYM) reported revenue of $670M for the second quarter 2026 (Q2 2026), +27% from a year earlier and +3% from the quarter before.
Was Chime Financial profitable in the second quarter 2026?
Operating profit was $21.3M (3.2% of revenue) and net earnings $27.9M.
Source: Chime Financial 10-Q on SEC EDGAR.