Filing Flows › Chime Financial (CHYM) › Q3 2026 › vs Q2 2026
Chime Financial (CHYM) Q3 2026 vs Q2 2026 (quarter over quarter)
Chime Financial's revenue rose $48.2M (+7%) from $670M in Q2 2026 to $718M in Q3 2026. The biggest changes: Platform-related revenue +$33.8M (+14%); Payments revenue +$14.4M (+3%). Gross margin 90.0% against 88.8% (+1.2 pts).
Chime Financial, Q3 2026: revenue $718M (+32% year over year), operating margin 4.8%, net earnings $43.7M, operating cash flow $126M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Gross margin | 90.0% | 88.8% | +1.2 pts |
| Operating margin | 4.8% | 3.2% | +1.6 pts |
| Net margin | 6.1% | 4.2% | +1.9 pts |
| Free cash flow margin | 16.9% | 29.5% | -12.6 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Payments revenue | $444M | $430M | $14.4M | +3% |
| Platform-related revenue | $274M | $240M | $33.8M | +14% |
| Revenue | $718M | $670M | $48.2M | +7% |
| Gross profit | $646M | $595M | $51.2M | +9% |
| Cost of revenue | $71.9M | $74.9M | −$3.0M | -4% |
| Other income, net | $9.7M | $6.7M | $2.9M | +43% |
| Operating profit | $34.3M | $21.3M | $13.0M | +61% |
| Operating expenses | $612M | $574M | $38.2M | +7% |
| Pre-tax earnings | $44.0M | $28.1M | $15.9M | +57% |
| Research & development | $119M | $112M | $7.3M | +7% |
| Sales & marketing | $168M | $164M | $4.3M | +3% |
| General & admin | $98.7M | $80.1M | $18.6M | +23% |
| Other operating costs | $225M | $217M | $8.0M | +4% |
| Net earnings | $43.7M | $27.9M | $15.9M | +57% |
| Income tax | $250K | $213K | $37K | +17% |
| Depreciation & amortization | $7.9M | $7.6M | $381K | +5% |
| Share-based compensation | $74.2M | $69.4M | $4.8M | +7% |
| Working capital & other | $167K | $103M | −$103M | -100% |
| Operating cash flow | $126M | $207M | −$81.4M | -39% |
| Free cash flow (OCF − capex) | $121M | $198M | −$76.2M | -39% |
| Capital expenditures | $4.7M | $9.9M | −$5.2M | -52% |
Questions
How much did Chime Financial's revenue grow quarter over quarter in Q3 2026?
Chime Financial's revenue rose $48.2M (+7%) from $670M in Q2 2026 to $718M in Q3 2026.
What drove Chime Financial's revenue change in Q3 2026?
Platform-related revenue +$33.8M (+14%); Payments revenue +$14.4M (+3%).