Filing Flows › Chime Financial (CHYM) › Q3 2026 › vs Q3 2025
Chime Financial (CHYM) Q3 2026 vs Q3 2025 (year over year)
Chime Financial's revenue rose $174M (+32%) from $544M in Q3 2025 to $718M in Q3 2026. The biggest changes: Platform-related revenue +$93.2M (+52%); Payments revenue +$81.3M (+22%). Gross margin 90.0% against 87.2% (+2.7 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Gross margin | 90.0% | 87.2% | +2.7 pts |
| Operating margin | 4.8% | -11.9% | +16.7 pts |
| Net margin | 6.1% | -10.1% | +16.2 pts |
| Free cash flow margin | 16.9% | 2.8% | +14.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Payments revenue | $444M | $363M | $81.3M | +22% |
| Platform-related revenue | $274M | $180M | $93.2M | +52% |
| Revenue | $718M | $544M | $174M | +32% |
| Gross profit | $646M | $474M | $172M | +36% |
| Cost of revenue | $71.9M | $69.4M | $2.5M | +4% |
| Other income, net | $9.7M | $10.3M | −$617K | -6% |
| Operating profit | $34.3M | −$64.7M | $99.0M | — |
| Operating expenses | $612M | $539M | $72.9M | +14% |
| Pre-tax earnings | $44.0M | −$54.4M | $98.4M | — |
| Research & development | $119M | $124M | −$4.5M | -4% |
| Sales & marketing | $168M | $154M | $14.9M | +10% |
| General & admin | $98.7M | $76.6M | $22.1M | +29% |
| Other operating costs | $225M | $185M | $40.4M | +22% |
| Net earnings | $43.7M | −$54.7M | $98.4M | — |
| Income tax | $250K | $280K | −$30K | -11% |
| Depreciation & amortization | $7.9M | $7.5M | $424K | +6% |
| Share-based compensation | $74.2M | $84.8M | −$10.5M | -12% |
| Working capital & other | $167K | −$20.1M | $20.2M | — |
| Operating cash flow | $126M | $17.5M | $109M | +621% |
| Free cash flow (OCF − capex) | $121M | $15.4M | $106M | +687% |
| Capital expenditures | $4.7M | $2.1M | $2.7M | +130% |
Questions
How much did Chime Financial's revenue grow year over year in Q3 2026?
Chime Financial's revenue rose $174M (+32%) from $544M in Q3 2025 to $718M in Q3 2026.
What drove Chime Financial's revenue change in Q3 2026?
Platform-related revenue +$93.2M (+52%); Payments revenue +$81.3M (+22%).