Filing Flows › Chime Financial (CHYM) › Q3 2026
Chime Financial (CHYM) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Chime Financial (CHYM) reported revenue of $718M for the third quarter 2026 (Q3 2026), +32% from a year earlier and +7% from the quarter before. Operating margin was 4.8%, net earnings $43.7M (6.1% of revenue).
Chime Financial, Q3 2026: revenue $718M (+32% year over year), operating margin 4.8%, net earnings $43.7M, operating cash flow $126M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $718M | +7% | +32% |
| Gross profit | $646M | +9% | +36% |
| Operating profit | $34.3M | +61% | — |
| Net earnings | $43.7M | +57% | — |
| Operating cash flow | $126M | -39% | +621% |
| Free cash flow | $121M | -39% | +687% |
What changed
Revenue was $718.0M in Q3 2026, up 32% year over year and up 7% from the previous quarter. Payments revenue was the largest line at 62% of revenue. Platform-related revenue added $93.2M year over year (up 52%), 53% of the total change.
Gross margin was 90.0%, up 2.7 points from Q3 2025. Operating profit was $34.3M, a 4.8% margin (up 16.7 points year over year). Operating expenses grew 14% against revenue growth of 32%. The fastest-growing cost line was General & admin (+29%). Net earnings were $43.7M. The effective tax rate was 0.6%. Non-operating items added $9.7M, 22% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $126.1M (up 621% year over year), 288% of net earnings. Non-cash charges added back $7.9M of depreciation and amortization and $74.2M of share-based compensation. Capital expenditures of $4.7M left free cash flow of $121.3M.
Questions
What was Chime Financial's revenue in the third quarter 2026?
Chime Financial (CHYM) reported revenue of $718M for the third quarter 2026 (Q3 2026), +32% from a year earlier and +7% from the quarter before.
Was Chime Financial profitable in the third quarter 2026?
Operating profit was $34.3M (4.8% of revenue) and net earnings $43.7M.
Source: Chime Financial 10-Q on SEC EDGAR.