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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).

Revenue$718M
Year over year+32%
Quarter over quarter+7%
Operating margin4.8%
Net earnings$43.7M

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 2026AmountQ/QY/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.

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Source: Chime Financial 10-Q on SEC EDGAR.