Filing Flows › Chime Financial (CHYM) › How it makes money
How Chime Financial (CHYM) makes money
Chime Financial (CHYM) made $718M of revenue in the third quarter 2026 (Q3 2026), +32% from a year earlier. Payments revenue brought in $444M (62%); Platform-related revenue brought in $274M (38%). Of every dollar of revenue, 90¢ was left as gross profit, 5¢ was left as operating profit, 6¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Payments revenue | $444M | 61.9% | +3% | +22% |
| Platform-related revenue | $274M | 38.1% | +14% | +52% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $718M | 100.0% |
| Cost of revenue | $71.9M | 10.0% |
| Gross profit | $646M | 90.0% |
| Operating expenses | $612M | 85.2% |
| Operating profit | $34.3M | 4.8% |
| Income tax | $250K | 0.0% |
| Net earnings | $43.7M | 6.1% |
| Operating cash flow | $126M | 17.6% |
| Free cash flow | $121M | 16.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $718M | +32% |
| Q2 2026 | $670M | +27% |
| Q1 2026 | $647M | +25% |
| Q4 2025 | $596M | +26% |
| Q3 2025 | $544M | +29% |
| Q2 2025 | $528M | +38% |
From Chime Financial's 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does Chime Financial make money?
Chime Financial (CHYM) made $718M of revenue in the third quarter 2026 (Q3 2026), +32% from a year earlier. Payments revenue brought in $444M (62%); Platform-related revenue brought in $274M (38%). Of every dollar of revenue, 90¢ was left as gross profit, 5¢ was left as operating profit, 6¢ was left as net earnings.
What is Chime Financial's biggest business?
Payments revenue: $444M in the third quarter 2026, 62% of revenue, +22% from a year earlier.
What is Chime Financial's profit margin?
Net earnings were $43.7M, 6.1% of revenue, in the third quarter 2026; the operating margin was 4.8%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.