Chime Financial Inc (NAS:CHYM)

Q4 2025 Chime Financial Inc Earnings Call Transcript

Feb 25, 2026 / 10:00 PM GMT

Release Date Price: $21.11 (+3.33%)

Transcript 10-K8-K

Key Points

Positve

Chime Financial Inc (CHYM) reported a 31% revenue growth in 2025, with strong operating leverage and a 12-point year-over-year improvement in adjusted EBITDA margin to 10% in Q4.
The company added approximately 500,000 net new active members in Q4, bringing the total to 9.5 million.
Chime Core, the company's homegrown transaction processor, has reduced transaction processing costs by an estimated 60%, supporting a long-term gross margin target of 90%.
The Chime Card, a secured cashback credit card, has seen strong adoption, with over half of new members using it for over 70% of their Chime spend.
MyPay, the on-demand payroll product, reached a $400 million revenue run rate in Q4 with a transaction margin of nearly 60%, and loss rates have stabilized at 1%.

Negative

Despite strong growth, Chime Financial Inc (CHYM) faces competition from large banks and other fintechs, which could impact its market position.
The company has a seasonal business, with Q1 being heavily influenced by tax refund season, leading to fluctuations in purchase volume and transaction margins.
Instant loans, while a growth area, are riskier due to their longer duration and higher limits, which could impact profitability.
The new variable pricing model for MyPay could lead to higher revenue but also poses a risk of increased loss rates if not managed carefully.
Chime Financial Inc (CHYM) is expanding into new product areas like investing and enterprise channels, which may require significant investment and carry execution risks.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CHYM.OQ - Chime Financial Inc
Q4 2025 Chime Financial Inc Earnings Call
Feb 25, 2026 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon.

Welcome to Chime's Fourth quarter fiscal 2025 earnings call.

Following the speaker's remarks, we will open the lines for your questions.

As a reminder, this conference call is being recorded, and a replay of this call will be available on our investor relations website for a reasonable period of time after the call.

I'd like to turn the call over to David Pierce, Vice President of Investor Relations and Capital Markets.

Thank you. You may begin.

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Unidentified_2 [2]
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Good afternoon, everyone,

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