Chime shares rise 5.8% after hours after raising outlook

Chime Financial (CHYM) is a financial technology company offering low-cost banking and payments products, with 10.9 million Active Members at the end of the quarter.

Chime's third-quarter diluted earnings were 11 cents per share, topping the 10-cent consensus estimate. Revenue of $718.00 million was in line with the $711.82 million consensus estimate, the company said in a press release on Nov. 4, 2026.

Shares rose 5.8% in after-hours trading as of 4:39 p.m. ET, from a regular-session close of $29.88.

Revenue grew 32% from a year earlier, accelerating from 27% growth in the second quarter, according to a regulatory filing.

Here's how the company did:

• Revenue: $718.00 million vs. $543.52 million a year earlier
• Diluted EPS: 11 cents per share vs. 10 cents expected
• Net income: $43.7 million vs. a loss of $54.7 million a year earlier

Raised 2026 outlook

The company raised its full-year 2026 revenue forecast to $2.792 billion to $2.802 billion, from the $2.725 billion to $2.745 billion range it gave on Aug. 5.

It raised its adjusted EBITDA forecast to $519 million to $524 million, from $465 million to $475 million on Aug. 5, with an adjusted EBITDA margin of about 19%.

For the fourth quarter, the company expects revenue of $757 million to $767 million and adjusted EBITDA of $161 million to $166 million.

"This was our strongest quarter yet as a public company, and we are seeing structural improvements in our growth and profitability profile," said Chris Britt, CEO and Co-founder of Chime. "Our momentum gives us confidence to raise our outlook for the remainder of the year."

Segment results and costs

Payments revenue grew 22% to $444 million. Platform-related revenue grew 52% to $274 million, reflecting the continued scaling of MyPay and Instant Loans.

Gross margin was 90%, and transaction profit, a non-GAAP measure, rose 41% to $530 million, or a 74% transaction margin.

The company recorded restructuring charges of $17.1 million, made up of cash charges for employee-related wages, benefits and severance.

Revenue has risen in each of the last three quarters, from $543.5 million in the third quarter of 2025 to $669.8 million in the second quarter of 2026, according to its SEC filings.

Stride Bank acquisition

Chime is acquiring Central Service Corporation, the parent holding company of Stride Bank. The company expects the deal to close in the first half of 2027, subject to regulatory approvals and closing conditions.

The company expects more than $100 million in annual net after-tax synergies from the transaction.