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Chime Financial, Inc. CHYM Q1 2026 earnings

Reported May 6, 2026 · After market close

Revenue$647.4MBeat by $11.7M
EPS$0.13Beat by $0.10
Revenue estimate$635.7M
EPS estimate$0.03

Next report

Nov 4, 2026 (in 3 months)
Revenue estimate$671.9M
EPS estimate$0.05

Financials

Q1 2026

Income statement

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Revenue$647.4M+24.8%
Gross profit$580.3M+26.6%
Operating income$46.2M+405%
Net income$53.5M+313%
EPS (diluted)$0.13—

Balance sheet

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Cash & equivalents$607.7M+91.0%
Total debt$132.7M—
Total equity$1.4B+176%
Total assets$2.0B—

Cash flow

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Operating cash flow$87.5M+440%
CapEx$6.6M+316%
Free cash flow$80.9M+396%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$7.19B—
Enterprise value$6.72B—
P/S3.1×—

Profitability

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Gross margin88.4%+0.6pp
Operating margin-43.3%-47.1pp
Net margin-41.9%-43.6pp
FCF margin6.1%—

Returns & leverage

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Debt / equity0.1×—
Current ratio5.1×—

Segments

By product

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MyPay$103.8M+61.4%

FAQ

When did Chime Financial, Inc. report Q1 2026 earnings?
Chime Financial, Inc. (CHYM) reported Q1 2026 earnings on May 6, 2026 after market close.
What were Chime Financial, Inc.'s Q1 2026 revenue and EPS?
Chime Financial, Inc. reported revenue of $647.4M and eps of $0.13 for Q1 2026.
Did Chime Financial, Inc. beat estimates in Q1 2026?
Revenue beat the consensus estimate of $635.7M by $11.7M. EPS beat the consensus estimate of $0.03 by $0.10.
How did Chime Financial, Inc.'s Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 24.8% from $518.7M a year earlier and eps grew 266.1% from $0.04.
Where can I find Chime Financial, Inc.'s Q1 2026 SEC filings?
You can read the 8-K earnings release (0001795586-26-000035) and the 10-Q periodic report (0001795586-26-000038) directly on SEC EDGAR. The filing index links above go to sec.gov.