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Chime Financial, Inc. Class A Common Stock CHYM Q1 2026 earnings

Reported May 6, 2026 · After market close

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

Next report

Aug 6, 2026 (in a month)
Revenue estimate$639.6M
EPS estimate-$0.01

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

Q1 2026

Valuation

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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%

Versus estimates

Revenue

Q1 2026$647.4MBeat by $11.7M
Q4 2025$596.4MBeat by $19.4MQ3 2025$543.5MBeat by $12.2MQ2 2025$528.1MBeat by $25.4MQ1 2025$518.7MQ4 2024$475.2M

Diluted EPS

Q1 2026$0.13Beat by $0.10
Q4 2025-$0.12Beat by $0.08Q3 2025-$0.15Beat by $0.09Q2 2025-$7.29Miss by $2.44Q1 2025$0.04Q4 2024-$0.05

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Questions, answered.

When did Chime Financial, Inc. Class A Common Stock report Q1 2026 earnings?
Chime Financial, Inc. Class A Common Stock (CHYM) reported Q1 2026 earnings on May 6, 2026 after market close.
What were Chime Financial, Inc. Class A Common Stock's Q1 2026 revenue and EPS?
Chime Financial, Inc. Class A Common Stock reported revenue of $647.4M and diluted EPS of $0.13 for Q1 2026.
Did Chime Financial, Inc. Class A Common Stock 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. Class A Common Stock'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 diluted EPS grew 266.1% from $0.04.
Where can I find Chime Financial, Inc. Class A Common Stock'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.