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Reported August 5, 2026 · After market close

Revenue$669.8MBeat by $28.5M
EPS$0.07Beat by $0.07
Revenue estimate$641.3M
EPS estimate$0.00
We delivered another strong quarter, with accelerating revenue growth, expanding margins, and a second consecutive quarter of GAAP profitability. The strong adoption of Chime Prime, continued momentum across our liquidity products, and major new Chime Enterprise employer partnerships show that our strategy is working. As we continue to expand our product portfolio and deepen member engagement, we believe we are well positioned to achieve our ambition to be the market leader in primary bank account relationships in the U.S.
Chris Britt

Next report

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

Financials

Q2 2026

Income statement

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Revenue$669.8M+26.8%
Gross profit$594.9M+29.0%
Operating income$21.3M+102%
Net income$27.9M+103%
EPS (diluted)$0.07+101%

Balance sheet

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Cash & equivalents$601.1M-31.8%
Total debt$130.9M+49.0%
Total equity$1.4B-1.6%
Total assets$2.0B+5.0%

Cash flow

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Operating cash flow$207.5M+628%
CapEx$9.9M+388%
Free cash flow$197.5M+647%

Valuation & ratios

Valuation

as of 08/06/26
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Market cap$9.88B-19.1%
Enterprise value$9.41B-17.6%
P/S-2.3×

Profitability

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Gross margin88.7%+0.9pp
Operating margin-2.1%-1.0pp
Net margin-0.7%-0.4pp
FCF margin12.7%

Returns & leverage

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Return on equity-1.3%
Debt / equity0.1×0.0×
Current ratio4.6×-0.2×

Segments

By product

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MyPay$114.8M+47.7%

FAQ

When did Chime Financial, Inc. report Q2 2026 earnings?
Chime Financial, Inc. (CHYM) reported Q2 2026 earnings on August 5, 2026 after market close.
What were Chime Financial, Inc.'s Q2 2026 revenue and EPS?
Chime Financial, Inc. reported revenue of $669.8M and eps of $0.07 for Q2 2026.
Did Chime Financial, Inc. beat estimates in Q2 2026?
Revenue beat the consensus estimate of $641.3M by $28.5M. EPS beat the consensus estimate of $0.00 by $0.07.
How did Chime Financial, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 26.8% from $528.1M a year earlier.
Where can I find Chime Financial, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0001795586-26-000046) and the 10-Q periodic report (0001795586-26-000048) directly on SEC EDGAR. The filing index links above go to sec.gov.