> ## Content Index
> Fetch the complete content index at: https://www.bullished.co/llms.txt
> Use this file to discover other available public pages before exploring further.

# Chime Raises 2026 Outlook As Revenue Jumps 32% To $718 Million And Profit Hits $44 Million
- URL: https://www.bullished.co/chime-raises-2026-outlook-as-revenue-jumps-32-to-718-million-and-profit-hits-44-million-6c2b672a/
- Published: 2026-11-04T22:57:24.000Z
- Updated: 2026-11-04T22:57:24.000Z
- Description: The digital bank posted a third straight profitable quarter and lifted its fourth-quarter and full-year forecasts as lending grew faster than card payments.
- Author: Matteo Parrino
- Tags: Earnings, CHYM, Industry: Financials

Chime Financial, the mobile banking company, said [third-quarter revenue grew 32% to $718 million](https://www.sec.gov/Archives/edgar/data/0001795586/000179558626000052/ex991q326.htm?ref=bullished.co), up from 27% growth in the second quarter, and raised its fourth-quarter and full-year 2026 guidance. Net income of $44 million made it the third consecutive profitable quarter on standard accounting, against a $55 million loss a year earlier, the company said in its [8-K](https://www.sec.gov/Archives/edgar/data/0001795586/000179558626000052/chym-20261104.htm?ref=bullished.co) on Wednesday.

## Lending outgrows payments

Platform-related revenue rose 52% to [$274 million](https://www.businesswire.com/news/home/20261104475603/en/Chime-Reports-Third-Quarter-2026-Financial-Results?ref=bullished.co), which the company said reflects the continued scaling of MyPay and Instant Loans. Payments revenue, earned mostly on card spending, rose 22% to $444 million, or 26% when Outbound Instant Transfer revenue is included.

MyPay originations reached a record [$5.3 billion](https://www.businesswire.com/news/home/20261104475603/en/Chime-Reports-Third-Quarter-2026-Financial-Results?ref=bullished.co), with loss rates around 1%, and the product's transaction profit hit a record $80 million. More than 20% of Active Members use Instant Loans, which the company said originated $381 million in the quarter.

Adjusted EBITDA, a non-standard profit measure, reached $137 million, a 19% margin, up 14 percentage points from a year earlier. Active Members grew 20% to 10.9 million, including a record 1.8 million net additions over 12 months. Chime Chief Executive Chris Britt called it "our strongest quarter yet as a public company."

## A bank for higher earners

Chime offers checking, savings, credit-building cards and short-term cash advances through partner banks The Bancorp Bank and Stride Bank, and earns most of its revenue when members spend on its cards. Members earning $75,000 or more a year are its fastest-growing group, the company said, and Prime members generate more than double the average revenue per member.

It plans an unsecured credit card next year and is testing a line of credit for Prime members. Chime Enterprise signed The Michaels Companies and the City of Charleston as employer partners.

## New guidance and the Stride deal

Chime now expects full-year revenue of $2.792 billion to $2.802 billion, about 28% growth, and adjusted EBITDA of $519 million to $524 million. For the fourth quarter it expects revenue of $757 million to $767 million and adjusted EBITDA of $161 million to $166 million.

The pending purchase of Stride Bank remains on track to close in the first half of 2027, subject to regulatory approvals, and the company still expects more than $100 million in annual net after-tax synergies.

Chime holds its earnings call at 5 p.m. Eastern on Wednesday.

Learn

- [Item 2.02: results of operations →](https://www.bullished.co/learn/8-k-items-explained/#item-202-results-of-operations)  
From 8-K Items Explained: What Every Item Code From 1.01 To 9.01 Tells You, With Examples

### Sources

- [8-K Filing — Chime Financial, Inc. (CHYM)](https://www.sec.gov/Archives/edgar/data/0001795586/000179558626000052/chym-20261104.htm?ref=bullished.co) — SEC EDGAR
- [Exhibit ex991q326.htm — Chime Financial, Inc. 8-K exhibit](https://www.sec.gov/Archives/edgar/data/0001795586/000179558626000052/ex991q326.htm?ref=bullished.co) — SEC EDGAR
- [Chime Reports Third Quarter 2026 Financial Results](https://www.businesswire.com/news/home/20261104475603/en/Chime-Reports-Third-Quarter-2026-Financial-Results?ref=bullished.co) — businesswire.com