Chime Financial's third quarter revenue of $718M beat estimates as active members reached 10.9M

Chime Financial reported third quarter 2026 revenue of $718 million, surpassing analyst estimates of $704.13 million, while delivering its third consecutive quarter of GAAP profitability. The results were characterized by accelerating top-line growth and expanding margins, leading management to raise its full-year 2026 outlook.

Key Highlights

• Active Members grew 20% year over year to 10.9 million, exceeding the 10.8 million estimate behind record net additions of 1.8 million over the trailing 12 months.
• Platform-related revenue surged 52% to $274 million, driven by the scaling of MyPay, which saw record origination volume of $5.3 billion, and Instant Loans.
• Profitability metrics improved significantly as GAAP net margin reached 6%, up 16 percentage points year over year, while Adjusted EBITDA margin rose to 19%.