Chime Reports Q3 Profit, Revenue Rises 32%

Chime Financial reported third-quarter revenue of $718 million, up 32% from a year earlier, and said it recorded $44 million in GAAP net income for a third consecutive profitable quarter. Active members grew 20% to 10.9 million, while adjusted EBITDA reached $137 million, a 19% margin; the company also highlighted growth in its MyPay and Instant Loans products. Chime raised its fourth-quarter revenue forecast to $757 million–$767 million and its full-year 2026 revenue outlook to $2.792 billion–$2.802 billion, both above analyst expectations. The company said its proposed acquisition of Stride Bank, pending regulatory approval, is expected to close in the first half of 2027 and generate more than $100 million in annual after-tax synergies.