Chime reports $718M Q3 revenue, up 32%, and raises its 2026 outlook

Chime reported third-quarter revenue of $718 million, up 32% year over year, and net income of $44 million, its third straight quarter of GAAP profitability. Net margin was 6%. Gross profit was $646 million, a 90% gross margin.

Active members grew 20% to 10.9 million, and average revenue per active member rose 10% to $270.

Chime raised its guidance. It now expects fourth-quarter revenue of $757 million to $767 million, up 27% to 29%, with adjusted EBITDA of $161 million to $166 million. For 2026 it expects revenue of $2.792 billion to $2.802 billion, up 28%, and adjusted EBITDA of $519 million to $524 million, a margin of about 19%.

CEO Chris Britt called it the company's strongest quarter yet as a public company.