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Chime Reports Second Quarter 2026 Financial Results

27% year-over-year revenue growth exceeds guidance

Chime Prime™ launch fuels accelerating growth in Active Members, Purchase Volume, and ARPAM

Achieves second consecutive quarter of GAAP profitability and raises full-year outlook

SAN FRANCISCO – (BUSINESS WIRE) – Aug. 5, 2026 – Chime® (Nasdaq: CHYM) today reported financial results for the quarter ended June 30, 2026.

"We delivered another strong quarter, with accelerating revenue growth, expanding margins, and a second consecutive quarter of GAAP profitability," said Chris Britt, CEO and Co-founder of Chime. "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."

Second Quarter 2026 Financial Highlights

We reported strong top-line and bottom-line growth in the second quarter, exceeding our guidance. These results build on our seasonally strong first quarter, when tax refund activity drives seasonally high transaction volumes and pulls forward member acquisition and reengagement.

•Revenue was $670 million, up 27% year over year.

◦Payments revenue grew 17% year over year to $430 million, and 21% year over year when combined with Outbound Instant Transfer (OIT) revenue. The launch of Chime Prime, our membership tier for members making qualifying direct deposits of $3,000 or more per month, contributed to an acceleration in Purchase Volume (PV) growth and, in turn, payments revenue growth.

◦Platform-related revenue grew 48% year over year to $240 million.

•Gross profit was $595 million, yielding an 89% gross margin.

•Transaction profit (non-GAAP) grew 36% year over year to $492 million, yielding a 73% transaction margin.

•Net income was $28 million and net margin was 4%, delivering our second consecutive quarter of positive GAAP net income.

•Adjusted EBITDA (non-GAAP) was $102 million. Adjusted EBITDA margin of 15% expanded more than 12 percentage points year over year, translating to a 60% incremental adjusted EBITDA margin.

•Active Members grew 20% year over year to 10.4 million. Over the last year, we added 1.7 million net new Active Members, more than any consecutive 12-month period in our history. In Q2, we added approximately 200,000 net new Active Members quarter over quarter, twice as many as we typically add in seasonally slower second quarters.

•Average Revenue per Active Member (ARPAM) grew 6% year over year to $260.

•PV growth accelerated to 17% year over year to $38 billion and 20% year over year to $39.4 billion when including OIT volume.

Business Highlights

•Chime Prime accelerates member engagement: In Q2, Chime Prime fueled the acceleration in Active Member, PV, and ARPAM growth. We added more members who deposit at least $3,000 per month than ever before. Our fastest-growing segment continues to be members making $75,000 and more annually, who are increasingly depositing more of their income to Chime. Chime Prime is also driving Chime Card

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adoption, which earns higher interchange rates, net of rewards, and credit mix is now at 27% of total PV. Chime Prime members generated more than double the ARPAM of the average Active Member.

•MyPay® transaction profit dollars more than tripled: MyPay origination volume grew to $4.5 billion in Q2, while the loss rate improved to 0.9%. Strong origination volume and a lower loss rate drove MyPay transaction profit dollars to $73 million, more than tripling the amount in one year.

•Instant Loans expansion: Instant Loans originations grew nearly 70% quarter over quarter to $300 million, while loss rate performance remained strong, with up to 50% lower loss rates for repeat borrowers. We see significant growth potential as we expand loan eligibility, increase limits and duration, and serve higher-income segments with greater liquidity needs. Based on this momentum, we expect Instant Loans to exit Q3 with an annualized revenue run rate of more than $100 million.

•Chime Enterprise continued momentum: Chime Enterprise recently signed two major new employer partners, including Allied Universal, one of the largest employers in the U.S., and a large national retailer. Together, these companies employ more than 350,000 people across the U.S.

•Chime Invest™ launches: We expanded our product portfolio with the launch of Chime Invest, bringing commission-free investing and expert-managed portfolios with no account minimums1 into the Chime app. By adding investing to where members already get paid, spend, save, and build credit, we're strengthening Chime's role as their primary financial relationship and expanding our ability to serve more Americans across every stage of their fi

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Chime Reports First Quarter 2026 Financial Results

Strong top-line momentum with 25% year-over-year revenue growth, exceeding guidance

Achieves first quarter of GAAP profitability as a public company

Raises full-year guidance and announces an additional $200 million share repurchase authorization

SAN FRANCISCO – (BUSINESS WIRE) – May 6, 2026 – Chime® (Nasdaq: CHYM), America’s #1 Choice for Banking1, today reported financial results for the quarter ended March 31, 2026.

“We’re off to a strong start in 2026, exceeding the high end of our revenue guidance, delivering strong incremental margins, and achieving our first quarter of GAAP profitability as a public company. These results underscore the strength and resilience of our business model,” said Chris Britt, CEO and Co-founder of Chime. “We also reached 10.2 million Active Members, with more Americans opening bank accounts with Chime than any other financial institution1, putting us more than 50% ahead of our closest competitor. With the launch of Chime Prime, our new premium membership tier, we’re demonstrating accelerating product velocity powered by our ChimeCore technology stack. We’re well positioned to build on this momentum with more products to help our members unlock greater financial progress.”

First Quarter 2026 Financial Highlights

We reported strong top- and bottom-line growth in the first quarter, exceeding our guidance and reflecting disciplined execution. In addition, Q1 benefits from the seasonal tailwind from tax refund-related activity.

•Revenue was $647 million, up 25% year-over-year.

◦Payments revenue grew 15% year-over-year to $433 million, and 19% year-over-year when combined with Outbound Instant Transfer (OIT) revenue.

◦Platform-related revenue grew 50% year-over-year to $215 million, reflecting continued adoption of MyPay and Instant Loans.

•Gross profit was $580 million, yielding a 90% gross margin.

•Transaction profit (non-GAAP) grew 41% year-over-year to $491 million, yielding a 76% transaction margin.

•Net income was $53 million and net margin was 8%.

•Adjusted EBITDA (non-GAAP) was $119 million. Adjusted EBITDA margin of 18% represented a 13 percentage point increase year-over-year and translated to a 73% incremental adjusted EBITDA margin.

•Active Members grew 19% year-over-year to 10.2 million, an increase of nearly 700,000 net new Active Members quarter-over-quarter.

•Average Revenue per Active Member (ARPAM) grew 5% year-over-year to $263.

•Purchase Volume (PV) increased 12% year-over-year to $39 billion and 15% year-over-year to $40 billion when including OIT volume.

First Quarter 2026 Business Highlights

•Launch of Chime Prime: We launched Chime Prime in April, our premium membership tier for members making at least $3,000 in qualifying direct deposits per month. Chime Prime offers 5% cash back on a spending category of choice with Chime Card, 3.75% APY high-yield savings rate, higher levels of liquidity through MyPay and Instant Loans, and premium perks — all with no fees. Early results show Chime Prime is increasing direct deposit intent and improving retention among existing direct depositors. Prime members are also adopting Chime Card at higher rates than non-Prime members, accelerating the

1 In a quarterly J.D. Power study conducted via consumer survey between October and December 2025, more new checking accounts were opened through Chime than any listed financial institution or financial partner. Chime offers access to checking accounts used for everyday banking. AMERICA’S #1 CHOICE FOR BANKING is a Trademark of Chime Financial, Inc.

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shift from debit to credit spend. Chime Prime is deepening our relationship with higher-earning members, who are becoming a larger portion of our member base.

•Robust Chime Card adoption drives continued mix shift: Adoption of Chime Card continues to scale across both new and existing members. Nearly half of members now use a secured credit product monthly. The share of total PV on credit – where we generate meaningfully higher take rates compared to debit – grew to nearly 25% in March, up from 16% in September prior to the Chime Card launch.

•MyPay strengthens growth and unit economics: MyPay delivered another strong quarter, generating more than $400 million in annualized revenue in Q1. We completed the rollout of our new variable pricing plan. The new model expands access to earned wages earlier in the pay cycle, addressing our most frequent member request while remaining the low-cost leader. With higher origination volumes, improved yield, and steady loss rates, transaction profit was up over tenfold year-over-year — while maintaining a 1% loss rate.

•Instant Loans expansion: We made significant progress expanding Instant Loans, which we believe is on the path to becoming a meaningful driver of transaction profit growth. In Q1, we originated $180 million of Instant Loans. We continue to see loss rates improve as

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Chime Reports Fourth Quarter and Full Year 2025 Financial Results

31% year-over-year revenue growth in full year 2025, exceeding guidance

Scaled MyPay to over $400 million in revenue run rate and achieved 1% loss rate after one year

Expects to achieve GAAP profitability in 2026

SAN FRANCISCO – (BUSINESS WIRE) – February 26, 2026 – Chime® (Nasdaq: CHYM), America’s #1 Choice for Banking1, today reported financial results for the quarter ended December 31, 2025.

“We delivered strong results in 2025, with 31% year-over-year revenue growth, expanding margins, and growing momentum as the primary account of choice for mainstream America,” said Chris Britt, CEO and Co-founder of Chime. “Today, more Americans are choosing Chime as their primary account than any other financial institution. In 2026, we plan to accelerate even further. Our proprietary technology platform, ChimeCore, has significantly increased our product velocity, we’re scaling our Enterprise channel, and we’re embedding AI across the platform to drive durable growth and profitability.”

Fourth Quarter 2025 Financial Highlights

We reported strong top- and bottom-line growth in the fourth quarter – both exceeding our guidance.

•Revenue was $596 million, up 25% year-over-year.

◦Payments revenue grew 17% year-over-year to $396 million, and 21% year-over-year when combined with Outbound Instant Transfer (OIT) revenue.

◦Platform-related revenue grew 47% year-over-year to $200 million, reflecting continued adoption of MyPay. Excluding OIT, platform-related revenue grew 37% year-over-year.

•Gross profit was $530 million, yielding an 89% gross margin.

•Transaction profit (non-GAAP) grew 31% year-over-year to $427 million, yielding a 72% transaction margin.

•Net loss was $45 million and net margin was (8)%.

•Adjusted EBITDA (non-GAAP) was $57 million. Adjusted EBITDA margin of 10% represented a 12 percentage point increase year-over-year, the largest improvement of any quarter in 2025, and translated to a 57% incremental adjusted EBITDA margin.

•Active Members grew 19% year-over-year to 9.5 million, an increase of approximately 500,000 net new Active Members quarter-over-quarter.

•Average Revenue per Active Member (ARPAM) grew 5% year-over-year to $257.

•Purchase Volume (PV) increased 13% year-over-year to $34.4 billion, and 16% year-over-year when combined with OIT volume to $35.3 billion.

Full Year 2025 Financial Highlights

We achieved robust top- and bottom-line growth in the full year 2025 – both exceeding our guidance.

•Revenue was $2.2 billion, up 31% year-over-year.

◦Payments revenue grew 18% year-over-year to $1.5 billion, and 20% year-over-year when combined with OIT revenue.

◦Platform-related revenue grew 73% year-over-year to $686 million. Excluding OIT, platform-related revenue grew 64% year-over-year.

•Gross profit was $1.9 billion, yielding an 88% gross margin.

•Transaction profit (non-GAAP) grew 22% year-over-year to $1.5 billion, yielding a 69% transaction margin.

•Net loss was $1 billion and net margin was (46)%. The net loss was primarily driven by $928 million of stock-based compensation expense and related payroll tax in Q2 2025 that was significantly elevated due to our initial public offering.

1 Checking Account ranking based on a J.D. Power survey published October 20, 2025.

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•Adjusted EBITDA (non-GAAP) was $127 million. Adjusted EBITDA margin of 6% represented a 6 percentage point increase year-over-year, exceeding our full-year guidance.

•Active Members grew 19% year-over-year, an increase of 1.5 million net new Active Members year-over-year.

•PV increased 16% year-over-year to $134 billion, and 18% year-over-year when combined with OIT volume to $136 billion.

Fourth Quarter and Full Year 2025 Business Highlights

•ChimeCore fueling efficiency and accelerating product velocity: In Q4, we completed our multi-year migration to ChimeCore, and are now 100% on our own technology stack. ChimeCore strengthens our cost-to-serve advantage by reducing transaction processing costs by an estimated 60%, supporting our long-term gross margin target of 90%. ChimeCore also enables a step-change in product velocity, driving faster development and innovation at scale.

•Strong Chime Card adoption and engagement: Since the launch of Chime Card in Q3, our first product built entirely on ChimeCore, we have seen strong adoption and engagement. Among new member cohorts, over half are adopting Chime Card, and those members are putting over 70% of their Chime spend on the product, which earns materially higher take rates compared to debit. These members also spend considerably more across debit and credit, compared to new debit-only members. This has increased credit spend as a percentage of total PV to 21% in December, up from 16% in September.

•Meaningful improvement in MyPay’s unit economics: We scaled MyPay to more than $400 million in annualized revenue in Q4, while generating a t