Chime Financial Reports Strong Q4 2025 Earnings with 31% Revenue Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 2 days ago
0mins
Should l Buy CHYM?
Source: seekingalpha
- Significant Revenue Growth: Chime achieved a 25% year-over-year revenue increase in Q4 2025, reaching $596 million, with operating profit up 31%, indicating strong business growth and operational leverage.
- Strong Member Growth: The company added 500,000 net new active members in Q4, bringing the total to 9.5 million, with a year-over-year increase of 1.5 million, demonstrating success in attracting high-quality users.
- Product Innovation and Market Expansion: Chime launched Chime Workplace and MyPay at Work, closing the year with over $40 billion in annualized origination volume, showcasing its expansion into the enterprise channel and market acceptance of new products.
- Positive Future Outlook: Management expects 2026 revenue to range between $2.63 billion and $2.67 billion, representing a year-over-year growth of 20% to 22%, with plans to introduce premium membership services to enhance market competitiveness.
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Analyst Views on CHYM
Wall Street analysts forecast CHYM stock price to rise
12 Analyst Rating
10 Buy
2 Hold
0 Sell
Strong Buy
Current: 23.970
Low
19.00
Averages
32.55
High
40.00
Current: 23.970
Low
19.00
Averages
32.55
High
40.00
About CHYM
Chime Financial, Inc. is a consumer financial technology company. The Company offers everyday Americans access to a range of products with banking services provided by its Federal Deposit Insurance Corporation (FDIC) insured bank partners. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, secured credit cards, and other mobile banking features that allow them to manage their money and pay for their everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it for free. These products include SpotMe, which is a fee-free overdraft protection product, and MyPay, which allows its members to access up to $500 of their pay on demand before payday. It offers access to full-featured, FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Chime Financial Exceeds Q4 2025 Earnings Expectations
- Earnings Beat: Chime Financial reported Q4 2025 revenue of $596 million, a 25% increase from Q4 2024, significantly surpassing analysts' expectations of $578 million, indicating strong market performance.
- Payment Business Growth: The company's payment revenue rose 17% to $396 million, while platform-related revenue surged 47% to $200 million, reflecting ongoing expansion in its core business and robust market demand.
- Popularity of Chime Card: Over half of new members are adopting the Chime Card, with these users allocating over 70% of their spending to the product, highlighting its appeal and potential profitability in the target market.
- Optimistic Future Outlook: Chime anticipates 2026 revenue between $627 million and $637 million, representing at least 21% growth, with adjusted EBITDA projected at $380 million to $400 million, demonstrating confidence in future growth prospects.
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- Membership Growth Outlook: SoFi anticipates total membership to grow at least 30% year-over-year by 2026, projecting adjusted net revenue of approximately $4.655 billion, reflecting confidence in future growth and strategic market expansion.
- Technical Analysis Indicates Downtrend: SoFi's stock is currently trading 13.1% below its 20-day SMA and 32.5% below its 100-day SMA, indicating a clear bearish trend in both the short and medium term, warranting caution from investors.
- Analyst Rating Changes: Despite a 25.55% increase in stock price over the past 12 months, SoFi remains below its 52-week high of $32.73, with an average price target of $24.72, indicating mixed market sentiment regarding its future performance.
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Chime Financial Reports Strong Q4 Revenue Guidance, Stock Surges
- Significant Revenue Growth: Chime Financial reported fourth-quarter revenue of $596 million for fiscal year 2025, reflecting a 25% increase compared to the same quarter in 2024, showcasing the company's robust performance in the competitive fintech landscape.
- Strong Payments Segment: The company's payments revenue rose 17% to $396 million, while platform-related activities surged 47% to $200 million, indicating Chime's success in meeting customer demand and expanding market share.
- Increased Net Loss: Despite revenue growth, Chime's net loss more than doubled to $45 million, translating to a loss of $0.12 per share, which was worse than analysts' expectations of a $0.20 loss, highlighting challenges faced during expansion.
- Optimistic Future Outlook: Chime anticipates revenue for fiscal year 2026 to reach between $627 million and $637 million, representing at least 21% growth, with adjusted EBITDA projected between $380 million and $400 million, reflecting the company's confidence in future growth.
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- Mixed Market Performance: On Thursday, the S&P 500 Index fell by 0.54% and the Nasdaq 100 Index declined by 1.16%, while the Dow Jones Industrial Average rose slightly by 0.03%, indicating a divergence in market sentiment, particularly under pressure from tech stocks.
- Nvidia Earnings Impact: Nvidia reported Q4 revenue of $62.3 billion, exceeding expectations, yet its stock dropped over 5% due to uncertainties regarding the Chinese market, reflecting investor concerns about an overheated AI economy that could affect related chipmakers' performance.
- Labor Market Signals: Initial jobless claims in the US rose by 4,000 to 212,000, lower than the expected 216,000, indicating resilience in the labor market, which may provide support for the stock market, especially amid potential interest rate cuts by the Fed.
- Geopolitical Risks Intensify: President Trump threatened military action against Iran, heightening market uncertainty; although there are signs of progress in US-Iran nuclear negotiations, geopolitical risks remain a focal point for investors and could negatively impact the stock market.
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- Market Weakness: The S&P 500 index fell by 0.74% and the Nasdaq 100 index dropped by 1.40%, indicating market concerns over Nvidia's earnings failing to alleviate worries about an overheated AI economy, which pressured chipmakers and AI infrastructure stocks.
- Nvidia Earnings Impact: Despite Nvidia reporting Q4 revenue of $62.3 billion, surpassing the consensus of $60.36 billion, its stock declined over 4% due to concerns regarding the Chinese market, reflecting investor doubts about demand durability.
- Salesforce Strong Performance: Salesforce shares rose more than 3%, leading software stocks higher after it provided a strong long-term sales outlook and announced a large share buyback, alleviating fears of AI disruption in the software sector.
- Geopolitical Risks Intensify: Ongoing nuclear talks between the US and Iran have heightened geopolitical risks, with President Trump threatening military action against Iran, which has further impacted investor sentiment and market stability.
See More
Mixed U.S. Stock Market as Nvidia Earnings Fail to Boost Investor Confidence
- Mixed Market Performance: The S&P 500 Index is down 0.35% while the Dow Jones Industrial Average is up 0.29%, indicating a divergence in market sentiment, particularly after Nvidia's earnings failed to alleviate concerns about an overheated AI economy, putting pressure on chipmakers and AI infrastructure stocks.
- Nvidia Earnings Reaction: Nvidia reported Q4 revenue of $62.3 billion, exceeding the consensus of $60.36 billion; however, its stock fell over 3% due to ongoing uncertainties regarding the Chinese market, reflecting investor concerns about demand durability.
- Support from Job Data: Initial jobless claims in the U.S. rose by 4,000 to 212,000, which was better than the expected 216,000, indicating labor market strength and potentially providing some support for the stock market amidst mixed signals.
- Geopolitical Risks: As nuclear talks between the U.S. and Iran progress, President Trump has threatened limited military action against Iran, heightening market uncertainty, although easing geopolitical tensions have provided some temporary relief to stocks.
See More
Chime Financial Exceeds Q4 2025 Earnings Expectations
- Earnings Beat: Chime Financial reported Q4 2025 revenue of $596 million, a 25% increase from Q4 2024, significantly surpassing analysts' expectations of $578 million, indicating strong market performance.
- Payment Business Growth: The company's payment revenue rose 17% to $396 million, while platform-related revenue surged 47% to $200 million, reflecting ongoing expansion in its core business and robust market demand.
- Popularity of Chime Card: Over half of new members are adopting the Chime Card, with these users allocating over 70% of their spending to the product, highlighting its appeal and potential profitability in the target market.
- Optimistic Future Outlook: Chime anticipates 2026 revenue between $627 million and $637 million, representing at least 21% growth, with adjusted EBITDA projected at $380 million to $400 million, demonstrating confidence in future growth prospects.
See More
SoFi Technologies Faces Market Challenges Amid Broader Decline
- Earnings Beat: SoFi reported earnings of 13 cents per share on January 30, exceeding the consensus estimate of 12 cents, with revenue increasing by $273.72 million year-over-year, demonstrating resilience in a competitive fintech landscape.
- Membership Growth Outlook: SoFi anticipates total membership to grow at least 30% year-over-year by 2026, projecting adjusted net revenue of approximately $4.655 billion, reflecting confidence in future growth and strategic market expansion.
- Technical Analysis Indicates Downtrend: SoFi's stock is currently trading 13.1% below its 20-day SMA and 32.5% below its 100-day SMA, indicating a clear bearish trend in both the short and medium term, warranting caution from investors.
- Analyst Rating Changes: Despite a 25.55% increase in stock price over the past 12 months, SoFi remains below its 52-week high of $32.73, with an average price target of $24.72, indicating mixed market sentiment regarding its future performance.
See More
Chime Financial Reports Strong Q4 Revenue Guidance, Stock Surges
- Significant Revenue Growth: Chime Financial reported fourth-quarter revenue of $596 million for fiscal year 2025, reflecting a 25% increase compared to the same quarter in 2024, showcasing the company's robust performance in the competitive fintech landscape.
- Strong Payments Segment: The company's payments revenue rose 17% to $396 million, while platform-related activities surged 47% to $200 million, indicating Chime's success in meeting customer demand and expanding market share.
- Increased Net Loss: Despite revenue growth, Chime's net loss more than doubled to $45 million, translating to a loss of $0.12 per share, which was worse than analysts' expectations of a $0.20 loss, highlighting challenges faced during expansion.
- Optimistic Future Outlook: Chime anticipates revenue for fiscal year 2026 to reach between $627 million and $637 million, representing at least 21% growth, with adjusted EBITDA projected between $380 million and $400 million, reflecting the company's confidence in future growth.
See More
US Stocks Close Mixed: Dow Rises Slightly, Nasdaq Declines
- Mixed Market Performance: On Thursday, the S&P 500 Index fell by 0.54% and the Nasdaq 100 Index declined by 1.16%, while the Dow Jones Industrial Average rose slightly by 0.03%, indicating a divergence in market sentiment, particularly under pressure from tech stocks.
- Nvidia Earnings Impact: Nvidia reported Q4 revenue of $62.3 billion, exceeding expectations, yet its stock dropped over 5% due to uncertainties regarding the Chinese market, reflecting investor concerns about an overheated AI economy that could affect related chipmakers' performance.
- Labor Market Signals: Initial jobless claims in the US rose by 4,000 to 212,000, lower than the expected 216,000, indicating resilience in the labor market, which may provide support for the stock market, especially amid potential interest rate cuts by the Fed.
- Geopolitical Risks Intensify: President Trump threatened military action against Iran, heightening market uncertainty; although there are signs of progress in US-Iran nuclear negotiations, geopolitical risks remain a focal point for investors and could negatively impact the stock market.
See More
US Stocks Mostly Lower as Nvidia Earnings Fail to Boost Market Sentiment
- Market Weakness: The S&P 500 index fell by 0.74% and the Nasdaq 100 index dropped by 1.40%, indicating market concerns over Nvidia's earnings failing to alleviate worries about an overheated AI economy, which pressured chipmakers and AI infrastructure stocks.
- Nvidia Earnings Impact: Despite Nvidia reporting Q4 revenue of $62.3 billion, surpassing the consensus of $60.36 billion, its stock declined over 4% due to concerns regarding the Chinese market, reflecting investor doubts about demand durability.
- Salesforce Strong Performance: Salesforce shares rose more than 3%, leading software stocks higher after it provided a strong long-term sales outlook and announced a large share buyback, alleviating fears of AI disruption in the software sector.
- Geopolitical Risks Intensify: Ongoing nuclear talks between the US and Iran have heightened geopolitical risks, with President Trump threatening military action against Iran, which has further impacted investor sentiment and market stability.
See More
Mixed U.S. Stock Market as Nvidia Earnings Fail to Boost Investor Confidence
- Mixed Market Performance: The S&P 500 Index is down 0.35% while the Dow Jones Industrial Average is up 0.29%, indicating a divergence in market sentiment, particularly after Nvidia's earnings failed to alleviate concerns about an overheated AI economy, putting pressure on chipmakers and AI infrastructure stocks.
- Nvidia Earnings Reaction: Nvidia reported Q4 revenue of $62.3 billion, exceeding the consensus of $60.36 billion; however, its stock fell over 3% due to ongoing uncertainties regarding the Chinese market, reflecting investor concerns about demand durability.
- Support from Job Data: Initial jobless claims in the U.S. rose by 4,000 to 212,000, which was better than the expected 216,000, indicating labor market strength and potentially providing some support for the stock market amidst mixed signals.
- Geopolitical Risks: As nuclear talks between the U.S. and Iran progress, President Trump has threatened limited military action against Iran, heightening market uncertainty, although easing geopolitical tensions have provided some temporary relief to stocks.
See More
