Chime Financial (CHYM) Q3 FY2026 earnings: revenue $718 million, up 32.1% on the year
Chime Financial, Inc. (CHYM) reported revenue of $718 million for Q3 FY2026, the quarter ended 30 September 2026, up 32.1% on the same quarter a year earlier. Net income was $44 million, and diluted earnings per share $0.11. The figures are the company's own, from the 10-Q it filed with the SEC on 5 November 2026.
Revenue
$718 million
+32.1% on the year · +7.2% on the quarter
Q3 FY2024Q3 FY2026
Operating margin
4.8%
-11.9% a year earlier
Q3 FY2024Q3 FY2026
Net income
$44 million
+57.0% on the quarter
Q3 FY2024Q3 FY2026
Diluted EPS
$0.11
+57.1% on the quarter
Q3 FY2024Q3 FY2026
this quarterthe same quarter a year earlierHover a bar for its figure.
What management said
Guidance figures: 5 raised.
Revenue growth accelerated to 32%: Revenue reached $718 million, up 32% from a year earlier, after 27% growth in the second quarter.
Third straight quarter of net income: Net income was $44 million, a 6% net margin. Management described it as the third consecutive quarter of GAAP profitability.
Adjusted EBITDA margin reached 19%: Adjusted EBITDA was $137 million, a 19% margin, up 14 percentage points year over year. Restructuring charges are excluded from this non-GAAP figure.
$ million except per share. Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.
Cash flow
$ million
Q3 FY2026
Q2 FY2026
Q3 FY2025
On the quarter
On the year
Last 8 quarters
Operating cash flow
126
207
17.5
-39.2%
+621.0%
Capital expenditure
4.7
9.9
2.1
-52.4%
+130.0%
Free cash flow
121
198
15.4
-38.6%
+686.5%
Free cash flow margin
16.9%
29.5%
2.8%
Cash from investing
-41.6
-142
-424
Cash from financing
70.0
-86.7
-17.0
Depreciation and amortisation
7.9
7.6
7.5
+5.0%
+5.6%
Share-based compensation
74.2
69.4
84.8
+7.0%
-12.4%
Buybacks
0.0
136
0.0
Diluted shares, weighted
400m
393m
372m
+1.7%
+7.6%
Shares outstanding at period end
384m
379m
0
+1.4%
Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.
Balance sheet
$ million
Q3 FY2026
Q2 FY2026
Q3 FY2025
On the quarter
On the year
Last 8 quarters
Shareholders' equity
1,542
1,405
1,443
+9.8%
+6.9%
Redeemable equity
0.0
0.0
0.0
Operating lease liabilities
115
118
126
-2.3%
-8.5%
Other liabilities
550
474
393
+16.1%
+39.9%
Total liabilities and equity
2,207
1,997
1,962
+10.6%
+12.5%
Fixed assets
95.1
97.4
86.5
-2.4%
+9.9%
Goodwill
27.5
27.5
27.5
0.0%
0.0%
Investments
546
527
634
+3.6%
-13.8%
Loans
92.4
97.4
109
-5.1%
-15.2%
Cash and equivalents
637
536
445
+18.8%
+43.1%
Receivables
320
288
238
+11.2%
+34.7%
Other assets
489
423
423
+15.7%
+15.7%
Total assets
2,207
1,997
1,962
+10.6%
+12.5%
Questions
What was Chime Financial's revenue in Q3 FY2026?
Chime Financial (CHYM) reported revenue of $718 million for Q3 FY2026, the quarter ended 30 September 2026, up 32.1% on the same quarter a year earlier.
How much did Chime Financial earn in Q3 FY2026?
Net income for Q3 FY2026 was $44 million, and diluted earnings per share $0.11.
When did Chime Financial report Q3 FY2026 results?
Chime Financial filed its 10-Q for the quarter ended 30 September 2026 with the SEC on 5 November 2026.
Each quarter as filed, linked to its filing. Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.
10-Q for the period ended 30 September 2026, filed 5 November 2026: the filing.