Chime Active Members Hit 9.5M as Demand Grows for Earned Wage Access

Core Insights - Chime's Q4 2025 results show increased usage of the Chime Card and growth in members using the platform as their primary financial relationship [1][2] Spending Trends - Over half of new cohort members are adopting the Chime Card, using it for over 70% of their spending [2] - Credit spending as a share of purchase volume rose to 21% in December from 16% in September, with credit transactions generating roughly twice the take rate of debit purchases [3] - Despite inflation concerns, member spending remained stable, with 70% of purchase volume in nondiscretionary categories, indicating consistent transaction activity [4] Revenue and Growth - Chime reported Q4 revenue of $596 million, a 25% year-over-year increase, with purchase volume at $34.4 billion and active members totaling 9.5 million, up by 500,000 year on year [6] - Revenue growth is attributed to product mix, higher credit penetration, and increased engagement from newer cohorts [6] MyPay Performance - MyPay reached a revenue run rate exceeding $400 million in Q4, with a transaction margin nearing 60% and loss rates at approximately 1% [10][11] - A new variable pricing model aims to widen access while maintaining profitability [11] Profitability Outlook - Chime expects GAAP profitability for the remainder of the year, with 2026 revenue guidance between $2.63 billion and $2.67 billion, and adjusted EBITDA of $380 million to $400 million [13] - The company anticipates maintaining growth momentum and further operating leverage in 2026 [14]