Chime CEO Chris Britt: It's our job to educate investors on enormous opportunity ahead

Financial Performance - Chime reported a 29% revenue growth in the third quarter [1][12] - The company announced a $200 million buyback [1] - Chime has over 9 million active members [1][13] - The company raised its full-year outlook [1][12] Market Position & Growth - Chime was at the top of the list for companies that opened the most checking accounts in America, above every major bank [3] - Chime is considered the go-to bank account for consumers earning below $100,000 a year, representing about 70% of the country [4] - The company grew its active member base by over 400,000 new members to 91 million actives [13] Consumer Spending & Credit Quality - Transaction activity among Chime members indicates a resilient consumer with more discretionary spending [5] - Chime has reduced losses on its My Pay product well ahead of schedule [7] - Loss rates on the My Pay product have decreased by 20 percentage points in the past quarter [10] New Products & Services - Chime launched a new product called Chime Card, offering 15% cash back on essential everyday spending [13] - Chime Card offers an interest rate of 35%, which is about eight times the national average [14]