Chime’s first outing as a public company was a success, and CEO Chris Britt did not hedge on ambition. He waited about 30 seconds into the company’s first earnings call to tell the audience that he wants nothing less than for Chime to become “the largest provider of primary account relationships in the U.S.”By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms ...

Chime Financial (CHYM) Q2 2025 Earnings Call August 07, 2025 06:00 PM ET Company ParticipantsDavid Pearce - VP - Finance Strategy, Capital Markets & IRChris Britt - CEO, Co-Founder & DirectorMatt Newcomb - CFOJames Faucette - Managing DirectorMark Troughton - Chief Operating OfficerWill Nance - Vice PresidentDarrin Peller - Managing DirectorTimothy Chiodo - Managing DirectorSanjay Sakhrani - Managing DirectorConference Call ParticipantsTien-tsin Huang - Senior AnalystAndrew Jeffrey - Research Analyst, Finan ...

Q2'25 Financial Performance - Chime achieved revenue of $528 million in Q2'25, representing a 37% year-over-year growth[17] - Gross profit reached $461 million with a gross margin of 87%[18] - Transaction profit was $363 million, yielding a transaction margin of 69%[18] - Adjusted EBITDA stood at $16 million, a 417% increase year-over-year, with a margin of 3%[18] Key Operating Metrics - Active Members grew to 87 million, a 23% increase year-over-year[17] - Purchase Volume increased to $324 billion, an 18% year-over-year growth[17] - Average Revenue Per Active Member (ARPAM) rose to $245, a 12% year-over-year increase[17] Future Outlook - The company projects Q3'25 revenue between $525 million and $535 million, indicating a year-over-year growth of 24% to 27%[35] - Full Year 2025 revenue is expected to be between $2135 billion and $2155 billion, a 28% to 29% year-over-year growth[35] - Adjusted EBITDA for Q3'25 is projected to be between $12 million and $17 million, with a margin of 2% to 3%[35] - The company anticipates an incremental adjusted EBITDA margin in the mid-40s or higher by Q4'25[10]