Chime Financial Inc-A(US:CHYM)2025-11-05 22:00Q3 2025 Financial Performance - Chime achieved revenue of $544 million, a 29% year-over-year increase[8, 16] - Adjusted EBITDA reached $29 million, with a margin of 5%, representing a 9 percentage point improvement year-over-year[8, 16] - Gross profit was $474 million, resulting in a gross margin of 87%[16] - Transaction profit amounted to $377 million, yielding a transaction margin of 69%[16] Key Metrics and Growth - Active Members grew to 91 million, a 21% increase year-over-year[16, 17] - Purchase Volume reached $323 billion, a 15% increase year-over-year, and 18% increase year-over-year including Outbound Instant Transfer (OIT)[16, 23] - Average Revenue Per Active Member (ARPAM) increased by 6% year-over-year to $245[16, 28] Operational Efficiency and Outlook - Customer Acquisition Cost (CAC) decreased by over 10% for the third consecutive quarter[9, 17] - The company is raising its Q4 2025 revenue outlook to $572 million - $582 million, representing a year-over-year growth of 20% to 23%[49] - The full year 2025 revenue outlook is raised to $2163 billion - $2173 billion, representing a year-over-year growth of 29% to 30%[49] - The Q4 adjusted EBITDA outlook is $43 million - $48 million, with an 8% margin[49]