Business
Chime Reports Fourth Quarter and Full Year 2025 Financial Results
31% year-over-year revenue growth in full year 2025, exceeding guidance Scaled MyPay to over $400 million in revenue run rate and achieved 1% loss rate after
About this update from Chime Financial, Inc.
[{"type":"text","content":"\n31% year-over-year revenue growth in full year 2025, exceeding guidance\n\n\nScaled MyPay to over $400 million in revenue run rate and achieved 1% loss rate after one year\n\n\nExpects to achieve GAAP profitability in 2026\n\n\n SAN FRANCISCO--(BUSINESS WIRE)--\nChime® (Nasdaq: CHYM), America’s #1 Choice for Banking1, today reported financial results for the quarter ended December 31, 2025.\n\n\n“We delivered strong results in 2025, with 31% year-over-year revenue growth, expanding margins, and growing momentum as the primary account of choice for mainstream America,” said Chris Britt, CEO and Co-founder of Chime. “Today, more Americans are choosing Chime as their primary account than any other financial institution. In 2026, we plan to accelerate even further. Our proprietary technology platform, ChimeCore, has significantly increased our product velocity, we’re scaling our Enterprise channel, and we’re embedding AI across the platform to drive durable growth and profitability.”\n\n\nFourth Quarter 2025 Financial Highlights\n\n\nWe reported strong top- and bottom-line growth in the fourth quarter – both exceeding our guidance.\n\n\n\nRevenue was $596 million, up 25% year-over-year.\n\n\nPayments revenue grew 17% year-over-year to $396 million, and 21% year-over-year when combined with Outbound Instant Transfer (OIT) revenue.\n\n\n\nPlatform-related revenue grew 47% year-over-year to $200 million, reflecting continued adoption of MyPay. Excluding OIT, platform-related revenue grew 37% year-over-year.\n\n\n\n\n\n\nGross profit was $530 million, yielding an 89% gross margin.\n\n\n\nTransaction profit (non-GAAP) grew 31% year-over-year to $427 million, yielding a 72% transaction margin.\n\n\n\nNet loss was $45 million and net margin was (8)%.\n\n\n\nAdjusted EBITDA (non-GAAP) was $57 million. Adjusted EBITDA margin of 10% represented a 12 percentage point increase year-over-year, the largest improvement of any quarter in 2025, and translated to a 57% incremental adjusted EBITDA margin.\n\n\n\nActive Members grew 19% year-over-year to 9.5 million, an increase of approximately 500,000 net new Active Members quarter-over-quarter.\n\n\n\nAverage Revenue per Active Member (ARPAM) grew 5% year-over-year to $257.\n\n\n\nPurchase Volume (PV) increased 13% year-over-year to $34.4 billion, and 16% year-over-year when combined with OIT volu...