Chime Financial, Inc. · NASDAQ:CHYM
Chime Financial — Q3 2025 Earnings Presentation
27 slides from Chime Financial's earnings presentation, Nov 5, 2025
Slide 1: Q3'25 Supplemental Presentation
Q3ʼ25 Supplemental Presentation
Slide 2: Disclaimer
Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which statements involve substantial risks and uncertainties. F
Slide 3: Our mission: Unite everyday people to unlock their financial progress
Our mission: Unite everyday people to unlock their financial progress Confidential | 3
Slide 4: Chime at a glance
Chime at a glance #1 destination for consumers earning up to $100k switching their direct deposit relationship 1 Market Leader #1 share of new checking accounts according to J.D. Power2 #1 bank brand according to TIME3 Deep Member Majority of our Active Members rely on Chime as their primary financia
Slide 5: Our momentum continued in Q3: Active Members, product suite, cost advantage
Our momentum continued in Q3: we grew our Active Members, expanded our product suite, and strengthened our cost advantage Strong Active Member Chime Card makes fee-free Over 50% Q/Q increase in growth at lower CACs banking more rewarding MyPay transaction margin ● Grew Active Members 21% Y/Y while ●
Slide 6: Q3'25 Financial Results
Q3ʼ25 Financial Results Confidential | 6
Slide 7: 29% Y/Y revenue growth and 9pp adj. EBITDA margin growth
In Q3, we delivered 29% Y/Y revenue growth while growing adj. EBITDA margin by 9 percentage points Y/Y Key Operating Metrics1 Financial Highlights1 Q3’25 Y/Y Q3’25 Y/Y Margin Active 9.1M +21% Revenue $544M +29% – Members Purchase $32.3B +15% Gross Volume +18% with OIT Profit $474M +29% 87% ARPAM Tran
Slide 8: 21% Y/Y member growth, adding 1.6M Active Members
Active Members We drove 21% Y/Y member growth in Q3, adding 1.6M Active Members Y/Y while reducing CAC by >10% Y/Y for the 3rd straight quarter Active Members (in millions) Q1 benefits from tax +1.6M Y/Y refund-related seasonality1 +21% Y/Y +1.2M Y/Y 9.1 8.6 8.7 +19% Y/Y 8.0 7.5 7.0 7.1 6.6 6.3 Q3’23
Slide 9: Cohorts tracking to 5-6 quarter payback; 8x+ LTV:CAC
Active Members Recent cohorts are tracking to 5-6 quarter payback; cohorts maintain strong transaction profit ROI year after year with 8x+ LTV:CAC Cumulative Transaction Profit less CAC per Cumulative Transaction Profit per Original Original Active Member by Cohort Active Member by Quarterly Cohort Hi
Slide 10: Purchase Volume growth of 15% Y/Y in Q3
Purchase Volume We see continued consistent spending among our members, with Purchase Volume growth of 15% Y/Y in Q3, and 18% Y/Y inclusive of OIT Purchase and OIT Volume (in billions) OIT Volume Since launching in Jan’25, OIT volume has $34.7 scaled rapidly to $640M in Q3 Purchase Volume $0.2 $32.8
Slide 11: ARPAM grew 6% Y/Y to $245
ARPAM ARPAM grew 6% Y/Y to $245 in Q3 as we continue to deepen engagement across our platform Annual ARPAM 6% Q1 benefits from tax Y/Y refund-related seasonality1 $245 $251 $245 $245 $231 $231 $218 $208 $212 Q3’23 Q4’23 Q1’24 Q2’24 Q3’24 Q4’24 Q1’25 Q2’25 Q3’25 Initial rollout of MyPay (1) Tax refund
Slide 12: Higher attach rates; tenured cohorts reaching ARPAM over $350
ARPAM Weʼre driving higher attach rates across our growing product ecosystem, with tenured cohorts reaching ARPAM of over $350 ARPAM grows as cohorts mature, with tenured Newer cohorts are attaching to more products faster cohorts exceeding $350 Product Attach – All Active Members1 Cohorted ARPAM2 Q
Slide 13: Expansion in Active Members and ARPAM drove revenue growth
Revenue Expansion in both Active Members (21% Y/Y) and ARPAM (6% Y/Y) drove revenue growth of 29% Y/Y in Q3 Revenue (in millions) Q1 benefits from tax Total refund-related seasonality1 Revenue: 29% Y/Y $572-582 $528 $544 $519 2 Platform-Related Revenue $475 Payments Revenue3 $422 $143 $162 $180 $392
Slide 14: Transaction margin expanded 69bps Q/Q in Q3
Gross & Transaction Margin Transaction margin expanded 69bps Q/Q in Q3, and we expect further growth in Q4 from ChimeCore migration Gross Profit & Transaction Profit (in millions) Gross Profit: 29% Y/Y Transaction Profit: 20% Y/Y Gross Profit Transaction Profit $461 $474 $458 $419 $368 $345 $334 $302 $253
Slide 15: MyPay loss rates improved to 1.2%
MyPay In Q3, we improved MyPay loss rates over 20 bps Q/Q to 1.2%, with MyPay transaction margin now over 45% Q1’25 Q2’25 Q3’25 Steady State target MyPay Loss Rates 1.7% 1.4% 1.2% 1.0% Revenue $64M $78M $88M Losses $58M $55M $47M Transaction Margin 10% 30% 46% Confidential | 15
Slide 16: Strong operating leverage in non-GAAP OpEx
xNon-GAAP OpEx Weʼve driven strong operating leverage, with non-GAAP OpEx as a % of revenue improving 14 pp Y/Y in Q3 Non-GAAP OpEx as % of Revenue1 Non-GAAP G&A Non-GAAP MS&O Non-GAAP T&D Non-GAAP S&M (7)pp Y/Y 85% 86% (14)pp 9% 11% 78% 78% Y/Y 75% 72% 10% 10% 9% 66% 65% 19% 19% 10% 63% 8% 9% 8% 19
Slide 17: Adj. EBITDA margin improved 9pp Y/Y
Adj. EBITDA In Q3 we improved adj. EBITDA margin by 9pp Y/Y, and expect further acceleration in Q4 Adjusted EBITDA Margin 8% 5% 5% 4% 3% 1% -3% -3% +1pp +2pp +9pp +11pp -8% Q1'24- Q2'24- Q3'24- Q4'24- Q1'25 Q2'25 Q3'25 Q4'25 -22% Q3’23 Q4’23 Q1’24 Q2’24 Q3’24 Q4’24 Q1’25 Q2’25 Q3’25 Q4ʼ25 Guidance A
Slide 18: Raising Q4 and FY outlook for revenue and adj. EBITDA
Given continued business momentum, we are raising our Q4 and FY outlook for both revenue and adj. EBITDA Chime’s financial outlook for the fourth quarter and full year 2025 Q4’25 Full Year 2025 Revenue $572 to $582 million $2.163 to $2.173 billion Y/Y Growth 20% to 23% 29% to 30% Adjusted EBITDA $43
Slide 19: Stock based compensation 16% of revenue in Q3
Stock based compensation totaled 16% of revenue in Q3 and we expect to see leverage going forward Fully Diluted Share Count (in millions)1 Stock Based Compensation Expense (in millions) Other Potential Dilutive Securities2 IPO Bullet Charge5 Pre-IPO Preferred Stock3 31M common stock Stock-based char
Slide 20: Appendix
Appendix
Slide 21: GAAP to non-GAAP reconciliation: transaction profit and margin
GAAP to non-GAAP reconciliation: transaction profit and margin Three months ended (in thousands, March 31, June 30, September December March 31, June 30, September December March 31, June 30, September except 2023 2023 30, 2023 31, 2023 2024 2024 30, 2024 31, 2024 2025 2025 30, 2025 percentages) Rev
Slide 22: GAAP to non-GAAP reconciliation: adjusted EBITDA and margin
GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin Three months ended (in thousands, except March 31, June 30, September December March 31, June 30, September December March 31, June 30, September percentages) 2023 2023 30, 2023 31, 2023 2024 2024 30, 2024 31, 2024 2025 2025
Slide 23: GAAP to non-GAAP reconciliation: operating expenses
GAAP to non-GAAP reconciliation: operating expenses Three months ended (in thousands, except March 31, June 30, September December March 31, June 30, September December March 31, June 30, September percentages) 2023 2023 30, 2023 31, 2023 2024 2024 30, 2024 31, 2024 2025 2025 30, 2025 Member support
Slide 24: GAAP to non-GAAP reconciliation: operating expenses
GAAP to non-GAAP reconciliation: operating expenses Three months ended (in thousands, except March 31, June 30, September December March 31, June 30, September December March 31, June 30, September percentages) 2023 2023 30, 2023 31, 2023 2024 2024 30, 2024 31, 2024 2025 2025 30, 2025 Technology and
Slide 25: GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin
GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin Twelve months ended December 31, 2023 December 31, 2024 (in thousands, except percentages) Net Income (loss) $ (203,202) $ (25,344) Adjusted for: Depreciation and amortization expense 12,937 25,370 Other (income) expense, net1 (32,817)
Slide 26: Definitions
Definitions “Acquisition cost per new Active Member,” or “CAC” refers to the total amount “Gross profit” is defined as revenue less cost of revenue. of the following expenses: advertising, brand marketing, referral bonuses, and other marketing incentives, incurred in the acquisition of new Active Memb
Slide 27: chime
chime: chime