Chime Financial, Inc. · NASDAQ:CHYM
Chime Financial — William Blair Conference (June 2026)
31 slides from Chime Financial's conference presentation, June 2026
Slide 1: Welcome to Chime
June 2026 Welcome to Chime chime’
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
Our Mission To unite everyday people to unlock their financial progress.
Slide 4: More Americans are choosing Chime than any other financial institution
More Americans are choosing Chime than any other financial institution Share of households switching their direct Active Members (Millions)2 deposit destination1 GR % CA 21 (1) Based on a Chime commissioned third-party survey conducted in July 2025 targeting Americans aged 18 to 54 years with a hous
Slide 5: Cohorted ARPAM and depth of engagement
The depth of our engagement is unparalleled in Consumer Fintech, with Avg. Revenue per Active Member (ARPAM) that nearly triples over time ARPAM grows as cohorts mature, with Monthly Transactions per Customer1 tenured cohorts exceeding $400 53 Over 2x more monthly engagement than next fintech Cohort
Slide 6: Chime offers the most rewarding banking for everyday Americans
Chime offers the most rewarding banking for everyday Americans Up to 5% cash back rewards High yield savings: up to 3.75% APY Low-cost earned wage access Instant loans Free overdraft protection 47,000+ fee-free ATM network Automatic savings tools No min balances or maintenance fees 6
Slide 7: Chime helps mainstream Americans make financial progress
Chime helps mainstream Americans make financial progress “ 90% who direct deposit through Chime came from an Chime has helped me save more money. My existing direct deposit relationship (most financial situation has completely turned around. commonly from large incumbent banks)1 Everything is just b
Slide 8: We are compounding growth across multiple dimensions
We are compounding growth across multiple dimensions, driving durable transaction profit growth Our Winning Formula for Growth LTM Transaction Profit by Annual Cohort ($M) Q1ʼ26 Y/Y Active Members 10.2M +19% 100%+ Net dollar Transaction Profit retention among all cohorts for last twelve months x ARP
Slide 9: Consistent revenue and margin expansion, reaching GAAP profitability in Q1'26
Weʼve driven consistent revenue and margin expansion, reaching GAAP profitability in Q1ʼ26 Revenue (in millions) Adj. EBITDA Margin Long-Term Target: 35%+ Platform-Related Revenue1 16% Payments Revenue 2 $2,660-$2,690 $2,187 R AG %C 28 $1,673 n io ns pa $1,278 ex n gi $1,009 ar m 6 pp +5 Guidance sh
Slide 10: We're pursuing a $425B+ total addressable market in the US
We’re pursuing a $425B+ total addressable market in the US Active Members (Average Revenue per Active ARPAM Member based on Q1ʼ26) Revenue Opportunity Today: 10.2M1 $2632 $2.5B+ Revenue run rate Currently 196M3 $5324 $100B+ serviceable: Americans earning up 6+ products Annual revenue opportunity to
Slide 11: Four core competitive advantages fuel our market leadership
Four core competitive advantages fuel our market leadership 1 2 3 4 Radical Track record of Primary Loved brand cost-to-serve innovating new, account championed by and technology member-aligned relationships a passionate advantage products community 3-5x 4+ 8x+ #1 cost-to-serve advantage products us
Slide 12: Traditional banks cannot serve everyday Americans without punitive fees
1. Traditional banks structurally cannot serve everyday Americans without relying on punitive fees Legacy tech and in-person branches …and focus on net interest margin income inflate banksʼ cost-to-serve… which works only large balance customers… …so they rely on punitive fees Cost-to-serve for a tr
Slide 13: Our 3-5x cost advantage enables us to serve the largest segment
1. Our 3-5x cost advantage enables us to serve the largest segment of the market, with the highest NPS, with 70%+ transaction margin Proprietary platform and digital first approach …powering an asset-light, …building trust & profit with our members unlocks a 3-5x cost-to-serve advantage… payments-dr
Slide 14: Product velocity is strengthening member engagement and loyalty
2. Product velocity is strengthening member engagement and loyalty Newer cohorts are attaching to more products faster Recent product launches Product Attach – All Active Members1 MyPay Chime Card Instant Loans Chime+ Chime Workplace 2026 Product Roadmap Members using 6+ products per month, 15% of a
Slide 15: Primary account relationships drive durable cohorts and strong unit economics
3. Primary account relationships drive durable cohorts and strong unit economics, with LTV:CACs of 8x+ Cumulative Transaction Profit less CAC per Cumulative Transaction Profit per Original Active Original Active Member by Quarterly Cohort Member by Quarterly Cohort 100%+ LTM net dollar Transaction P
Slide 16: Primary accounts enable low cost credit products at scale
3. Primary accounts enable us to offer low cost credit products at scale, with low credit risk Chime credit products ● Low cost liquidity for everyday transactions and episodic use cases ● Loved by members SpotMe MyPay Instant Loans Our competitive advantages ● Privileged repayment position from Ove
Slide 17: High brand awareness and passionate community sustains growth
4. High brand awareness and our passionate Chime member community sustains Active Member growth Unaided Awareness for Online Banking1 Leading Major Banks and Chime #1 Banking brand according to Time2 51% 44% 41% 41% #1 NPS among Fintechs3 P2P Platforms Share of households switching 22% 20% 10% #1 th
Slide 18: Chime Workplace opens a new channel for growth
4. Chime Workplace opens a new channel for growth For employers & employees ● Employee financial wellness platforform including fee free Earned Wage Access, High Yield Savings and (coming soon) Investing ● Driver of employee satisfaction, engagement and retention For Chime ● Access to millions of po
Slide 19: Chime is defining Consumer Finance in the AI era
Chime is defining Consumer Finance in the AI era Product Velocity & Margin Expansion Enhanced Consumer Experience Speed and efficiency: Jade AI co-pilot ● 84% of code is AI-assisted ● Powered by unique real-time view of our ● 70%+ customer interactions handled by AI membersʼ financial lives ● $1.5M
Slide 20: We are just getting started…
We are just getting started… #1 destination for consumers earning up to $100k switching their direct deposit relationship 1 Market Leader #1 banking brand according to TIME2 Deep Member Majority of our Active Members rely on Chime as their primary financial relationship3 Engagement Deep, long-lastin
Slide 21: Thank you
Thank you
Slide 22: Appendix
Appendix
Slide 23: 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 30, December 31, March 31, June 30, September 30, December 31, March 31, except 2024 2024 2024 2024 2025 2025 2025 2025 2026 percentages) Revenue $ 391,972 $ 384,214 $ 421,87
Slide 24: GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin
GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin Three months ended (in thousands, except March 31, June 30, September 30, December 31, March 31, June 30, September 30, December 31, March 31, percentages) 2024 2024 2024 2024 2025 2025 2025 2025 2026 Net income (loss) $ 15,
Slide 25: GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin
GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin Year ended December 31, (in thousands, except percentages) 2022 2023 2024 2025 Net loss $ (470,254) $ (203,202) $ (25,344) $ (1,009,936) Net margin (47%) (16%) (2%) (46%) Adjusted for: Depreciation and amortization expense 7
Slide 26: GAAP to non-GAAP reconciliation: operating expenses
GAAP to non-GAAP reconciliation: operating expenses Three months ended March 31, June 30, September 30, December 31, March 31, June 30, September 30, December 31, March 31, (in thousands, except percentages) 2024 2024 2024 2024 2025 2025 2025 2025 2026 Member support and operations $ 68,068 $ 69,821
Slide 27: GAAP to non-GAAP reconciliation: operating expenses
GAAP to non-GAAP reconciliation: operating expenses Three months ended March 31, June 30, September 30, December 31, March 31, June 30, September 30, December 31, (in thousands, except percentages) March 31, 2026 2024 2024 2024 2024 2025 2025 2025 2025 Technology and development $ 74,930 $ 75,371 $
Slide 28: GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin
GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin Three months ended Twelve months ended March 31, March 31, December 31, December 31, (in thousands, except percentages) 2025 2026 2024 2025 Net Income (loss) $ 12,939 $ 53,456 $ (25,344) $ (1,009,936) Adjusted for: Depreciation and amor
Slide 29: Estimated LTV:CAC
Estimated LTV:CAC Three months ended March 31, 2026 ARPAM $ 263 Transaction Margin 76% Active Member churn in second year and thereafter 10% LTV $1,995 CAC $107 Active Member churn in first year 50% CAC including Year 1 Churn $214 LTV / CAC 9.3x 29
Slide 30: Definitions
Definitions “Acquisition cost per new Active Member,” or “CAC” refers to the total amount “Incremental adjusted EBITDA margin” is defined as the period on period of the following expenses: advertising, brand marketing, referral bonuses, and other change in adjusted EBITDA divided by the period on per
Slide 31: chime:
chime:
Chime Financial — William Blair Conference (June 2026) on 6ix