Chime Financial, Inc. · NASDAQ:CHYM

Chime Financial — Q1 2026 Earnings Presentation

32 slides from Chime Financial's earnings presentation, May 6, 2026

1. Slide 1: Q1'26 Supplemental Presentation

   Q1ʼ26 Supplemental Presentation

2. 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

3. Slide 3: Our Mission

   Our Mission To unite everyday people to unlock their financial progress.

4. 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 banking brand according to TIME3 Deep Member Majority of our Active Members rely on Chime as their primary fina

5. Slide 5: We lead the market in growth and engagement

   We lead the market in growth and engagement Share of New Checking Account Openings1 Monthly Transactions per Customer2 53 13% Over 50% more than Over 2x more monthly the largest bank engagement than next fintech 8% 7% 6% 24 5% ~20 5% 3% 2% ~10 2% 2% 6 ~3 ~2 (1) J.D. Power “Fintech Brands Continue to

6. Slide 6: Tailwinds supporting strong growth and continued operating leverage in '26 and beyond

   We have several tailwinds supporting strong growth and continued operating leverage in ‘26 and beyond Consistent Growth Multiple Near-term New Product and in our Core Business Revenue Growth Drivers GTM Roadmap Investment products A growing member base – fueled Chime Card Trump accounts by our marke

7. Slide 7: Accelerating product velocity is driving momentum across our business

   Accelerating product velocity is driving momentum across our business Strong Active Member growth Launched Chime Prime: the Chime Card grew credit mix to at attractive paybacks most rewarding way to bank ~25%1, from 16% last year ● Added nearly 700k net new Actives in Q1, our ● Chime Prime offers me

8. Slide 8: Financial Results

   Q1ʼ26 Financial Results

9. Slide 9: Q1 25% Y/Y revenue growth, 73% incremental adj. EBITDA margin, first GAAP profit post-IPO

   In Q1, we delivered 25% Y/Y revenue growth, 73% incremental adj. EBITDA margin, and our first quarter of GAAP profit post-IPO Key Operating Q1ʼ26 Y/Y Financial Q1ʼ26 Y/Y Margin Metrics Highlights Active Revenue $647M +25% – Members 10.2M +19% Gross $580M +27% 90% Profit Purchase $38.7B +12% Volume +

10. Slide 10: Recent initiatives drove strong growth in Payments and Platform-related revenue

    Revenue Recent initiatives – incl. Chime Card, MyPay, and Instant Loans – drove strong growth in both Payments and Platform-related revenue in Q1 Total Revenue (in millions) Revenue: Q1 benefits from tax 25% Y/Y refund-related seasonality1 $647 $633-643 2 $596 Platform-Related Revenue $544 $215 Paym

11. Slide 11: We added nearly 700k Active Members Q/Q, now over 10M

    Active Members In Q1, we added nearly 700k Active Members Q/Q, and 1.6M Y/Y, and now serve over 10M total Active Members Active Members (in millions) +1.6M Y/Y Q1 benefits from tax +19% Y/Y refund-related seasonality1 +1.6M Y/Y +23% Y/Y 10.2 9.5 9.1 8.6 8.7 8.0 7.5 7.0 7.1 Q1ʼ24 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1

12. Slide 12: Efficient payback periods and durable cohort performance drive LTV:CACs of 8x+

    Active Members Efficient payback periods and durable cohort performance drive LTV:CACs of 8x+ Cumulative Transaction Profit less CAC per Cumulative Transaction Profit per Original Active Original Active Member by Cohort Member by Quarterly Cohort 100%+ LTM net dollar Transaction Profit retention1 for

13. Slide 13: Resilient member spend and higher Chime Card take rates drove 19% Payments + OIT revenue growth

    Purchase Volume Resilient member spend trends, combined with higher take rates from Chime Card, drove 19% Payments + OIT Revenue growth in Q1 Purchase and OIT Volume (in billions) 1 $39.9 OIT Volume $1.2 Purchase Volume $34.8 $35.3 $0.2 $32.9 $33.0 $0.9 $0.4 $0.6 $29.2 $30.4 $27.6 $28.0 $38.7 $34.5

14. Slide 14: Chime Prime, our new premium membership tier

    America's #1 choice in banking is now even more rewarding with Chime Prime, our new premium membership tier Monthly Qualifying Direct Deposit $200 $3,000 Cash back 2% 5% (category of your choice) (category of your choice) Savings APY 3.00% 3.75% Pre-qualified Instant Loan starting at $100 ✔ Travel P

15. Slide 15: ARPAM grew 5% Y/Y to $263 in Q1

    ARPAM ARPAM grew 5% Y/Y, and 14% over 2 years, to $263 in Q1, fueled by continued product innovation and deeper engagement Q1 benefits from tax refund-related seasonality1 Annual ARPAM 14% 2yr growth 5% Y/Y $257 $263 $245 $251 $245 $245 $231 $231 $218 Q1ʼ24 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25

16. Slide 16: Higher attach rates across product ecosystem, tenured cohorts ARPAM over $400

    ARPAM Weʼre driving higher attach rates across our growing product ecosystem, with tenured cohorts reaching ARPAM of over $400 ARPAM grows as cohorts mature, with tenured cohorts Newer cohorts are attaching to more products faster exceeding $400 Product Attach – All Active Members1 Cohorted ARPAM2 M

17. Slide 17: ChimeCore migration and improving loss rates increased transaction margin to 76%

    Gross & Transaction Margin Our ChimeCore migration and improving loss rates on our liquidity products increased transaction margin 9pp Y/Y to 76% in Q1 Gross Profit: 27% Y/Y Gross Profit & Transaction Profit (in millions) Transaction Profit: 41% Y/Y $580 Gross Profit $530 Transaction Profit $461 $47

18. Slide 18: MyPay transaction profit grew 10x Y/Y while maintaining loss rates of 1%

    MyPay In Q1, we grew MyPay transaction profit $ʼs 10x Y/Y while maintaining loss rates of 1% Tax refunds drive seasonally lower liquidity product utilization in Q11 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 MyPay Transaction Profit ($M) $6 $23 $41 $59 $64 +10x Y/Y Revenue $64M $78M $88M $103M $104M Transaction M

19. Slide 19: Compounding growth across Actives, ARPAM and transaction margin

    Transaction Profit We are compounding growth across Actives (+19%), ARPAM (+5%) and txn margin (+9pp), with 41% Y/Y TP growth in Q1 and 100%+ TP retention LTM Transaction Profit by Annual Cohort ($M) Consistent growth in Active Members at 8x+ LTV:CAC 100%+ Net dollar Transaction Profit retention among

20. Slide 20: Strong fixed cost leverage, non-GAAP OpEx as % of revenue improving 5 pp Y/Y

    Non-GAAP OpEx We continue to demonstrate strong fixed cost leverage, with non-GAAP OpEx as a % of revenue improving 5 pp Y/Y in Q1 Non-GAAP OpEx as % of Revenue1 Non-GAAP G&A Non-GAAP MS&O Non-GAAP T&D Non-GAAP S&M 78% 78% 75% (5) pp 72% 10% 10% Y/Y 9% 66% 65% 63% 10% 63% 9% 8% 58% 19% 18% 8% 9% 19%

21. Slide 21: Improved adj. EBITDA margin by 13pp Y/Y, incremental margins >70%

    Adj. EBITDA In Q1, we improved adj. EBITDA margin by 13pp Y/Y, with incremental margins >70%, and generated $53M of GAAP net income 57% incremental adj. EBITDA margin Adjusted EBITDA Margin 73% incremental adj. EBITDA margin 18% 11% - 12% 10% 5% 5% 4% 3% 1% -3% -3% +2pp +9 pp +12 pp +13 pp +8 pp Q2'

22. Slide 22: Raising full year guide on top and bottom lines

    We are raising our full year guide on both top and bottom lines, now expecting incremental adj. EBITDA margins above 60% Chimeʼs financial outlook for the second quarter and full year 2026 Q2’26 Full Year 2026 Revenue $633 to $643 million $2.66 to $2.69 billion Prior: $2.63 to $2.67 billion Y/Y Grow

23. Slide 23: Appendix

    Appendix

24. Slide 24: 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

25. Slide 25: 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,

26. 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

27. 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 $

28. 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

29. 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

30. Slide 30: Stock based compensation totaled 10% of revenue in Q1, down from 12% in Q4

    Stock based compensation totaled 10% of revenue in Q1, down from 12% in Q4 Fully Diluted Share Count (in millions)1 Stock Based Compensation Expense (in millions) Dilutive Shares2 IPO Bullet Charge3 Basic Share Count Stock-based charitable contribution expense4 Employee and Service Provider Awards 4

31. Slide 31: 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

32. Slide 32: chime:

    chime:

Chime Financial — Q1 2026 Earnings Presentation on 6ix