Chime Financial, Inc. · NASDAQ:CHYM
Chime Financial — Q2 2026 Earnings Presentation
38 slides from Chime Financial's earnings presentation, Aug 5, 2026
Slide 1: Q2'26 Earnings Presentation
Q2ʼ26 Earnings 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
Our Mission To unite everyday people to unlock their financial progress.
Slide 4: Chime at a glance
Chime at a glance #1 share of new checking accounts opened in the US1 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-lasting, multi-product relationships monetized primarily via
Slide 5: More Americans are choosing Chime than any other financial institution
More Americans are choosing Chime than any other financial institution Share of households switching Active Members (Millions)2 their checking account1 GR % CA 21 (1) Based on a blind May 2026 representative survey conducted by Chime using a third-party survey platform, Chime was chosen among listed
Slide 6: Cohorted ARPAM: 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 Monthly Transactions per Customer1 ARPAM grows as cohorts mature, with ~$400 ARPAM for tenured cohorts 54 Over 2x more monthly engagement than next fintech Cohor
Slide 7: Our 3-5x cost advantage continues to expand
Our 3-5x cost advantage continues to expand, enabling us to profitably serve the largest segment of the market Weʼve expanded ARPAMs while consistently Cost-to-serve1 $740 reducing our cost-to-serve1 ARPAM Cost-to-serve +24% $260 $216 -35% $450 $209 $141 $141 Medium-Sized & Large Regional Banks Bank
Slide 8: 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 Fee free overdraft Low-cost earned wage access Instant loans Chime Invest Automatic savings tools 47,000+ fee-free ATM network Grow your credit score 70+ points Lifestyle per
Slide 9: We're moving faster and accelerating results across our business
Weʼre moving faster and accelerating results across our business Accelerated both Active Chime Prime broadens appeal Transformative wins for Member and PV growth and deepens engagement Chime Enterprise ● Actives up 20% Y/Y in Q2, with 1.7M net new ● Fueled accelerated direct deposit growth and ● Sig
Slide 10: Financial Results
Q2ʼ26 Financial Results
Slide 11: We accelerated revenue growth to 27% Y/Y
We accelerated revenue growth to 27% Y/Y, drove 12pp of adj EBITDA margin expansion, and delivered GAAP profit for 2nd straight quarter Key Operating Q2ʼ26 Y/Y Financial Q2ʼ26 Y/Y Margin Metrics Highlights Revenue $670M +27% – Active Members 10.4M +20% Gross $595M +29% 89% Profit Transaction Purchas
Slide 12: Revenue accelerated on faster growth in Actives and ARPAM
Revenue Revenue accelerated as a result of faster growth in both Actives and ARPAM coming off our successful launch of Chime Prime Revenue (in millions) Q1 benefits from tax $680-690 $670 refund-related seasonality1 $647 $596 Platform-Related Revenue2 $240 $544 $519 $528 $215 Payments Revenue3 $200
Slide 13: Active Member growth accelerated to 20% Y/Y
Active Members In Q2, we accelerated Active Member growth to 20% Y/Y, with 1.7M net new Active Members over the last 12 months, our fastest pace ever Active Members (in millions) Q1 benefits from tax refund-related seasonality1 +200k 10.2 10.4 +100k 9.5 Post Tax 9.1 Tax Refund 8.6 8.7 Season Uplift
Slide 14: Improving unit economics with LTV:CACs at 9x+
Active Members We accelerated Active Member growth while also improving unit economics, with LTV:CACs now at 9x+ 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 P
Slide 15: Purchase and OIT volume growth accelerated to 20% Y/Y
Purchase Volume Purchase and OIT volume growth accelerated to 20% Y/Y in Q2, fueled by higher-spending Chime Prime members, with credit mix up to 27% Purchase and OIT Volume (in billions) 1 $39.9 $39.4 OIT Volume $1.2 $1.3 Purchase Volume $34.8 $35.3 $0.2 $32.9 $33.0 $0.9 Tax Refund Post Tax Season
Slide 16: Chime Prime Members have over twice the ARPAM
Chime Prime Chime Prime Members have over twice the ARPAM of our average Active Member, net of reward costs, and higher LTVs Rewards help attract and retain higher-quality Chime Prime members, with strong ROI Chime Prime drives LTVs higher: ● Incentivizes conversion to and retention of recurring dir
Slide 17: ARPAM growth accelerated to 6% Y/Y to $260
ARPAM ARPAM growth accelerated to 6% Y/Y to $260 in Q2, fueled by continued product innovation and deeper engagement Q1 benefits from tax refund-related seasonality1 Annual ARPAM $263 $251 $257 $260 $245 $245 $245 $231 $231 Tax Refund Post Tax Season $218 Tax Refund Post Tax Uplift Season Tax Refund
Slide 18: Product attach drives deeper engagement
ARPAM Product attach drives deeper engagement and reinforces core spend relationship – and recent product velocity strengthens this trend We capture a greater share of wallet as we Recent product launches deepen engagement across our product suite Chime Prime Chime Card Instant Loans Chime+ Chime Wo
Slide 19: Higher attach rates across our product ecosystem
ARPAM Weʼre driving higher attach rates across our growing product ecosystem, with tenured cohorts reaching ARPAMs of ~$400 ARPAM grows as cohorts mature, Newer cohorts are attaching to more products faster with ~$400 ARPAM for tenured cohorts Product Attach – All Active Members1 Cohorted ARPAM2 Mem
Slide 20: Gross & Transaction Margin
Gross & Transaction Margin In Q2, we added 4pp of transaction margin Y/Y driven by lower liquidity product loss rates Gross Profit & Transaction Profit (in millions) Gross Profit: 29% Y/Y Transaction Profit: 36% Y/Y $595 $580 Gross Profit $530 Transaction Profit $461 $474 $458 $419 $368 $345 $334 $4
Slide 21: Low cost credit products at scale, with low credit risk
Liquidity Products 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 p
Slide 22: MyPay transaction profit more than tripled Y/Y
MyPay In Q2, we more than tripled MyPay transaction profit $ʼs Y/Y with loss rates of 0.9% Tax refunds drive seasonally lower liquidity product utilization in Q11 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 $23 $41 $59 $64 $73 MyPay +3x Y/Y Transaction Profit ($M) Revenue $78M $88M $103M $104M $115M Transaction Ma
Slide 23: Compounding growth across Actives, ARPAM and transaction margin
Transaction Profit We are compounding growth across Actives (+20%), ARPAM (+6%) and txn margin (+4pp), with 36% Y/Y TP growth in Q2 and 100%+ TP retention LTM Transaction Profit by Annual Cohort ($M) Accelerated growth in Active Members and expanded LTV:CACs to 9x+ 100%+ Net dollar Transaction Profit r
Slide 24: Non-GAAP OpEx as a % of revenue improving
Non-GAAP OpEx Attractive unit economics allow us to drive operating leverage, with non-GAAP OpEx as a % of revenue improving 8pp Y/Y in Q2 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% (8) pp 72% 9% 10% 10% Y/Y 66% 65% 63% 10% 63% 9% 8% 58% 59% 19% 1
Slide 25: 12pp of Y/Y adj. EBITDA margin expansion
Adj. EBITDA In Q2, we drove 12pp of Y/Y adj. EBITDA margin expansion, with incremental margin of 60%, and generated $28M of GAAP net income 57% incremental adj. EBITDA margin Adjusted EBITDA Margin 60% incremental adj. EBITDA margin 18% 15% 15-16% 10% 5% 5% 4% 3% 1% -3% -3% +1pp +2pp +9 pp +12 pp +1
Slide 26: Raising our full year guide
Guidance We are raising our full year guide on both top and bottom lines, and expect to remain GAAP profitable each quarter in 2026 Chimeʼs financial outlook for the third quarter and full year 2026 Q3’26 Full Year 2026 Revenue $680 to $690 million $2.725 to $2.745 billion Prior: $2.66 to $2.69 bill
Slide 27: Appendix
Appendix
Slide 28: 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, June 30, except 2024 2024 2024 2024 2025 2025 2025 2025 2026 2026 percentages) Revenue $ 391,972 $ 38
Slide 29: 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 30, December 31, March 31, June 30, September 30, December 31, March 31, June 30, percentages) 2024 2024 2024 2024 2025 2025 2025 2025 2026 2026 Net incom
Slide 30: 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 31, March 31, June 30, September December 31, March 31, June 30, percentages) 2024 2024 30, 2024 2024 2025 2025 30, 2025 2025 2026 2026 Member support and $ 68,068 $ 69,
Slide 31: 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 31, March 31, June 30, September December 31, March 31, June 30, percentages) 2024 2024 30, 2024 2024 2025 2025 30, 2025 2025 2026 2026 Technology and development $ 74,9
Slide 32: 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 31, March 31, June 30, September December 31, March 31, June 30, percentages) 2024 2024 30, 2024 2024 2025 2025 30, 2025 2025 2026 2026 Non-GAAP member support and $ 67,
Slide 33: GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin
GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin Three months ended Twelve months ended June 30, June 30, December 31, December 31, (in thousands, except percentages) 2025 2026 2024 2025 Net Income (loss) $ (923,376) $ 27,850 $ (25,344) $ (1,009,936) Adjusted for: Depreciation and amo
Slide 34: Estimated LTV:CAC
Estimated LTV:CAC Three months ended June 30, 2026 ARPAM $ 260 Transaction Margin 73% Active Member churn in second year and thereafter 10% LTV $1,908 CAC $104 Active Member churn in first year 50% CAC including Year 1 Churn $208 LTV / CAC 9.2x 34
Slide 35: Stock based compensation totaled 11% of revenue in Q2
Stock based compensation totaled 11% of revenue in Q2 Fully Diluted Share Count (in millions)1 Stock Based Compensation Expense (in millions) Dilutive Shares2 Basic Share Count $86 440 438 445 437 $73 $70 63 59 66 58 $65 380 383 379 374 Q3’25 Q4’25 Q1’26 Q2’26 Q3’25 Q4’25 Q1’26 Q2’26 SBC as % of Tot
Slide 36: 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 37: Definitions
Definitions Non-GAAP member support and operations: Member support and operations Non-GAAP general and administrative: General and administrative expense expense excluding stock-based compensation and certain expenses that do not excluding stock-based compensation expense and certain expenses that d
Slide 38: chime:
chime: