Chime Financial, Inc. (CHYM) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.918 Good afternoon. Welcome to Chime's second quarter fiscal 2025 earnings call. 00:00:05.918 -- 00:00:09.101 Following the speaker's remarks, we will open the lines for your questions. 00:00:09.101 -- 00:00:14.227 As a reminder, this conference call is being recorded, and a replay of the call will 00:00:14.227 -- 00:00:18.392 be available on our investor relations website for a reasonable period of time after 00:00:18.392 -- 00:00:23.458 the call. I'd like to turn the call over to David Pierce, Vice President of Investor 00:00:23.458 -- 00:00:27.743 Relations and Capital Markets. Thank you. You may begin. 00:00:27.743 -- 00:00:30.035 Good afternoon, everyone, and thank you for joining us. 00:00:30.035 -- 00:00:33.579 for CHIME's second quarter 2025 earnings conference call. 00:00:33.579 -- 00:00:38.464 Joining me today are Chris Britt, our co-founder and CEO, and Matt Newcomb, our CFO. 00:00:38.464 -- 00:00:41.947 Mark Trotten, our COO, will participate in the Q&A. 00:00:41.947 -- 00:00:46.092 As a reminder, we will disclose non-GAAP financial measures on this call. 00:00:46.092 -- 00:00:50.616 Definitions and reconciliations between our GAAP and non-GAAP results can be found in 00:00:50.616 -- 00:00:56.641 our earnings release and our earnings presentation posted on our IR website at investors.chime.com. 00:00:56.697 -- 00:01:00.761 We will also make forward-looking statements on this call, including statements about 00:01:00.761 -- 00:01:05.806 our business, future outlook, and goals. Such statements are subject to known and 00:01:05.806 -- 00:01:10.670 unknown risks and uncertainties that could cause actual results to differ materially 00:01:10.670 -- 00:01:12.772 from those described. 00:01:12.772 -- 00:01:17.057 Many of those ris...