Chime Financial, Inc. (CHYM) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.456 third quarter fiscal 2025 earnings call. Following the speaker's remarks, 00:00:05.456 -- 00:00:08.499 we will open the lines for your questions. 00:00:08.499 -- 00:00:12.483 As a reminder, this conference call is being recorded and a replay of this call will 00:00:12.483 -- 00:00:17.568 be available on our investor relations website for a reasonable period of time after 00:00:17.568 -- 00:00:22.753 the call. I'd like to turn the call over to David Pierce, Vice President of Investor 00:00:22.753 -- 00:00:28.076 Relations and Capital Markets. Thank you. You may begin. 00:00:28.550 -- 00:00:32.133 Good afternoon, everyone, and thank you for joining us for CHIME's third quarter 2025 00:00:32.133 -- 00:00:37.238 earnings conference call. Joining me today are Chris Britt, our co-founder and CEO, and 00:00:37.238 -- 00:00:42.783 Matt Newcomb, our CFO. Mark Trotton, our COO, will participate in Q&A. 00:00:42.783 -- 00:00:46.907 As a reminder, we will disclose non-GAAP financial measures on this call. 00:00:46.907 -- 00:00:51.051 Definitions and reconciliations between our GAAP and non-GAAP results can be found in 00:00:51.051 -- 00:00:57.136 our earnings release and our earnings presentation posted on our IR website at investors.chime.com. 00:00:57.136 -- 00:01:00.821 We will also make forward-looking statements on this call, including statements about 00:01:00.821 -- 00:01:05.408 our business, future outlook, and goals. Such statements are subject to known and unknown 00:01:05.408 -- 00:01:09.354 risks and uncertainties that could cause actual results to differ materially from those 00:01:09.354 -- 00:01:14.442 described. Many of those risks and uncertainties are described in our SEC filings, 00:01:14.442 -- 00:01:18.087 including our Fo...