CHYM Chime (CHYM) Q4 FY25 earnings call
Chime closed FY25 with strong Q4 results, exceeding guidance on revenue and adjusted EBITDA, driven by robust member growth and product adoption. The completion of the ChimeCore migration and stabilization of MyPay loss rates significantly improved transaction margins and operating leverage. The company is poised for continued growth and GAAP profitability in FY26, focusing on expanding its product suite for higher-earning members, scaling its enterprise channel, and leveraging AI for efficiency and enhanced member experience, while navigating seasonal business trends.
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CHYM operating KPIs by quarter
| KPI | This call Dec 2025 Q4 FY25 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Active accounts Net additions | ~500KIn Q4, we also added approximately 500,000 net new active members, bringing our total to $9.5 million.Source: earnings call transcript | ~200KThis Q2, we added approximately 200,000 net new active members quarter-over-quarter, twice as many as we added last Q2 and $1.7 million over the last 12 months or most ever.Source: earnings call transcript | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.