Chime Financial, Inc. — Form 8-K
Filed November 4, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 62/100
What the filing says
Chime reported Q3 2026 revenue of $718M (32% YoY growth, up from 27% in Q2), net income of $44M (6% margin, up 16 pts YoY), and adjusted EBITDA of $137M (19% margin, up 14 pts YoY). Active Members grew 20% YoY to 10.9M; record 1.8M net new members added in trailing 12 months. Company raised full-year 2026 guidance: revenue $2.792–$2.802B (28% growth), adjusted EBITDA $519–$524M (19% margin). Stride Bank acquisition remains on track for H1 2027 with expected $100M+ annual after-tax synergies.
Why this rating
Sustained profitability inflection, accelerating growth, and raised guidance are meaningful for an $8.3B company. Stride acquisition $100M synergy target is modest (~1.2% of 2026 revenue run-rate) but strategically important. Execution track record positive but not transformational at this scale.
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