Every 8-K that Chime Financial, Inc. (CHYM) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow CHYM and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CHYM filings page.
Chime Financial, Inc. (CHYM) agreed to acquire Central Service Corporation, parent of Stride Bank, N.A., for $590 million in cash, with the deal structured via a merger of a Chime subsidiary into CSC. Stride will become Chime Bank, N.A., a wholly owned subsidiary, and Chime will become a bank holding company after closing.
The transaction value represents ~1.5x tangible book value for Stride, which is described as profitable and well‑capitalized, and is expected to be immediately accretive to Chime’s EPS with more than $100 million in net synergies from sponsor bank fee savings, lending expansion and lower funding costs. Chime plans to fund the purchase from cash on its balance sheet and does not anticipate incremental capital. The deal, unanimously approved by both boards, is expected to close in the first half of 2027, subject to Federal Reserve and OCC approvals and other customary conditions. Chime raised guidance, now expecting Q3 2026 revenue of $705 million (about 30% year‑over‑year growth) and full‑year 2026 revenue of $2.76–$2.77 billion with adjusted EBITDA margins of roughly 17–18%.
Chime Financial reported strong Q2 2026 results alongside a restructuring plan and CFO transition. Revenue was $670 million, up 27% year over year, with gross profit of $595 million and an 89% gross margin. Transaction profit was $492 million with a 73% margin. Net income was $28 million, delivering a second consecutive profitable quarter. Adjusted EBITDA reached $102 million with a 15% margin, more than 12 percentage points higher than a year ago.
Operating momentum included 10.4 million Active Members, up 20% year over year, ARPAM of $260, Purchase Volume of $38 billion (or $39.4 billion including outbound instant transfers), MyPay transaction profit of $73 million, and Instant Loans originations of $300 million. Chime raised full-year 2026 guidance to revenue of $2.725–$2.745 billion and adjusted EBITDA of $465–$475 million, and guided Q3 revenue to $680–$690 million and adjusted EBITDA to $105–$110 million.
Management approved a reorganization plan that will reduce the workforce by about 10%, creating estimated net cash restructuring charges of $16–$20 million in Q3 2026 and an expected $6–$9 million negative impact to net income, partly offset by a $9–$12 million reduction in stock-based compensation. CFO Matthew Newcomb will step down on August 7, 2026, with President Mark Troughton becoming President & Interim CFO under a detailed transition and advisory arrangement.
Chime Financial, Inc. held its 2026 Annual Meeting of Stockholders, where investors approved all management proposals. Three Class I directors — Christopher Britt, Shawn Carolan, and James Dunne — were elected to serve until the 2029 Annual Meeting, each receiving strong majority support.
Stockholders also ratified Ernst & Young LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2026. In a non-binding advisory vote, investors approved the compensation of the company’s named executive officers and expressed a preference for holding future advisory votes on executive pay every one year. The Board adopted this annual frequency until the next required vote on say-on-pay frequency.
Chime Financial, Inc. reported strong first quarter 2026 results and authorized an additional $200 million Class A share repurchase program. Revenue reached $647 million, up 25% year-over-year, with gross profit of $580 million and a 90% gross margin.
Net income was $53 million for an 8% net margin, marking Chime’s first quarter of GAAP profitability as a public company. Adjusted EBITDA was $119 million with an 18% margin. Active Members grew 19% to 10.2 million, ARPAM rose to $263, and purchase volume reached $39–40 billion. Chime raised full‑year 2026 guidance to revenue of $2.66–$2.69 billion and adjusted EBITDA of $416–$431 million, and guided Q2 2026 revenue to $633–$643 million with adjusted EBITDA of $72–$77 million.
Chime Financial reported strong growth for 2025, with revenue rising to $2.19 billion, up 31% year over year, and fourth-quarter revenue reaching $596 million, up 25%. Gross margin stayed high at 88–89%, while non-GAAP adjusted EBITDA improved to $127 million, a 6% margin.
The company still posted a GAAP net loss of $1.01 billion and a net margin of (46)%, largely tied to $928 million of stock-based compensation around its IPO. Active Members grew 19% to 9.5 million, ARPAM increased to $257, and purchase volume rose to $134 billion.
Management highlighted rapid scaling of MyPay to over $400 million in annualized revenue at roughly 60% transaction margin and noted that AI and the ChimeCore platform are lowering costs and boosting productivity. For 2026, Chime guides to $2.63–$2.67 billion in revenue, adjusted EBITDA of $380–$400 million, and expects its first full year of GAAP profitability.
Chime Financial, Inc. announced a new share repurchase program authorizing the company to buy back up to $200.0 million of its Class A common stock. Repurchases may occur from time to time via open market or privately negotiated transactions, including under Rule 10b5-1 plans and in accordance with Rule 10b-18. The program is discretionary and may be suspended or discontinued at any time.
Chime also furnished a press release with its financial results for the quarter ended September 30, 2025, and plans to host an earnings call on November 5, 2025 at 2:00 p.m. PT/5:00 p.m. ET.