Chime (CHYM) Q2 2026: Second Straight Profit, Guidance Raised
As seen on the 24/7 Wall St. homepage on August 5, 2026.
Chime's second straight quarter of GAAP profitability came with a raise: full-year revenue guidance now sits at $2.73 billion to $2.75 billion. The new Prime membership tier lifted ARPAM 6% to $260. Keep an eye on the CFO transition as Matt Newcomb steps down.
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Chime Financial posted Q2 2026 earnings per share of $0.07 against a consensus estimate of $0.004, a beat of roughly 1,650%. Revenue came in at $669.8 million, topping estimates by about 4.5%. The quarter marks Chime's second consecutive period of GAAP profitability, a meaningful milestone for a fintech that was still reporting losses as recently as Q2 2025, when EPS landed at negative $7.29.
Management followed the earnings beat with a guidance raise, setting full-year revenue expectations at $2.73 billion to $2.75 billion. The new Prime membership tier is showing early traction, pushing average revenue per active member, or ARPAM, up 6% to $260. That metric will be worth watching in coming quarters as an indicator of whether Prime can sustain its contribution to revenue growth.
One variable to monitor beyond the financials is a leadership change at the CFO level: Matt Newcomb is stepping down. CFO transitions at growth-stage companies can affect investor confidence and capital allocation priorities, so how Chime handles the succession process may color the stock's reaction over the months ahead.
Mentioned: CHYM