Chime Financial (CHYM) Surges 13.6% as Firm Eyes Swing to Profits This Year

We recently published Wall Street Can’t Keep Up: 10 Big Names on a High. Chime Financial Inc. (NASDAQ:CHYM) was one of the best performers on Thursday.

Chime Financial extended its winning streak to a third consecutive day on Thursday, climbing 13.57 percent to finish at $23.97 apiece, as investors took heart from the company’s expected return to profitability this year, overshadowing a dismal earnings performance in 2025.

In a statement, Chime Financial Inc. (NASDAQ:CHYM) said that it is well-positioned for growth this year, with multiple tailwinds expected to support strong bottom-line, topline, and margins.

“We expect 2026 will be our first full year to achieve GAAP net income profitability, ahead of previous internal expectations,” it said.

Chime Financial Inc. (NASDAQ:CHYM) is looking to grow its revenues by 20 to 22 percent to a range of $2.63 billion to $2.67 billion. Adjusted EBITDA is also targeted at $380 million to $400 million, with a margin between 14 and 15 percent, or an incremental adjusted EBITDA margin of over 55 percent.

For the first quarter alone, revenues are targeted to jump by 21 to 23 percent to a range of $627 million to $637 million, while adjusted EBITDA is pegged at $90 million to $95 million, with a margin between 14 and 15 percent.

Last year, Chime Financial Inc. (NASDAQ:CHYM) widened its net loss by 3,936 percent to $1 billion from only $25 million in 2024, primarily due to a $928-million stock-based compensation expense and related payroll tax in the second quarter of 2025 that was significantly elevated due to its initial public offering.

Revenues, on the other hand, increased by 30.7 percent to $2.19 billion from $1.67 billion year-on-year.

In the fourth quarter alone, net loss surged by 128 percent to $44.78 million from $19.6 million, while revenues increased by 25 percent to $596 million from $475 million.

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