Spoken Alpha
CHYM
Chime Financial, Inc.
Overview
Chime Financial provides digital banking and financial services to everyday Americans earning up to $100,000 annually through a mobile app and partnerships with FDIC-insured banks.
Chime Financial, Inc is a Technology company operating in Software - Application with a $6.71B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 5, 2026).
3 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Earnings history
- Q2 FY20262026-08-05EPS— vs $-0.01—Rev— vs ——EODHD
- Q1 FY20262026-05-12EPS$0.13 vs $0.19-31.6%Rev$647.4M vs ——EODHD
- Q4 FY20252026-02-24EPS$-0.12 vs $-0.18+33.3%Rev$596.4M vs ——EODHD
- Q3 FY20252025-11-04EPS$-0.15 vs $-0.24+37.5%Rev$543.5M vs ——EODHD
- Q2 FY20252025-08-06EPS$-7.29 vs $-3.86-88.9%Rev$528.1M vs ——EODHD
- Q1 FY20252025-05-27EPS$0.20 vs $0.00—Rev$518.7M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-05 | — | $-0.01 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-05-12 | $0.13 | $0.19 | -31.6% | $647.4M | — | — | EODHD |
| Q4 FY2025 | 2026-02-24 | $-0.12 | $-0.18 | +33.3% | $596.4M | — | — | EODHD |
| Q3 FY2025 | 2025-11-04 | $-0.15 | $-0.24 | +37.5% | $543.5M | — | — | EODHD |
| Q2 FY2025 | 2025-08-06 | $-7.29 | $-3.86 | -88.9% | $528.1M | — | — | EODHD |
| Q1 FY2025 | 2025-05-27 | $0.20 | $0.00 | — | $518.7M | — | — | EODHD |
Source: EODHD. CHYM reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks CHYM's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 70% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $5.64 | $4.01 | +40.7% | -4.5% | -5.6% |
| Q4 FY2026 | $5.52 | $4.19 | +31.7% | -2.3% | +0.6% |
| Q3 FY2026 | $5.71 | $4.21 | +35.7% | -4.8% | -3.1% |
| Q2 FY2026 | $5.22 | $4.09 | +27.7% | -7.1% | -9.1% |
| Q1 FY2025 | $5.67 | $4.09 | +38.7% | -1.7% | -0.1% |
| Q4 FY2025 | $5.77 | $4.14 | +39.4% | -3.1% | -2.7% |
| Q3 FY2025 | $5.77 | $4.24 | +36.1% | +0.5% | +1.6% |
| Q2 FY2025 | $5.89 | $4.23 | +39.2% | +2.0% | +2.1% |
| Q1 FY2024 | $6.00 | $4.28 | +40.2% | +1.0% | +2.8% |
| Q4 FY2024 | $5.97 | $4.23 | +41.1% | -5.9% | -3.8% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Christopher R BrittCEO9 mo3 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- Matthew S NewcombCFO9 mo3 callsCurrentSample
CFO since 2025 • 2/4 beats (50%) • last call held guidance Q3 FY2026
- Mark T TroughtonPresident6 mo3 callsCurrentSample
PRESIDENT since 2025 • 3/4 beats (75%) • last guidance raise Q2 FY2026
- Amine AsmeromChief Accounting Officer8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q3 FY2026
- Adam B FrankelGeneral Counsel7 mono recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • last guidance cut Q1 FY2026
- Ryan A KingCo-Founder9 mono recorded callsCurrentSample
OTHER since 2025 • 2/4 beats (50%) • guidance suspended Q2 FY2026
Peers
Other companies in Technology
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CHYM.
$ curl https://api.spokenalpha.com/v1/companies/CHYMFAQ
Frequently asked about CHYM
Where can I find Chime Financial, Inc.'s (CHYM) earnings call transcripts?
Spoken Alpha indexes CHYM's earnings call transcripts at https://spokenalpha.com/companies/CHYM. Each call links to attributed speakers and parsed analyst Q&A. Chime Financial, Inc.'s own investor relations page is at https://investors.chime.com/.
When was Chime Financial, Inc.'s most recent earnings call?
Chime Financial, Inc. (CHYM) held its most recent earnings call on 2026-05-06, covering fiscal Q1 2026.
What sector is CHYM in?
Chime Financial, Inc. (CHYM) operates in the Technology sector (Software - Application industry).