Chime Financial, Inc. (CHYM) saw its stock price surge 8.86% in after-hours trading following the release of its fourth-quarter financial results and forward-looking guidance.

The fintech company reported Q4 revenue of $596.36 million, a 25% year-over-year increase that surpassed analyst expectations of $577.68 million. Quarterly earnings per share also beat estimates, coming in at -$0.12 compared to the consensus of -$0.15. The company demonstrated robust user growth, with active members rising 19% to 9.5 million.

Investor sentiment was further bolstered by Chime's optimistic forecast for 2026. The company projected full-year revenue between $2.63 billion and $2.67 billion, above Wall Street expectations of $2.61 billion. Management also stated it expects to achieve GAAP profitability in 2026, citing strong demand for its digital banking products, resilient consumer spending, and operational efficiencies from AI integration that reduced costs and increased average revenue per active member.