Chime Financial, Inc. (CHYM) shares surged 6.10% in after-hours trading on Wednesday, following the release of second-quarter financial results that exceeded analyst expectations and an upward revision to its full-year outlook.

The fintech company reported earnings per share of $0.07, handily beating the consensus estimate of a breakeven quarter. Revenue jumped 27% year-over-year to $669.77 million, surpassing the $640.41 million forecast. The results were driven by a 20% increase in active members to 10.4 million and a 6% rise in average revenue per active member to $260, fueled by the launch of the Chime Prime membership tier and higher engagement from upper-income customers.

Chime also raised its full-year 2026 revenue guidance to a range of $2.73 billion to $2.75 billion, representing 25% to 26% growth and topping the consensus estimate of $2.68 billion. The company expects adjusted EBITDA between $465 million and $475 million. For the third quarter, revenue is projected at $680 million to $690 million, also above Wall Street expectations. The strong results and optimistic outlook underscored the company's momentum in digital banking and cost-efficiency initiatives, including a recently announced 10% workforce reduction.