Chime Financial Inc. reported Adjusted EBITDA of $28.8 million for the three months ended September 30, 2025, up from a loss of $13.6 million for the same period in 2024. Adjusted EBITDA margin was 5% compared to -3% in the prior year period. For the nine months ended September 30, 2025, Adjusted EBITDA was $69.9 million, an increase from $4.9 million for the same period in 2024, with an Adjusted EBITDA margin of 4%. Stock-based compensation expense and related payroll tax for the nine-month period was $1,022.7 million, up from $21.7 million in the previous year. Payments revenue is recognized based on interchange fees from purchase transactions made by members using Chime-branded debit and credit cards. In June 2025, Chime completed its IPO, issuing 36.8 million shares of Class A common stock at $27.00 per share, raising net proceeds of $770.6 million.