Abstract

Chime Financial, Inc. will report its quarterly results on February 25, 2026 Post Market, and this preview consolidates the latest available performance data and forecasts to frame expectations around revenue, margins, net income trajectory, and adjusted EPS.

Market Forecast

Current quarter projections for Chime Financial, Inc. point to estimated revenue of $578.06 million, estimated EBIT of -$17.92 million, and estimated adjusted EPS of -0.15, while year-over-year changes were not disclosed; the company’s last quarter gross profit margin was 87.23% and net profit margin was -10.07%, suggesting the market anticipates improvement but still negative earnings. The main business is concentrated in Payments and Platform-related services, with Payments contributing $363.16 million and Platform-related contributing $180.36 million last quarter, and Payments continuing as the operational focal point. The most promising segment remains Payments, generating $363.16 million last quarter; year-over-year growth for segments was not disclosed.

Last Quarter Review

In the previous quarter, Chime Financial, Inc. delivered revenue of $543.52 million, a gross profit margin of 87.23%, GAAP net profit attributable to the parent company of -$54.72 million, a net profit margin of -10.07%, and adjusted EPS of -0.15; year-over-year growth figures were not disclosed. A key highlight was margin resilience at the top-line level despite a negative bottom line, with gross profitability sustaining at 87.23% while EBIT improved against estimates. Main business highlights included Payments revenue of $363.16 million and Platform-related revenue of $180.36 million; year-over-year segment growth was not disclosed.

Current Quarter Outlook (with major analytical insights)

Payments

Payments is the core revenue generator for Chime Financial, Inc., contributing $363.16 million last quarter and accounting for approximately two-thirds of total revenue. For this quarter, Payments performance will be most sensitive to card spend frequency, active user growth, and interchange dynamics, given that revenue is closely tied to transactional volume and partner economics. With a last-quarter net profit margin of -10.07%, the company’s progress in Payments will be evaluated not only on top-line expansion but also on operating expense discipline—particularly customer acquisition costs and fraud mitigation spend—which can materially influence margin trajectory. Investors will look for signals of stabilization in per-user monetization and a sustained mix shift toward higher-usage cohorts, as that can lift revenue per active account without proportionately increasing variable costs.

Platform-Related Services

Platform-related revenue of $180.36 million last quarter underscores a diversification effort beyond pure payments, encompassing services such as account features, premium offerings, and possible partner-enabled monetization. The segment’s near-term outlook hinges on product engagement and feature adoption, where incremental revenues can be realized with modest cost burdens compared to transaction-heavy lines. To support margin improvement, Chime Financial, Inc. will seek efficiency in platform infrastructure and utilization of data-driven personalization to raise cross-sell attach rates. A favorable outcome would be evidenced by improved EBIT despite flat or slowly growing segment revenue, demonstrating leverage from software-like economics and reduced reliance on raw transaction throughput.

Factors Most Impacting the Stock Price This Quarter

Earnings quality and margin direction will be the primary stock drivers, as investors weigh the estimated EBIT of -$17.92 million and the estimated adjusted EPS of -0.15 against last quarter’s reported profitability metrics. Any positive deviation in adjusted EPS or EBIT, even marginally, would indicate cost controls and operating leverage beginning to take hold, especially given the outsized gross margin foundation of 87.23%. Revenue momentum at $578.06 million will be assessed alongside churn and active account growth metrics to judge sustainability; flat or declining engagement could offset top-line estimates. Additionally, clarity on compliance, risk management, and fraud prevention costs may materially alter sentiment, since these line items can swing net margin. Confirmations around Payments stability and platform monetization efficiency will be pivotal for near-term valuation read-through.

Analyst Opinions

Analyst commentary gathered in the period from August 18, 2025 to February 18, 2026 did not provide a determinable majority view between bullish and bearish stances specifically tied to this quarter’s numbers for Chime Financial, Inc., resulting in an undetermined institutional consensus. Where remarks were available, the themes focused on watch points around adjusted EPS staying at approximately -0.15 and the potential for EBIT to narrow comparably to last quarter’s reported outcome. Analysts also emphasized that the durability of gross margins near 87.23% provides the foundation for eventual profitability if operating expenses trend lower and customer engagement metrics remain resilient. The prevailing inference is that the balance between Payments volume health and platform monetization will set the tone for whether incremental improvements materialize against the negative net margin backdrop.