Chime Financial(CHYM)今日夜盘股价大涨5.59%，引发市场关注。
消息面上，公司于盘后公布了2026财年第二季度财报，业绩远超市场预期。财报显示，当季营收同比增长27%至6.7亿美元，显著高于分析师预期的6.404亿美元；实现GAAP净利润2785万美元，为连续第二个季度实现盈利，而去年同期则录得9.234亿美元净亏损。活跃会员数同比增长20%至1040万，每位活跃会员平均收入（ARPAM）增长6%至260美元。受强劲需求推动，公司上调全年营收增长预期至25%-26%，此前预期为22.7%，并预计第三季度营收在6.8亿至6.9亿美元之间，高于市场预估。
此外，公司近期宣布裁减约10%的员工（约150人），旨在利用AI技术提升运营效率、构建更精简的团队，降本增效举措进一步提振了投资者信心。同时，Chime提交的SEC文件显示，预计第三季度股票薪酬相关费用将净减少900万至1200万美元，这也为市场注入了积极信号。
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