CHYM earnings / call / takeaways

CHYM Q3 FY26 earnings call: key takeaways

What CHYM said on its earnings call of November 4, 2026: results against expectations, what changed since last quarter, guidance and the questions analysts pressed on.

By Lician·November 4, 2026·AI-generated from the call transcript and Lician data

CHYM reported revenue of $718 million, beating the $704.13 million consensus (10:57)
The company also raised its fourth quarter outlook, reflecting strong growth and profitability. (10:57)

Results vs expectations

Metric	Consensus	Reported	Result
EPS	$0.09	–	–
Revenue	$704.1M	–	–

What changed since last quarter

The company raised its Q4 revenue guidance to $757 to $767 million, up from previous expectations. (16:34)
CHYM is expanding its addressable market to serve all Americans earning up to $200,000, driven by the success of Chime Prime. (2:35)
The company is acquiring members at a record pace with lower CACs and improved payback periods. (10:57)

Guidance

Metric	This call	Previous call
Revenue	Q4 revenue guidance of $757 to $767 million, up 27 to 29% (16:34)	not captured
EBITDA	Q4 adjusted EBITDA guidance of $160 million (16:34)	not captured
EBITDA	Full-year adjusted EBITDA guidance of $519 to $524 million (16:34)	not captured

What analysts pressed on

Whether the increased focus on higher-income members will complicate CAC management. (30:12)
Concerns about the long-term sustainability of high transaction margins. (24:16)

In their words

We're acquiring members at a record pace and launching products faster than ever. (18:44)
We're optimizing for an overall lifetime of a customer in a payments business. (57:10)

Read the full transcript with the AI summary, or listen on the company's official webcast.

Every past call in full and transcript search come with Lician Pro.

Written by AI from the automatic transcript of the company's public webcast and Lician's earnings data. Each sentence cites the passage it comes from, and a sentence with a figure that is not in its sources was removed. Not investment advice.