Chime Financial, Inc. (CHYM) experienced a significant after-hours surge, with its stock price climbing 9.47%. The movement occurred following the release of the company's fourth-quarter financial results and forward-looking guidance.
The fintech firm reported Q4 revenue of $596.36 million, a 25% increase year-over-year and surpassing analyst estimates of $577.68 million. Quarterly earnings per share also beat expectations, coming in at -$0.12 compared to the estimated -$0.15. The company demonstrated strong user growth, with active members rising 19% to 9.5 million.
Investor sentiment was further buoyed by Chime's optimistic forecast for 2026. The company projected full-year revenue between $2.63 billion and $2.67 billion, above the Wall Street consensus of $2.61 billion. Management also stated it expects to achieve GAAP profitability in 2026, citing resilient consumer spending and strong demand for its digital banking products as key drivers for its positive outlook.