Chime Financial, Inc. · Software - Application

CHYM Chime Financial, Inc. · Earnings

Reports 2026-11-04 After close · WedReaction day 11-05reported · reaction in progressNext report (est.) Late Feb 2027

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Report card

Done· 8-K + call· 11-04 After close

The print · 8-K and call2026-11-04 · After close

Revenue$718M

est. —

EPS$0.15

est. —

Guidance · Next Q revenue$757.0M–$767.0Mno comparable consensus

Breakdown

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Reaction

Now· open / day / 5-day· 11-05 → day 5

Reactionreaction not yet settled

After-hours move—no read yet

Open / day close— / —

5 days later—day 5 pending

Going in

Done· T-7 → T-1 freeze

Before the print · expectationsfrozen at T-1

The record · last 5 prints

4/5

beat the EPS consensusmissed 1

±13.3%

average first-day moveclosed higher 2 of 5 times

3/5

moved more than options implied

Move ruler · first session

typical ±13.3%

−20%+20%

The options-implied move posts once the event straddle is read, by the night before the print.

Pricing going in · as of the 11-04 close

+6.9%Move over the last 20 sessionsLast 5 sessions +3.7%

+19.3 ptsvs sector (XLK)XLK over the same window −12.4%

—Forward P/EConsensus: not available

It outran its sector by more than 10 points over the 20 sessions going in, so a good print may already be partly in the price and a beat may not lift it further.

What the record doesn't tell you

Beat estimates 4 of 5 times. So which way does CHYM go on 11‑04?

Model lean for 11-04, and the evidence behind it
Move band, P10 – P90
Last 5 prints, quarter by quarter
Peers that already reported, and how they traded

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Chime Financial earnings review: what the record says

Chime Financial (CHYM) reported earnings on Nov 4, 2026, after the close. The company posted EPS of $0.15 and revenue of $718M.

Across its last 5 reports, CHYM beat the EPS consensus 4 times out of 5 with a figure on file, and the stock moved an average of 13.3% on the first trading day, closing higher 2 of 5 times. That first-day move was larger than the options-implied move in 3 of 5 reports. Measured over five sessions, the average move was 13.6%.

A beat alone has not been enough: CHYM closed higher after only 2 of its 4 EPS beats. NextPick tracks CHYM in its Neo/Digital Banks basket alongside NU, SOFI, ALLY, DAVE, MQ and HAPN, whose prints read through to this one.

Figures come from NextPick's earnings-reaction ledger and the options market. Not investment advice.

CHYM earnings: key questions

When is CHYM's next earnings date?

Chime Financial has not confirmed its next report date yet. It reported the same quarter last year on Feb 25, 2026, which points to late February 2027. This page shows the confirmed date once it is on the earnings calendar.

How much does CHYM stock move after earnings?

Over its last 5 reports, CHYM moved an average of 13.3% on the first trading day after earnings. The move was larger than the options-implied move in 3 of 5 reports.

Does CHYM usually beat earnings estimates?

CHYM beat the EPS consensus in 4 of its last 5 reports with a surprise on file and missed in 1.