Chime Reports Q3 2025 Revenue of $544 Million, Up 29%, as Active Members Rise to 9.1 Million

Chime Financial reported revenue of $544 million for the third quarter of 2025, a 29 per cent increase year on year, as the US neobank continued to grow its active membership base and expand monetisation per user. The results were released alongside the announcement of a $200 million share repurchase programme approved by the company's board.

Gross profit for the quarter reached $474 million, reflecting a gross margin of 87 per cent.

MEMBER GROWTH AND REVENUE PER USER BOTH RISE

Chime's active membership reached 9.1 million at the end of the third quarter, a 21 per cent increase year on year. Average revenue per active member, the company's preferred engagement metric known as ARPAM, reached $245 in the quarter, up 6 per cent from the prior year.

In September 2025, Chime launched the Chime Card, offering direct-depositing members 1.5 per cent cash back rewards.

BOARD APPROVES $200 MILLION SHARE BUYBACK

The board of directors approved a $200 million share repurchase programme alongside the quarterly results. Chime said the programme underscores its confidence in its financial strength, durable business model and long-term growth potential. The company still reported a net loss of $55 million for the quarter, with adjusted EBITDA of $29 million.

The repurchase programme does not carry a fixed timeline for completion.