{"id":3712889,"date":"2026-05-06T19:13:20","date_gmt":"2026-05-06T23:13:20","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3712889"},"modified":"2026-05-06T22:24:42","modified_gmt":"2026-05-07T02:24:42","slug":"chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","title":{"rendered":"Chime Turns a Profit as Members Hit 10.2 Million"},"content":{"rendered":"<p>The FinTech landscape is undoubtedly a mature one these days. But as <a href=\"https:\/\/www.chime.com\/\" target=\"_blank\" rel=\"noopener\">Chime Financial<\/a>\u2019s first quarter 2026 earnings call Wednesday (May 6) <a href=\"https:\/\/investors.chime.com\/financial-information\/quarterly-results\">revealed<\/a>, that doesn\u2019t mean that firms can\u2019t still achieve scale without abandoning growth, or that both scale and growth are ever risk-free.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3712889#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2699550-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"free-articles-prompt-intro\">\n\t<h2 class=\"mb-2\">Get the Full Story\n\t<\/h2>\n\t<p class=\"mb-4\">Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourTitle\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputTitle\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Title*\" value=\"\" type=\"text\" name=\"YourTitle\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCompany\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCompany\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"YourCompany\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourEmail\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control border-secondary\" id=\"inputEmail\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"YourEmail\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCountry\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCountry\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"inputEmailHidden\" value=\"\" type=\"hidden\" name=\"yourName\" \/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3712889\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"145\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>\u201cWe\u2019re off to a strong start in 2026, exceeding the high end of our revenue guidance, delivering strong incremental margins, and achieving our first quarter of GAAP profitability as a public company,\u201d said <a href=\"https:\/\/www.linkedin.com\/in\/cbritt\/\" target=\"_blank\" rel=\"noopener\">Chris Britt<\/a>, CEO and co-founder of Chime, noting that the company\u2019s 25% year-over-year revenue growth exceeded both guidance and analyst estimates.<\/p>\n<p>Still, the harder question for FinTechs more broadly is whether they can preserve agility and consumer trust once they begin to resemble the institutions they originally set out to disrupt.<\/p>\n<p>Britt emphasized to investors that the FinTech platform \u201creached 10.2 million Active Members, with more Americans opening bank accounts with Chime than any other financial institution, putting us more than 50% ahead of our closest competitor.\u201d<\/p>\n<p>And the company\u2019s first profitable quarter could suggest that the competitive edge across a mature FinTech space may look less like insurgent apps and more like fully integrated financial institutions built on modern infrastructure.<\/p>\n<p>At the same time, the quarter also exposed some of the tensions that may end up defining the sector\u2019s next chapter. Chime, for example, is expanding into <a href=\"https:\/\/www.pymnts.com\/news\/digital-banking\/2026\/chime-launches-prime-membership-tier-to-get-deposits\/\">premium financial services<\/a> while defending itself against a <a href=\"https:\/\/www.classaction.org\/media\/castaneda-et-al-v-chime-financial-inc-complaint.pdf\">newly filed<\/a> class-action lawsuit tied to an alleged April 2026 data breach.<\/p><div id=\"pymnt-2443066478\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p><strong>See also<\/strong>: <a href=\"https:\/\/www.pymnts.com\/news\/banking\/2026\/the-bank-charter-boom-is-creating-very-different-kinds-of-banks\/\">Bank Charters Are Reshaping Who Can Compete for Consumer Deposits<\/a><strong>\u00a0<\/strong><\/p>\n<h2>FinTech\u2019s Big Push Upmarket<\/h2>\n<p>Chime\u2019s quarterly results revealed a company shifting from a customer-acquisition machine into a more diversified financial platform. Active members were up 19% year over year, while average revenue per active member increased 5% to $263 and purchase volume rose to $39 billion.<\/p>\n<p>The company\u2019s revenue growth was supported by expansion beyond its core debit card and checking account business. Payments revenue increased 15% year over year to $433 million, while platform-related revenue surged 50% to $215 million. Rather than functioning as a simple low-fee checking alternative, Chime\u2019s executives said that the company is increasingly focused on behaving like a vertically integrated financial services ecosystem.<\/p>\n<p>MyPay, its earned wage access product, generated more than $400 million in annualized revenue during the quarter, according to the company, while Instant Loans originated $180 million in loans during Q1 alone.<\/p>\n<p>And while historically Chime built its brand around targeting consumers underserved or overlooked by traditional banks, the platform this April launched Chime Prime, a premium membership tier aimed at customers receiving at least $3,000 in qualifying monthly direct deposits.<\/p>\n<p>Taken together, results reflect a broader trend within FinTech toward higher-margin financial products.<\/p>\n<p><strong>See also:<\/strong> <a href=\"https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/vibe-coding-breaks-into-banking-before-regulators-can-react\/\">Vibe Coding Breaks\u00a0Into\u00a0Banking Before Regulators Can React<\/a><strong>\u00a0\u00a0<\/strong><\/p>\n<h2>The FinTech Advantage<\/h2>\n<p>Another revealing aspect of Wednesday\u2019s executive commentary was their emphasis on artificial intelligence as an operational feature across the platform\u2019s back end.<\/p>\n<p>The company said AI-assisted coding increased from approximately 29% to 84% of code shipped internally over a four-month period, which management said improved product velocity while allowing headcount growth to remain relatively flat.<\/p>\n<p>The focus on AI reflects broader <a href=\"https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/cfos-turn-to-ai-harnesses-as-agentic-capabilities-scale\/\">adoption trends<\/a> across the financial technology industry, where companies are <a href=\"https:\/\/www.pymnts.com\/news\/b2b-payments\/2026\/agentic-b2b-is-here-are-your-contracts-and-invoices-ready\/\">deploying<\/a> generative AI tools to automate engineering workflows, customer service functions, fraud detection and internal operations.<\/p>\n<p>According to\u00a0<a href=\"https:\/\/www.pymnts.com\/study_posts\/no-roadmap-no-problem-how-enterprises-are-reinventing-the-ai-workforce\/\">PYMNTS Intelligence\u2019s November 2025 CAIO Report<\/a>, CFOs expect AI to change the makeup of the workforce by creating new roles, raising skill demands and, in many cases, trimming staffing in some areas at the same time. About 65% of the CFOs surveyed say AI\u2019s workforce impact will be equally positive and negative, while 32% say it will be mostly or completely beneficial.<\/p>\n<p>Just 3.3% see the impact as negative overall.<\/p>\n<p>For its own part, Chime indicated that AI-driven efficiencies contributed to operating leverage during the quarter, helping expand margins while continuing to scale new products and services.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3712889;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>The FinTech landscape is undoubtedly a mature one these days. But as Chime Financial\u2019s first quarter 2026 earnings call Wednesday (May 6) revealed, that doesn\u2019t mean that firms can\u2019t still achieve scale without abandoning growth, or that both scale and growth are ever risk-free. Get the Full Story Complete the form to unlock this article [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3712932,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[13270],"tags":[10936,5559,7617,9206,133069],"class_list":["post-3712889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earnings","tag-chime","tag-digital-banking","tag-fintech","tag-news","tag-pymnts-news"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Chime Turns a Profit as Members Hit 10.2 Million<\/title>\n<meta name=\"description\" content=\"Chime\u2019s results provided a look into the growth and complexities associated with FinTechs, including competition, regulations and cyber risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chime Turns a Profit as Members Hit 10.2 Million | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"The FinTech landscape is undoubtedly a mature one these days. But as Chime Financial\u2019s first quarter 2026 earnings call Wednesday (May 6) revealed, that\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/\" \/>\n<meta property=\"og:site_name\" content=\"PYMNTS.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pymnts\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/pymnts\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-06T23:13:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-07T02:24:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"PYMNTS\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@pymnts\" \/>\n<meta name=\"twitter:site\" content=\"@pymnts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/\"},\"author\":{\"name\":\"PYMNTS\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/person\\\/9f0152ca483ca33a5d8121739eadfe4b\"},\"headline\":\"Chime Turns a Profit as Members Hit 10.2 Million\",\"datePublished\":\"2026-05-06T23:13:20+00:00\",\"dateModified\":\"2026-05-07T02:24:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/\"},\"wordCount\":648,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Chime-earnings-xxx1.jpg\",\"keywords\":[\"Chime\",\"Digital Banking\",\"FinTech\",\"News\",\"PYMNTS News\"],\"articleSection\":[\"Earnings\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/\",\"name\":\"Chime Turns a Profit as Members Hit 10.2 Million\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Chime-earnings-xxx1.jpg\",\"datePublished\":\"2026-05-06T23:13:20+00:00\",\"dateModified\":\"2026-05-07T02:24:42+00:00\",\"description\":\"Chime\u2019s results provided a look into the growth and complexities associated with FinTechs, including competition, regulations and cyber risks.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Chime-earnings-xxx1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Chime-earnings-xxx1.jpg\",\"width\":1200,\"height\":720,\"caption\":\"Chime\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/earnings\\\/2026\\\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pymnts.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Chime Turns a Profit as Members Hit 10.2 Million\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#website\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/\",\"name\":\"PYMNTS.com\",\"description\":\"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pymnts.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#organization\",\"name\":\"PYMNTS\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/PYMNTS_2023_logo_black-1.png\",\"contentUrl\":\"https:\\\/\\\/www.pymnts.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/PYMNTS_2023_logo_black-1.png\",\"width\":3329,\"height\":687,\"caption\":\"PYMNTS\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pymnts\\\/\",\"https:\\\/\\\/x.com\\\/pymnts\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pymnts.com\\\/#\\\/schema\\\/person\\\/9f0152ca483ca33a5d8121739eadfe4b\",\"name\":\"PYMNTS\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g\",\"caption\":\"PYMNTS\"},\"description\":\"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.\",\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pymnts\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pymnts-com\",\"https:\\\/\\\/x.com\\\/pymnts\"],\"url\":\"https:\\\/\\\/www.pymnts.com\\\/author\\\/pymnts\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Chime Turns a Profit as Members Hit 10.2 Million","description":"Chime\u2019s results provided a look into the growth and complexities associated with FinTechs, including competition, regulations and cyber risks.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","og_locale":"en_US","og_type":"article","og_title":"Chime Turns a Profit as Members Hit 10.2 Million | PYMNTS.com","og_description":"The FinTech landscape is undoubtedly a mature one these days. But as Chime Financial\u2019s first quarter 2026 earnings call Wednesday (May 6) revealed, that","og_url":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","og_site_name":"PYMNTS.com","article_publisher":"https:\/\/www.facebook.com\/pymnts\/","article_author":"https:\/\/www.facebook.com\/pymnts","article_published_time":"2026-05-06T23:13:20+00:00","article_modified_time":"2026-05-07T02:24:42+00:00","og_image":[{"width":1200,"height":720,"url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","type":"image\/jpeg"}],"author":"PYMNTS","twitter_card":"summary_large_image","twitter_creator":"@pymnts","twitter_site":"@pymnts","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#article","isPartOf":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/"},"author":{"name":"PYMNTS","@id":"https:\/\/www.pymnts.com\/#\/schema\/person\/9f0152ca483ca33a5d8121739eadfe4b"},"headline":"Chime Turns a Profit as Members Hit 10.2 Million","datePublished":"2026-05-06T23:13:20+00:00","dateModified":"2026-05-07T02:24:42+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/"},"wordCount":648,"publisher":{"@id":"https:\/\/www.pymnts.com\/#organization"},"image":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","keywords":["Chime","Digital Banking","FinTech","News","PYMNTS News"],"articleSection":["Earnings"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.pymnts.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","url":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","name":"Chime Turns a Profit as Members Hit 10.2 Million","isPartOf":{"@id":"https:\/\/www.pymnts.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#primaryimage"},"image":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","datePublished":"2026-05-06T23:13:20+00:00","dateModified":"2026-05-07T02:24:42+00:00","description":"Chime\u2019s results provided a look into the growth and complexities associated with FinTechs, including competition, regulations and cyber risks.","breadcrumb":{"@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#primaryimage","url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","contentUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","width":1200,"height":720,"caption":"Chime"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pymnts.com\/"},{"@type":"ListItem","position":2,"name":"Chime Turns a Profit as Members Hit 10.2 Million"}]},{"@type":"WebSite","@id":"https:\/\/www.pymnts.com\/#website","url":"https:\/\/www.pymnts.com\/","name":"PYMNTS.com","description":"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.","publisher":{"@id":"https:\/\/www.pymnts.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pymnts.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.pymnts.com\/#organization","name":"PYMNTS","url":"https:\/\/www.pymnts.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pymnts.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2023\/05\/PYMNTS_2023_logo_black-1.png","contentUrl":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2023\/05\/PYMNTS_2023_logo_black-1.png","width":3329,"height":687,"caption":"PYMNTS"},"image":{"@id":"https:\/\/www.pymnts.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pymnts\/","https:\/\/x.com\/pymnts"]},{"@type":"Person","@id":"https:\/\/www.pymnts.com\/#\/schema\/person\/9f0152ca483ca33a5d8121739eadfe4b","name":"PYMNTS","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/679fcf5c2ed5358e99e8e23b22e3b5d761e37bdb76fa7b0e13d8ecd9ff01bf88?s=96&d=blank&r=g","caption":"PYMNTS"},"description":"The latest global news and analysis in payments, retail, fintech, financial services and the digital economy.","sameAs":["https:\/\/www.facebook.com\/pymnts","https:\/\/www.linkedin.com\/company\/pymnts-com","https:\/\/x.com\/pymnts"],"url":"https:\/\/www.pymnts.com\/author\/pymnts\/"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/pymnts.com\/earnings\/2026\/chime-leans-on-ai-pushes-upmarket-in-first-profitable-quarter\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":[],"rendered":"","tracker_url":"https:\/\/cdn.parsely.com\/keys\/pymnts.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/05\/Chime-earnings-xxx1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3712889","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/comments?post=3712889"}],"version-history":[{"count":5,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3712889\/revisions"}],"predecessor-version":[{"id":3713184,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/posts\/3712889\/revisions\/3713184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/media\/3712932"}],"wp:attachment":[{"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/media?parent=3712889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/categories?post=3712889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pymnts.com\/wp-json\/wp\/v2\/tags?post=3712889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}