Chime Financial : 2026 Q1 Earnings Supplement

Q1ʼ26

Supplemental Presentation

Our Mission To unite everyday people to unlocfi their financial progress.

Chime at a glance

Marfiet Leader

1 destination for consumers earning up to $100fi switching their direct deposit relationship1 1 share of new checfiing accounts according to J.D. Power2

1 banfiing brand according to TIME3

Deep Member Engagement

Majority of our Active Members rely on Chime as their primary financial relationship4

Deep, long-lasting, multi-product relationships monetized primarily via payments, 8x+ LTV:CAC

Proprietary Tech Platform

ChimeCore, our proprietary transaction processing core and ledger has accelerated product velocity, including new Chime Prime and Chime Plus membership tiers, Chime Card and Instant Loans

Large Marfiet Opportunity

$426B TAM opportunity5

Strong Financial Profile

Growth s Scale

$647M Q1ʼ26 Revenue,

+25% Y/Y6

Operating Leverage

18% adj. EBITDA margin6 (+13pp Y/Y) with 73% incremental margin in Q1ʼ26

Raising FYʼ26 Outloofi

22-23% revenue growth,

$416-$431M adj. EBITDA,

GAAP profitable for full year

1. Based on a Chime commissioned third-party survey conducted in July 2025 targeting Americans aged 18 to 54 years with a household income up to $100,000 who opened or switched to a new direct deposit account in the preceding 12-month period (the "Chime Banking and Switcher Survey")

2. J.D. Power "Fintech Brands Continue to Attract and Covert New Banking and Investment Accounts," March 11, 2026. Survey data from October and December 2025

3. According to a national survey published by Time Magazine in 2025 titled "World's Best Brands", which identified Chime as the top brand in the banking category in America, even though Chime is not a bank

   
   
   

   4

4. "Primary account relationship" or "primary financial relationship" refers to a member who had at least one qualifying direct deposit of $200 or more through Chime in the past calendar month or who made 15 or more purchases using their Chime cards in the past calendar month

5. According to a report by FS Vector that was commissioned by Chime, the Chime vs. Traditional Retail Banking Study, January 2025 (the "FS Vector Report")

6. For the quarter ended March 31, 2026 with comparisons to the quarter ended March 31, 2025

We lead the marfiet in growth and engagement

Share of New Checfiing Account Openings1 Monthly Transactions per Customer2

13%

Over 50% more than the largest bank

53

Over 2x more monthly engagement than next fintech

8%

7%

6%

5% 5%

3%

2% 2% 2%

24

~20

~10

6

~3 ~2

1. J.D. Power "Fintech Brands Continue to Attract and Covert New Banking and Investment Accounts," March 11, 2026. Survey data from October and December 2025

   
   
   

   5

2. Fintech A estimated based on the number of average weekly transactions made by Cash App cardholders in Q3 2024, disclosed in Block Inc.'s Q3 2024 Shareholder Letter. Presented here multiplied by 4 to estimate the number of monthly transactions; Fintech B estimated based on monthly active customer by quarterly cohort chart presented in the Registration Statement on Form F-1 filed by Nu Holdings, Inc. on December 3, 2021; Fintech C disclosed in Q3'25 investor presentation, Klarna card user purchase frequency based on 12 months of usage for users who signed up for the Klarna card in SWE/DE between Oct-23 and Sep-24; Fintech D disclosed Average Monthly Transactions per Monthly Transacting Member as of Q1'24 in Dave 1Q24 Earnings Presentation; Fintech E reflects transactions within the previous 12-month period ending 12/31/2025, divided by active accounts at the end of the period. TPA ex. PSP excludes both unbranded card processing transactions and unbranded active accounts (primarily Braintree) as of Q4'FY25 divided by 12, from PayPal 4Q & FY'25 Performance; Fintech F disclosed Affirm cardholders transacting more than 20 times per year as of 9/10/2025

We have several tailwinds supporting strong growth and continued operating leverage in '26 and beyond

Consistent Growth in our Core Business

Multiple Near-term Revenue Growth Drivers

New Product and GTM Roadmap

A growing member base - fueled by our market leading brand -and resilient, everyday

non-discretionary spend

Chime Card MyPay Instant Loans Chime Prime

Investment products Trump accounts Joint accounts Jade AI co-pilot Chime Enterprise

Continued strong operating leverage

ChimeCore and our ongoing AI initiatives unlock greater efficiency and accelerate product velocity without growing headcount

6

Accelerating product velocity is driving momentum across our business

Strong Active Member growth at attractive paybacfis

• Added nearly 700k net new Actives in Q1, our strongest quarter ever

• 5-6 quarter payback periods continue to support LTV:CACs of 8x+

Launched Chime Prime: the most rewarding way to banfi

• Chime Prime offers members industry leading rewards, APY and premium perks - at no cost

• Early results demonstrate positive impact on direct deposit conversion and retention

Chime Card grew credit mix to

~25%1, from 16% last year

• Nearly 50% of Active Members spent on a secured credit card in March '26

• Net of rewards, Chime Card earns nearly 2x the take rate of our debit card

MyPay transaction profit $ʼs grew 10x Y/Y

• MyPay at over 60% txn margin, with losses remaining at 1%, our steady state target

• New variable pricing structure unlocks expanded MyPay access, driving higher monetization while remaining low cost

Instant Loans scaling at attractive unit margins

• Unit economics improve as portfolio matures, with up to 50% lower loss rates on repeat loans

• Doubled volume Q/Q for 9- and 12-month loans for repeat borrowers, on which we earn better economics

Continued momentum for Chime Enterprise

• Signed four new employer partners, including a partner with >65k employees

• Strong employee adoption and engagement among live employer partners

Refer to Glossary for definitions

(1) As of March 2026. Credit mix defined as total Purchase Volume conducted on a credit card (Chime Card or Credit Builder) as a percentage of total Purchase Volume for that same time period. 7

Q1ʼ26

Financial Results

Q1ʼ26

Y/Y

Q1ʼ26

Y/Y

Margin

In Q1, we delivered 25% Y/Y revenue growth, 73% incremental adj. EBITDA margin, and our first quarter of GAAP profit post-IPO

Key Operating Metrics

Financial Highlights

Active Members

10.2M

+19%

Purchase Volume

$38.7B

+12%

+15% with OIT

ARPAM

$263

+5%

9

Revenue

$647M

+25%

-

Gross Profit

$580M

+27%

90%

Transaction Profit

$491M

+41%

76%

Adjusted EBITDA

$119M

:53M

GAAP

Net Income

+373%

18%

+13 pp Y/Y

Refer to Glossary for definitions of Key Operating Metrics and Financial Highlights

Revenue

Recent initiatives - incl. Chime Card, MyPay, and Instant Loans - drove strong growth in both Payments and Platform-related revenue in Q1

Q1 benefits from tax refund-related seasonality1

Platform-Related Revenue2

Revenue (in millions)

$596

Total Revenue: 25% Y/Y

$647

$633-643

Payments Revenue3

$392 $384

$75 $76

$317 $308

$422

$110

$312

$475

$136

$339

$519

$143

$375

$528

$162

$366

$544

$180

$363

$200

$396

$215

$433

Q1ʼ24 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26

Guidance

1. Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances.

   10

2. We earn platform-related revenue from other products offered to our members that provide additional convenience, financial management tools, and access to liquidity. These products include access to ATMs, MyPay, high yield savings, third-party partnerships, SpotMe, cash deposits, and Outbound Instant Transfer (OIT).

3. We recognize payments revenue based on interchange fees generated from purchase transactions made by members using their Chime-branded debit and credit cards

Active Members

In Q1, we added nearly 700fi Active Members Q/Q, and 1.6M Y/Y, and now serve over 10M total Active Members

Q1 benefits from tax refund-related seasonality1

Active Members (in millions)

+1.6M Y/Y

+23% Y/Y

9.5

+1.6M Y/Y

+19% Y/Y

10.2

7.0 7.1

7.5

8.0

8.6

8.7

9.1

Q1ʼ24

Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25

Q1ʼ26

1. Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances. 11

Active Members

Efficient paybacfi periods and durable cohort performance drive LTV:CACs of 8x+

Cumulative Transaction Profit less CAC per Original Active Member by Cohort

Higher activation rates, strong product adoption, and expanded monetization driving 5-6 quarter paybacks in recent cohorts

Cumulative Transaction Profit per Original Active Member by Quarterly Cohort

100%+ LTM net dollar Transaction Profit retention1 for all cohorts drive LTV:CACs of 8x+

Q1'16

Q1'26

12

1. Net dollar Transaction Profit retention is a measure of the total transaction profit retained by existing members across periods net of churn. We calculate net dollar transaction profit retention by dividing transaction profit in the current period from all members that first became active at least one year prior to such period, by transaction profit from those same members in the prior period, inclusive of any members that have churned. We only include members that first became active at least one year prior to avoid comparing a full period of transaction profit in the current period to a partial period of transaction profit in the prior period. For purposes of this calculation, we measure transaction profit for the trailing 365 days for each period to aid comparability from period to period in light of leap years.

Purchase Volume

Resilient member spend trends, combined with higher tafie rates from Chime Card, drove 19% Payments + OIT Revenue growth in Q1 OIT1 Volume Purchase Volume

Purchase and OIT Volume (in billions)

$34.8

$35.3

$39.9

$1.2

$0.2

$32.9

$33.0

$0.9

$29.2

$27.6

$30.4

$28.0

$0.4 $0.6

$34.5

$32.4 $32.3

$34.4

$38.7

Q1ʼ24 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26

Q1 benefits from tax

Credit Mix3

16% 16% 16% 19%

23%

refund-related seasonality2

PV + OIT Volume Y/Y	19%	19%	18%	16%	15%
Payments + OIT Revenue Y/Y	20%	21%	20%	21%	19%

13

1. OIT is an 'OCT push' transaction that allows members to transfer funds instantly to an external account (e.g. P2P app, investment account, or another bank account) directly from the Chime app over the Visa rails

2. Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances.

3. Credit mix defined as total purchase volume conducted on a credit card (Chime Card or Credit Builder) as a percentage of total Purchase Volume for that same time period

America's 1 choice in banfiing is now even more rewarding with Chime Prime, our new premium membership tier

Monīhly ʘualirying Dirєcī Dєposiī	$200	$3,000
Cash back	2% (category of your choice)	5% (category of your choice)
Savings APY	3.00%	3.75%
Pre-qualified Instant Loan starting at $100		✔
Travel Perks & Giveaways		✔
Premium Metal Card		✔
Grow your credit 70+ points	✔	✔
MyPay up to $500 before payday	✔	✔
Fee-free banking	✔	✔

Confidential | 14

ARPAM

ARPAM grew 5% Y/Y, and 14% over 2 years, to $263 in Q1, fueled by continued product innovation and deeper engagement

Q1 benefits from tax refund-related seasonality1

$231

$218

$231

$245

Annual ARPAM

$251

$245

$245

$257

14% 2yr growth

5% Y/Y

$263

Q1ʼ24 Q2ʼ24 Q3ʼ24

Q4ʼ24 Q1ʼ25

Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26

Initial rollout of MyPay

1. Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances. 15

ARPAM

Product Attach - All Active Members1

Cohorted ARPAM2

Weʼre driving higher attach rates across our growing product ecosystem, with tenured cohorts reaching ARPAM of over $400

ARPAM grows as cohorts mature, with tenured cohorts exceeding $400

Q4'16

Q4'25

Years since first active quarter

Newer cohorts are attaching to more products faster

Members using 6+ products per month, 15% of all Active Members, generate ARPAM of $500+

Q4'16

Q4'25

Years since first active quarter

16

1. The average number of products that our Active Members have used each month, since the origination of their cohort, for quarterly cohorts for the first quarter of each year since 2016

2. ARPAM of our Active Members each year since the origination of their quarterly cohort, for quarterly cohorts for the first quarter of each year since 2016

Gross & Transaction Margin

Our ChimeCore migration and improving loss rates on our liquidity products increased transaction margin 9pp Y/Y to 76% in Q1

Gross Profit

Gross Profit s Transaction Profit (in millions)

$530

Gross Profit: 27% Y/Y Transaction Profit: 41% Y/Y

$580

Transaction Profit

$345 $334

$368

$419

$458

$461

$474

$308

$299

$313

$326

$349

$363

$377

$427

$491

	Q1ʼ24	Q2ʼ24	Q3ʼ24	Q4ʼ24	Q1ʼ25	Q2ʼ25	Q3ʼ25	Q4ʼ25	Q1ʼ26
Gross Margin %	88%	87%	87%	88%	88%	87%	87%	89%	90%
Transaction Margin %	79%	78%	74%	69%	67%	69%	69%	72%	76%

17

MyPay

In Q1, we grew MyPay transaction profit $ʼs 10x Y/Y while maintaining loss rates of 1%

Tax refunds drive seasonally lower liquidity product utilization in Q11

MyPay Transaction Profit ($M)

Q1ʼ25

Q2ʼ25

Q3ʼ25

$6 $23 $41

Q4ʼ25

$59

Q1ʼ26

$64

+10x Y/Y

Revenue Transaction Margin

Loss Rates

$64M 10%

1.7%

$78M 30%

1.4%

$88M 46%

1.2%

$103M 58%

1.0%

$104M 62%

1.0%

18

(1) Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances.

Transaction Profit

We are compounding growth across Actives (+19%), ARPAM (+5%) and txn margin (+9pp), with 41% Y/Y TP growth in Q1 and 100%+ TP retention

Consistent growth in Active Members at 8x+ LTV:CAC

Deeper engagement drives ARPAM of $400+ for tenured cohorts

LTM Transaction Profit by Annual Cohort ($M)

100%+

Net dollar Transaction Profit retention among all cohorts for last twelve months

Margin expansion driven by ChimeCore and DD-based underwriting

19

Non-GAAP OpEx

We continue to demonstrate strong fixed cost leverage, with non-GAAP OpEx as a % of revenue improving 5 pp Y/Y in Q1 Non-GAAP GsA Non-GAAP TsD

Non-GAAP MSsO Non-GAAP SsM

Non-GAAP OpEx as % of Revenue1

75%

9%

72%

78%	78%
10%	10%
19%	18%
18%	16%

10%

63%

66%

65%

63%

(5) pp Y/Y

19%

17%

16%

16%

8% 9%

14%

15%

8% 9%

58%

15%	15%	13%
15%	14%	14%

7%

13%

13%

30%		31%		34%		30%		25%		27%		28%		27%		25%
Q1ʼ24		Q2ʼ24		Q3ʼ24		Q4ʼ24		Q1ʼ25		Q2ʼ25		Q3ʼ25		Q4ʼ25		Q1ʼ26
$294		$298		$330		$341		$328		$350		$352		$374		$376

Non-GAAP OpEx

(in millions)

(1) Non-GAAP Operating Expenses exclude stock-based compensation expense and certain expenses that do not reflect our core operations and may vary significantly from period to period, including restructuring charges, impairment expenses,

and certain legal and regulatory charges. Non-GAAP operating expenses also exclude transaction and risk loss and depreciation and amortization. Please see the reconciliation from GAAP to non-GAAP measures contained in the Appendix. 20

Adj. EBITDA

In Q1, we improved adj. EBITDA margin by 13pp Y/Y, with incremental margins >70%, and generated $53M of GAAP net income

4% 1%		Adjusted EBITDA Margin 5% 3%	5%	73% incremental adj. EBITDA margin 18% 10%		11% - 12%
	-3%	-3% +2pp	+9 pp	+12 pp +13 pp		+8 pp Q2'25-Q2'26
		Q2'24-	Q3'24-	Q4'24-	Q1'25-
		Q2'25	Q3'25	Q4'25	Q1'26

Q1ʼ24

Q2ʼ24

Q3ʼ24

Q4ʼ24

Q1ʼ25

Q2ʼ25

Q3ʼ25

Q4ʼ25

Q1ʼ26

Q2ʼ26

Guidance

$15

Adj. EBITDA

(in millions)

$3 $(14) $(12) $25 $16

$29

$57

$119

:53M

GAAP

Net Income

$72 - $77

$57

21

We are raising our full year guide on both top and bottom lines, now expecting incremental adj. EBITDA margins above 60%

Chimeʼs financial outloofi for the second quarter and full year 2026

Q2'26

Revenue

$633 to $643 million

Full Year 2026

$2.66 to $2.69 billion

Prior: $2.63 īo $2.67 billion

Adjusted EBITDA

$72 to $77 million

$416 to $431 million

Prior: $380 īo $400 million

Incremental adj. EBITDA margin of ~60% for FY

Adjusted EBITDA Margin 11% to 12% 16%

Y/Y Growth 20% to 22% 22% to 23%

22

Appendix

GAAP to non-GAAP reconciliation: transaction profit and margin

(in īhousands, єxcєpī

2024

2024

2024

2024

Three months ended

March 31,

June 30,

September 30,

December 31,

March 31,

June 30,

September 30,

December 31,

March 31,

2025

2025

2025

2025

2026

pєrcєnīagєs)

Revenue $ 391,972 $ 384,214 $ 421,871 $ 475,212 $ 518,744 $ 528,149 $ 543,519 $ 596,358 $ 647,387

Gross profit $ 344,525 $ 333,710 $ 368,355 $ 419,168 $ 458,326 $ 461,029 $ 474,118 $ 530,250 $ 580,313

Gross margin 88% 87% 87% 88% 88% 87% 87% 89% 90%

Adjusted for: Transaction and risk losses

36,038 35,000 55,159 93,490 109,145 98,247 97,053 102,878 88,905

Transaction profit $ 308,487 $ 298,710 $ 313,196 $ 325,678 $ 349,181 $ 362,782 $ 377,065 $ 427,372 $ 491,408

Transaction margin 79% 78% 74% 69% 67% 69% 69% 72% 76%

24

GAAP to non-GAAP reconciliation: adjusted EBITDA and adjusted EBITDA margin

Three months ended

(in īhousands, єxcєpī	March 31,	June 30,	September 30,	December 31,	March 31,	June 30,	September 30,	December 31,	March 31,
pєrcєnīagєs)	2024	2024	2024	2024	2025	2025	2025	2025	2026
Net income (loss)	$ 15,903	$ 385	$ (22,026)	$ (19,606)	$ 12,939	$ (923,376)	$ (54,722)	$ (44,777)	$ 53,456
Net margin	4%	0%	(5%)	(4%)	2%	(175%)	(10%)	(8%)	8%
Adjusted for:
Depreciation and amortization expense	5,234	6,117	6,897	7,122	7,258	7,411	7,514	7,817	7,665
Other (income) expense, net1	(10,509)	(9,904)	(10,817)	(8,235)	(5,354)	(6,215)	(10,268)	(9,037)	(7,748)
Provision (benefit) for income taxes	(362)	78	2,199	695	1,552	(1,047)	280	46	455
Stock based compensation and related payroll tax	5,175	6,419	10,134	8,117	8,696	928,062	85.953	70,113	64,816
Stock-based charitable contribution expense2	-	-	-	-	-	11,168	-	-	-
Third-party processor termination costs3	-	-	-	-	-	-	-	32,564	-
Adjusted EBITDA	$ 15,441	$ 3,095	$ (13,613)	$ (11,907)	$ 25,091	$ 16,003	$ 28,757	$ 56,746	$ 118,644
Adjusted EBITDA margin	4%	1%	(3%)	(3%)	5%	3%	5%	10%	18%

25

1. Relates primarily to interest income, which consists of interest and dividends earned on our cash and cash equivalents and marketable securities

2. Relates to expenses for the 1% pledge, committing to donate 1% of Chime's equity as of our pledge date, or 3,210,192 shares of our Class A common stock, over the next 10 years to fund the Chime Scholars Foundation

3. Consists of one-time costs incurred in connection with ceasing the use of our third-party payment processor

GAAP to non-GAAP reconciliation: operating expenses

2024

(in īhousands, єxcєpī pєrcєnīagєs) March 31,

June 30,

2024

September 30,

2024

December 31,

2024

Three months ended

Non-GAAP member support and operations % of revenue

25%

17%

18%

16%

16%

15%

15%

14%

14%

13%

Non-GAAP sales and marketing % of revenue

30%

31%

34%

30%

25%

27%

28%

27%

(473)

(771)

(4,593)

(776)

(1,010)

(1,063)

Adjusted for: stock based compensation and related payroll tax

Adjusted for: stock based compensation and related payroll tax

(225)

(275)

(8,936)

(383)

(483)

(43,403)

(4,128)

(5,156)

(1,124)

(122,586)

(10,172)

(8,325)

March 31,

2025

June 30,

2025

September 30,

2025

December 31,

2025

March 31,

2026

Member support and operations $ 68,068 $ 69,821 $ 70,054 $ 78,913 $ 78,609 $ 203,097 $ 83,658 $ 92,614 $ 95,399

Member support and operations % of revenue

17% 18% 17% 17% 15% 38% 15% 16% 15%

Non-GAAP member support and operations

$ 67,005 $ 68,811 $ 69.278 $ 78,142 $ 77,485 $ 80,511 $ 73,486 $ 84,289 $ 86,463

Sales and marketing $ 117,047 $ 118,021 $ 143,123 $ 141,569 $ 132,573 $ 185,006 $ 153,608 $ 164,197 $ 165,431

Sales and marketing % of revenue 30% 31% 34% 30% 26% 35% 28% 28% 26%

Non-GAAP sales and marfieting $ 116,822 $ 117,746 $ 142,650 $ 141,186 $ 132,090 $ 141,603 $ 149,480 $ 159,041 $ 160,838

Non-GAAP Operating Expenses exclude stock-based compensation expense and certain expenses that do not reflect our core operations and may vary significantly from period to period, including restructuring charges, impairment expenses, and

certain legal and regulatory charges. Non-GAAP operating expenses also exclude transaction and risk loss and depreciation and amortization. 26

GAAP to non-GAAP reconciliation: operating expenses

2024

(in īhousands, єxcєpī pєrcєnīagєs) March 31,

June 30,

2024

September 30,

2024

December 31,

2024

Three months ended

Adjusted for: stock based compensation and related payroll tax

7%

Adjusted for: stock based compensation and related payroll tax

(2,320)

(2,445)

(4,467)

(27,425)

(3,386)

(221,857)

(31,383)

(24,284)

(23,862)

(3,703)

(540,216)

(40,270)

(32,368)

Non-GAAP general and administrative % of revenue

9%

10%

10%

10%

8%

9%

8%

9%

-

13%

Non-GAAP technology and development % of revenue

19%

19%

18%

16%

14%

15%

15%

13%

-

Adjusted for: Third-party processor termination cost

(1,567)

-

-

-

-

-

-

32,564

(3,214)

(3,749)

(4,418)

(2,689)

March 31,

2025

June 30,

2025

September 30,

2025

December 31,

2025

March 31, 2026

Technology and development $ 74,930 $ 75,371 $ 80,400 $ 78,874 $ 77,882 $ 621,754 $ 123,942 $ 111,347 $ 109,780

Technology and development % of revenue

19% 20% 19% 17% 15% 118% 23% 19% 17%

Non-GAAP technology and development

$ 73,363 $ 72,682 $ 75,982 $ 75,125 $ 74,179 $ 81,538 $ 83,672 $ 78,979 $ 82,355

General and administrative $ 39,252 $ 41,638 $ 46,645 $ 49,694 $ 47,173 $ 279,667 $ 76,575 $ 108,698 $ 70,467

General and administrative % of

revenue

10% 11% 11% 10% 9% 53% 14% 18% 11%

Adjusted for: stock-based charitable contribution

- - - - - (11,168) - - -

Non-GAAP general and administrative

$ 36,932 $ 39,193 $ 42,178 $ 46,480 $ 43,787 $ 46,642 $ 45,192 $ 51,850 $ 46,605

Non-GAAP Operating Expenses exclude stock-based compensation expense and certain expenses that do not reflect our core operations and may vary significantly from period to period, including restructuring charges, impairment expenses, and

certain legal and regulatory charges. Non-GAAP operating expenses also exclude transaction and risk loss and depreciation and amortization. 27

GAAP to non-GAAP reconciliation: incremental adj. EBITDA margin

Three months ended Twelve months ended

2025

(in thousands, except percentages) March 31,

March 31,

2026

December 31,

2024

December 31,

2025

Net Income (loss) $ 12,939 $ 53,456 $ (25,344) $ (1,009,936)

Adjusted for:

Depreciation and amortization expense 7,258 7,665 25,370 30,000

Other (income) expense, net1 (5,354) (7,748) (39,465) (30,874)

Provision (benefit) for income taxes 1,552 455 2,610 831

Stock-based compensation and related payroll tax 8,696 64,816 29,845 1,092,844

Stock-based charitable contribution 0 0 0 11,168

Third-party processor termination costs2 0 0 0 32,564

Adjusted EBITDA $ 25,091 $ 118,644 $ (6,984) $ 126,597

Revenue $ 518,744 $ 647,387 $ 1,673,269 $ 2,186,770

Net Income (loss) margin 2% 8% (2%) (46%)

Incremental net income (loss) margin - 31% - (192%)

Adjusted EBITDA margin 5% 18% (0%) 6%

Incremental adjusted EBITDA margin - 73% - 26%

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1. Relates primarily to interest income, which consists of interest and dividends earned on our cash and cash equivalents and marketable securities

2. Consists of one-time costs incurred in connection with ceasing the use of our third-party payment processor.

Estimated LTV:CAC

Three months ended

	March 31, 2026
ARPAM	$ 263
Transaction Margin	76%
Active Member churn in second year and thereafter	10%
LTV	$1,995
CAC	$107
Active Member churn in first year	50%
CAC including Year 1 Churn	$214
LTV / CAC	9.3x

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Stocfi based compensation totaled 10% of revenue in Q1, down from 12% in Q4

Fully Diluted Share Count (in millions)1

Dilutive Shares2 Basic Share Count

Stock Based Compensation Expense (in millions)

IPO Bullet Charge3

Stock-based charitable contribution expense4 Employee and Service Provider Awards

440

69

440

66

438

58

445

63

$939

$813

$11

371

374

380

383

$115

$86

$70

$65

Q2'25 Q3'25 Q4'25 Q1'26

SBC as % of Total Revenue5

Q2'25 Q3'25 Q4'25 Q1'26

22% 16% 12% 10%

1. Excludes shares remaining for issuance

2. Under GAAP, for any period with net income, diluted EPS is calculated using the treasury method for diluted shares, which may cause differences compared to diluted shares shown in this schedule dependent on Chime's share price.

   
   
   

3. Stock-based compensation expense recognized upon IPO related to service periods prior to Q2'25

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4. Relates to expenses for the 1% pledge, committing to donate 1% of Chime's equity as of our pledge date, or 3,210,192 shares of our Class A common stock, over the next 10 years to fund the Chime Scholars Foundation

5. SBC % of Revenue calculated as total employee and service provider awards divided by total revenue; excludes IPO bullet charge and stock-based charitable contribution expense

Definitions

"Acquisition cost per new Active Member," or "CAC" refers to the total amount of the following expenses: advertising, brand marketing, referral bonuses, and other marketing incentives, incurred in the acquisition of new Active Members, divided by new Active Members acquired in that period.

"Active Member" refers to a member who has initiated a money movement transaction on our platform in the last calendar month of the applicable period. Member-initiated money movement transactions include, but are not limited to, purchases with Chime-branded debit or credit cards, funding a member account, withdrawing funds from an ATM, sending or receiving funds with Pay Anyone, or taking or repaying a MyPay advance or Instant Loan.

"Adjusted EBITDA" is defined as net income (loss), adjusted for (i) depreciation and amortization expense, (ii) other income (expense), net, (iii) provision (benefit) for income taxes, (iv) stock-based compensation expense including related payroll tax, and (v) certain expenses that do not reflect our core operations and may vary significantly from period to period, including restructuring charges, impairment charges, stock-based charitable expense, and certain legal and regulatory charges, as applicable.

"Annual Revenue Run Rate" is defined as quarterly revenue times four.

"Average Revenue per Active Member," or "ARPAM" is defined as revenue generated in the calendar quarter multiplied by four and divided by the average of the number of Active Members at the end of the prior quarter and the end of the current quarter.

"Gross profit" is defined as revenue less cost of revenue.

"Incremental adjusted EBITDA margin" is defined as the period on period change in adjusted EBITDA divided by the period on period change in revenue.

"LTV" is defined as ARPAM times transaction margin divided by the average churn rate in the cohort's second year and thereafter.

"Margin" is defined as percentage of revenue.

"MyPay transaction margin" is defined as MyPay revenue net of MyPay transaction losses, divided by MyPay revenue.

"Outbound Instant Transfer," or "OIT" is an 'OCT (Original Credit Transaction) push' transaction that allows members to transfer funds instantly to an external account (e.g. P2P app, other bank account) directly from the Chime app over the Visa rails. OIT volume is total dollar volume of these transactions during a given period, net of any adjustments or refunds.

"Purchase Volume," or "PV" is defined as the total dollar value of member purchase transactions using Chime-branded debit or credit cards during a given period, net of any adjustments or refunds. Purchase Volume does not include other types of transaction volumes such as deposits, ATM withdrawals, SpotMe and MyPay advances, Instant Loans, sending or receiving funds with Pay Anyone, outbound instant transfers, and other types of ACH or direct debit transfers.

"Transaction profit" is defined as gross profit less transaction and risk losses. Transaction profit is a non-GAAP metric. We define "transaction margin" as transaction profit divided by revenue.

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