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1 Earnings Presentation Q3ʼ26
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2 Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which statements involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or future financial or operating performance. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “expect,” “plan,” “anticipate,” “could,” “would,” “intend,” “target,” “project,” “contemplate,” “believe,” “estimate,” “predict,” “potential,” “goal,” “objective,” “seek,” or “continue,” or the negative of these words or other similar terms or expressions that concern Chimeʼs expectations, strategy, plans, or intentions. Forward-looking statements in this presentation may include, among others, statements relating to our future results of operations or financial performance; our business and growth strategy, including future product development plans; our ability to attract and retain Active Members and develop primary account relationships; our market opportunity; the performance of newly launched products and innovations; our technological capabilities; the demand for Chimeʼs products and services; our expectations and management of future growth; our proposed acquisition of Stride Bank, N.A. including expected timing of closing, receipt of regulatory and shareholder approvals, anticipated synergies, and anticipated impacts on our business and operation; and our expectations regarding our industry and traditional banks. Investors should not put undue reliance on any forward-looking statements. Forward-looking statements should not be read as a guarantee of future performance or results, and will not necessarily be accurate indications of the times at, or by, which such performance or results will be achieved, if at all. Forward-looking statements are based on information available at the time those statements are made or on managementʼs good faith beliefs and assumptions as of that time with respect to future events, and are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in, or suggested by, the forward-looking statements. These risks and uncertainties include risks related to our ability to attract and retain Active Members; our relationships with our bank partners; changes in rules and practices concerning interchange fees, card network fees, and other fees and assessments; our ability to maintain and protect our brand; our ability to maintain member satisfaction and provide reliable member support; our ability to develop new products and enhancements for existing products; our reliance on third parties and their systems; our history of net losses and ability to achieve and maintain profitability; and the complex and evolving laws and regulations applicable to our business and the banking ecosystem. Further information on these risks and other factors that could affect our financial results are set forth in our filings with the Securities and Exchange Commission, including in our most recent Quarterly Report on Form 10-Q. In light of these risks and uncertainties, the forward-looking events and circumstances discussed in this presentation may not occur and actual results could differ materially from those anticipated or implied in the forward-looking statements. Moreover, we operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements contained in this presentation. Except as required by law, Chime does not undertake any obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments, or otherwise. Key Metrics This presentation includes key metrics that we use to evaluate our operating performance, formulate business plans, prepare budgets and forecasts, and make strategic decisions. Our key metrics include Active Members, Average Revenue Per Active Member (“ARPAM”), and Purchase Volume. Definitions of our key metrics can be found in the appendix to this presentation (the “Appendix”). Non-GAAP Financial Measures To supplement our consolidated financial information prepared and presented in accordance with U.S. generally accepted accounting principles (“GAAP”), we use certain financial measures that are not prepared in accordance with GAAP, including transaction profit, transaction margin, non-GAAP operating expenses, adjusted EBITDA, and adjusted EBITDA margin, to facilitate analysis of our financial trends and for internal planning and forecasting purposes. We use these non-GAAP financial measures in conjunction with GAAP measures to evaluate our operating performance, formulate business plans, prepare budgets and forecasts, and make strategic decisions, including those relating to operating expenses and the allocation of internal resources. We believe that these non-GAAP financial measures provide useful information to investors, analysts, and others about our business and financial performance, enhance their overall understanding of our performance, and can assist in providing a more consistent and comparable overview of our financial performance across periods. Our definitions may differ from the definitions used by other companies and therefore comparability may be limited. In addition, other companies may not publish these or similar metrics. Further, these metrics have certain limitations in that they do not include the impact of certain expenses that are reflected on our consolidated statements of operations. Accordingly, our non-GAAP financial measures are presented for supplemental purposes only and should be considered in addition to, and not as substitutes for, or in isolation from, measures prepared in accordance with GAAP. A reconciliation of these measures to the most directly comparable GAAP measures is included in the Appendix. We have not provided the forward-looking GAAP equivalents for certain forward-looking non-GAAP measures included in this presentation and the accompanying conference call, or a GAAP reconciliation, as a result of the uncertainty regarding, and the potential variability of, reconciling items such as stock-based compensation expense. Accordingly, a reconciliation of these forward-looking non-GAAP metrics to their corresponding forward-looking GAAP equivalents is not available without unreasonable effort. However, it is important to note that material changes to reconciling items could have a significant effect on future GAAP results. Chime is a technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Chime is not FDIC-insured.
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3 Our Mission To unite everyday people to unlock their financial progress.
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4 ¹ Based on a blind May 2026 representative survey conducted by Chime using a third-party survey platform, Chime was chosen among listed financial services providers more often by consumers who opened a new personal checking account at a different institution within the preceding six months. Chime offers access to checking accounts used for everyday banking.² According to a national survey published by Time Magazine in 2025 titled “Worldʼs Best Brands”, which identified Chime as the top brand in the banking category in America, even though Chime is not a bank.³ “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.⁴ The transaction is expected to close in 1H27 .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 September 30, 2026 with comparisons to the quarter ended September 30, 2025. 7 FYʼ26 outlook does not include any results attributable to Stride. The transaction is expected to close in 1H27 . #1 share of new checking accounts opened in the US1 #1 banking brand according to TIME2Market Leader Majority of our Active Members rely on Chime as their primary financial relationship3 Deep, long-lasting, multi-product relationships monetized primarily via payments, nearly 10x LTV:CAC Deep Member Engagement Large Market Opportunity $426B TAM opportunity5 at a glance ChimeCore, our proprietary transaction processing core and ledger, has accelerated product velocity, including: Chime Prime, Chime Invest, Visa Flex, Jade, Joint Accounts and Line of Credit Chime Bank completes our platform, from the national charter to the ChimeCore ledger to the customer experience4 End-to-end platform built for AI era Growth & Scale $718M Q3ʼ26 Revenue, +32% Y/Y6 Strong Financial Profile Operating Leverage 19% adj. EBITDA margin6 (+14pp Y/Y) with 62% incremental margin in Q3ʼ26 Raising FYʼ26 Outlook7 28% revenue growth, $519-$524M adj. EBITDA, GAAP profitable
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5 More Americans are choosing Chime than any other financial institution ¹ Based on a blind May 2026 representative survey conducted by Chime using a third-party survey platform, Chime was chosen among listed financial services providers more often by consumers who opened a new personal checking account at a different institution within the preceding six months. Chime offers access to checking accounts used for everyday banking. ² Refer to Glossary for definitions of Key Operating Metrics and Financial Highlights Active Members (Millions)2 22% CAGR Share of consumers switching their checking account1
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6 The depth of our engagement is unparalleled in Consumer Fintech, with Avg. Revenue per Active Member (ARPAM) that nearly triples over time ¹ 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 Q3ʼ25 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 Q1ʼ24 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 Q4ʼFY25 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 ² ARPAM of our Active Members each year since the origination of their quarterly cohort, for quarterly cohorts for the second quarter of each year since 2016 53 24 ~20 6 ~3 ~2 Monthly Transactions per Customer1 Over 2x more monthly engagement than next fintech ~10 Years since first active quarter Cohorted ARPAM2 ARPAM grows as cohorts mature, with ~$400 ARPAM for tenured cohorts Q2ʼ16 Q2ʼ26
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7 Our 3-5x cost advantage continues to expand, enabling us to profitably serve the largest segment of the market ¹ Bank average cost-to-serve for 2023 (in each case, excluding marketing costs) for the three largest banks by U.S. deposit volume (Bank of America, J.P. Morgan Chase, and Wells Fargo) and for a group of medium-sized and regional banks (BMO, KeyBank, PNC Bank, TD Bank, and U.S. Bank), from Chime commissioned FS Vector Report. Chimeʼs average cost-to-serve a deposit customer is defined as the sum of cost of revenue and operating expenses, excluding transaction and risk losses associated with our liquidity products, customer acquisition expenses, depreciation and amortization relating to operating expenses, and stock-based compensation divided by the average of the number of Active Members at the beginning and end of the quarter specified. Cost-to-serve1 (Q3 2026) Medium-Sized & Regional Banks Large Banks $740 $450 $137 Weʼve expanded ARPAMs while consistently reducing our cost-to-serve1 $201 $204 $270 $137 ARPAM Cost-to-serve +32% -32%
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8 Chime offers the most rewarding banking for mainstream America Low-cost earned wage access Line of Credit Up to 5% cash back rewards Visa Flex High yield savings: up to 4.00% APY Instant Loans Joint Accounts Automatic savings tools Fee free overdraft No min balances or maintenance fees Grow your credit score 70+ points Lifestyle perks Chime Invest 47 ,000+ fee-free ATM network
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9 Q3 was our strongest quarter as a public company Refer to Glossary for definitions Accelerated growth and profitability ● Revenue grew 32% Y/Y, up from 27% in Q2 ● Adj. EBITDA margin up 14pp Y/Y to 19%; 3rd straight quarter of GAAP net income Chime Prime is expanding who we serve & how we serve them ● 1.8M net new Actives over L12M, our most ever, including those earning up to $200k ● LTV:CACs of nearly 10x, up from ~8x when we went public Building for the AI era ● Product level: Agents help consumers find and switch to the best financial products, at the lowest cost from trusted brands, like Chime ● Agent level: Scaling Jade, our personal finance agent, to help members optimize their finances; Creating secure access to chosen AI agents Stride acquisition completes our end-to-end platform built for AI era ● Expected to close in 1Hʼ27 , with >$100M of annual net after-tax synergies ● Chime remains payments-led, and asset-light, with ~$6.5B in pro forma assets $50B annualized origination of short-duration, low-risk products ● Doubled MyPay limits to $1,000, driving a record $5.3B in originations ● Instant Loans: >$115M annualized revenue, used by >20% of Active Members Structurally higher growth and profitability outlook ● Acquiring members at a record pace and launching products faster than ever ● Delivering meaningful operating efficiency, while making high ROI investments in growth
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10 Financial Results Q3ʼ26
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11 We accelerated revenue growth to 32% Y/Y, and delivered 19% adj. EBITDA margin and third straight quarter of GAAP profit Key Operating Metrics Financial Highlights Active Members ARPAM $38.5BPurchase Volume 10.9M $270 +19% +20% +10% Revenue $718M +32% – Gross Profit $646M +36% 90% Transaction Profit $530M +41% 74% Refer to Glossary for definitions of Key Operating Metrics and Financial Highlights Adjusted EBITDA $137M 19% +14 pp Y/Y +377% Q3ʼ26 Y/Y Q3ʼ26 Y/Y Margin +22% with OIT Net Income $44M 6% +16 pp Y/YNM
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12 Revenue growth accelerated for the second straight quarter to 32% Y/Y, with faster growth of both Payments and Platform-related revenue $384 $475 $422 $76 $136 $110 $143 $308 $339 $312 $375 Payments Revenue3 Platform-Related Revenue2 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. 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 $366 $162 $528 Revenue (in millions) $363 $180 $544 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 Q3ʼ26 $718 $396 $200 $596 $433 $215 $647 $430 $240 $670 Revenue Y/Y 25% 32% 39% 32% 37% 29% 25% 25% 27% Tax Refund Season Uplift Post Tax Tax Refund Season Uplift Post Tax $75 $317 Q1ʼ24 26% Tax Refund Season Uplift Post Tax Q1 benefits from tax refund-related seasonality1 $392 $519 $274 $444 Q4ʼ26Guidance $757 - $767 27% - 29%32% Revenue
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13 In Q3, Active Members increased 20% Y/Y to 10.9M, with 1.8M added over the last 12 months, our most ever 10.2 Active Members (in millions) 7 .1 7 .5 8.0 8.7 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 9.1 Q3ʼ26 Q1 benefits from tax refund-related seasonality1 Q2ʼ24 8.6 9.5 10.4 Active Members Y/Y 21% 19% 21% 23% 23% 21% 19% 19% Tax Refund Season Uplift +100k +200k Tax Refund Season Uplift Post Tax Q1ʼ24 19% +100k 7 .0 Tax Refund Season Uplift Post Tax Post Tax 20% 10.9 20% Q2ʼ26 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. Active Members
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14 Weʼve accelerated member adds while lowering CACs each quarter this year, driving LTV:CAC to nearly 10x 100%+ LTM net dollar Transaction Profit retention1 for all cohorts drive LTV:CACs of nearly 10x Higher activation rates, strong product adoption, and expanded monetization driving 5-6 quarter paybacks in recent cohorts Cumulative Transaction Profit less CAC per Original Active Member by Cohort Cumulative Transaction Profit per Original Active Member by Quarterly Cohort 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. Q1’16 Q3’26 Active Members
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15 Healthy consumer spending, Prime and Chime Card together lifted Payments and OIT revenue growth to 26% Y/Y in Q3, up from 21% $27 .6 $28.0 $30.4 $34.8 $32.9 Purchase and OIT Volume (in billions) $32.9 $34.5 $32.4 $32.3 $0.2 $0.4 $0.6 Purchase Volume OIT1 Volume Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 ¹ OIT is an ‘OCT pushʼ 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 Q1 benefits from tax refund-related seasonality2 $35.3 $34.4 $0.9 $39.9 $38.7 $1.2 $39.4 $38.0 $1.3 $29.2 Q1ʼ24 Tax Refund Season Uplift Post Tax Tax Refund Season Uplift Post Tax Tax Refund Season Uplift Post Tax $40.0 $38.5 $1.6 Q3ʼ26 Payments + OIT Revenue Y/Y 21% 20% 21% 19% 21%20% 26% Credit Mix3 16% 16% 19% 23% 27%16% 29% PV + OIT Volume Y/Y 19% 18% 16% 15% 20%19% 22% Purchase Volume
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16 Chime Prime is expanding who we serve and deepening member relationships, contributing to expansion of LTV:CACs >2x ARPAM Q3ʼ26 Avg. Active Member ARPAM Additional Payments ARPAM Additional Platform ARPAM Additional Rewards Cost Sept. ‘26 Chime Prime Member ARPAM Rewards help attract and retain higher-quality Chime Prime members, with strong ROI >2x ARPAM For Prime members vs. our average Active Member as Prime members deposit more, spend more, and use more products Expanding TAM to $200k earners $75k+ is our fastest growing enrollments segment. Among those, a significantly higher share now direct deposit $3,000 or more ~10x LTV:CACs Across all Active Members, up from ~8x when we went public Chime Prime
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17 ARPAM growth accelerated further in Q3 to 10% Y/Y, fueled by Prime, Chime Card, and liquidity products $263 Q1ʼ25 Q2ʼ25 $218 $245 $231 $245 Annual ARPAM $245 Initial rollout of MyPay Q1 benefits from tax refund-related seasonality1 $257 Q2ʼ24 Q3ʼ24 Q4ʼ24 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 $260 ARPAM Y/Y 4% 11% 16% 9% 12% 6% 5% 5% 10% Q1ʼ24 2% Tax Refund Season Uplift Post Tax Tax Refund Season Uplift Post Tax Tax Refund Season Uplift Post Tax $270 Q3ʼ26 6% $251 $231 ARPAM 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.
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18 Upcoming product launches Recent product launches Weʼve accelerated product velocity in recent quarters, with an ambitious roadmap ahead Chime Invest Beta Joint Accounts Subscription Management Budgeting Self-DirectedBrokerage Expert-managed portfolios1 AI Co-Pilot Visa Flex Spending Insights Line of Credit Alpha Unsecured Credit Card PayCard Trump Accounts ¹ Investment advisory services provided by Atomic Invest LLC (“Atomic”), an SEC registered investment adviser. ARPAM
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19 Weʼre driving higher attach rates across our growing product ecosystem, with tenured cohorts reaching ARPAMs of ~$400 Product Attach – All Active Members1 Y ears since first active quarter Y ears since first active quarter Cohorted ARPAM2 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 second 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 second quarter of each year since 2016 Newer cohorts are attaching to more products faster ARPAM grows as cohorts mature, with ~$400 ARPAM for tenured cohorts Q2’16 Q2’26 Members using 6+ products per month, 17% of all Active Members, generate ARPAM of ~$600 Q2’16 Q2’26 ARPAM
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20 Transaction profit grew 41% Y/Y, as transaction margin expanded 5pp Y/Y to 74% with gross margin at our 90% long-term target Gross Profit & Transaction Profit (in millions) $334 $419 $368 $458 $299 $326$313 $349 $363 $461 Gross Profit: 36% Y/Y Transaction Profit: 41% Y/Y Gross Margin % 87% 87% 88% 88% 87% Transaction Margin % 78% 74% 69% 67% 69% $377 $474 69% 87% Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q3ʼ26 72% 89% $427 $530 $491 $580 76% 90% $492 $595 73% 89% $345 $308 88% 79% Q1ʼ24 $646 $530 Q2ʼ26 90% 74% Transaction Profit Gross Profit Gross & Transaction Margin
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21 SpotMe MyPay Instant Loans Product Overdraft protection On demand payroll 3-12 month installment loans Average Repayment Term <7 days <14 days ~6 months Average Transaction Size ~$20 ~$85 ~$200 Q3ʼ26 Origination Volume $6.9B $5.3B $0.4B Q3ʼ26 Loss Rates <0.4% 1.1% 6.3% Primary accounts enable us to offer low cost credit products, with low risk, at scale: >$50B in annualized origination volume in Q3 Chime credit products ● Low cost liquidity for everyday transactions and episodic use cases ● Loved by members Our competitive advantages ● Privileged repayment position from recurring direct deposits ● Underwritten by rich, first-party data ● Proprietary tech stack Low credit risk ● Short duration ● Small dollar ● Highly diffused across our large, highly engaged member base Annualized loss rates improvements of up to 50% for repeat borrowers vs. first-time loans Down ~50% since first launched With total monthly advance of ~$600 per MyPay active Liquidity Products
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22 MyPay transaction profit reached $80M, nearly 2x Y/Y, on a record $5.3B in originations, as limits raised to $1,000 at ~1% losses MyPay Transaction Profit ($M) $41 $59 $64 $73 $80 Revenue ($M) $88 $103 $104 $115 $136 Transaction Margin 46% 58% 62% 64% 58% Loss Rates 1.2% 1.0% 1.0% 0.9% 1.1% Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 ~2x Y/Y Tax refunds drive seasonally lower liquidity product utilization in Q11 Q3ʼ26 ¹ Tax refund-related activity in Q1 each year drives seasonally higher levels of re-engaged Active Members, Purchase Volume, ARPAM, and Revenue. This is partly offset by lower liquidity product utilization given seasonally higher account balances. MyPay
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23 We are compounding growth across Actives (+20%), ARPAM (+10%) and txn margin (+5pp), with 41% Y/Y TP growth in Q3 and 100%+ TP retention LTM Transaction Profit by Annual Cohort ($M) Accelerated growth in Active Members and expanded LTV:CACs to nearly 10x Deeper engagement drives ARPAM of ~$400for tenured cohorts Margin expansion driven by ChimeCore and DD-based underwriting 100%+ Net dollar Transaction Profit retention among all cohorts for last twelve months Transaction Profit
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24 Non-GAAP OpEx grew 13% Y/Y vs. revenue growth of 32%, reducing OpEx as a % of revenue by 10pp to 55% 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. 78% 72% 78% 63% (10) pp Y/Y66% Non-GAAP MS&O Non-GAAP S&M Non-GAAP G&A Non-GAAP T&D 31% 30%34% 25% 27% 18% 16%16% 15% 15% 19% 16% 18% 14% 15% 10% 10% 10% 8% 9% Non-GAAP OpEx as % of Revenue1 28% Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 Q2ʼ26 14% 15% 8% 65% $294 $298 $330 $341 $328 $350 $352 $374 $376 $393 $396Non-GAAP OpEx (in millions) 27% 14% 13% 9% 63% 25% 13% 13% 7% 58% 24% 15% 12% 8% 59% 75% 30% 17% 19% 9% Q1ʼ24 Q3ʼ26 22% 13% 12% 8% 55% Non-GAAP OpEx
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25 In Q3, adj. EBITDA margin expanded 14pp Y/Y to 19%, our largest expansion as a public company, and we delivered $44M of GAAP net income ¹ Q2ʼ25 net loss was primarily driven by stock-based compensation expense recognized upon the IPO related to service periods prior to Q2ʼ25. $44 1% -3% -3% 5% Adj. EBITDA (in millions) $3 $(14) $(12) $25 $16 3% +12 pp Adjusted EBITDA Margin $29 5% +9 pp+2pp +13 pp Q2'24-Q2'25 Q3'24-Q3'25 Q4'24-Q4'25 Q1'25-Q1'26 10% Q2ʼ24 Q3ʼ24 Q4ʼ24 Q1ʼ25 Q2ʼ25 Q3ʼ25 Q4ʼ25 Q1ʼ26 +14 pp Q3'25-Q3'26 $57 Q2ʼ26 Q3ʼ26 $137 19% 62% incremental adj. EBITDA margin 18% $119 15% $102 +12 pp Q2'25-Q2'26 Net Income (in millions) $0 $(22) $(20) $13 $(923)1 $(55) $(45) $53 $28 4% $15 Q1ʼ24 $16 +1pp Q1'24-Q1'25 Q4ʼ26 Guidance 21% - 22% $161 - $166 +11 - 12 pp Q4'25-Q4'26 Adj. EBITDA
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26 Revenue $757 to $767 million $2.792 to $2.802 billion Prior: $2.76 to $2.77 billion Y/Y Growth 27% to 29% 28% Adjusted EBITDA $161 to $166 million $519 to $524 million Prior: $481 to $489 million Adjusted EBITDA Margin 21% to 22% 19% Chimeʼs financial outlook for the fourth quarter and full year 2026 We are raising our full year guide on both top and bottom lines, and expect to deliver fourth consecutive quarter of GAAP profit Q4ʼ26 Full Y ear 2026 Incremental adj. EBITDA margin of 65% for FY Guidance
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27 Stride Bank Acquisition
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28 Acquiring Stride completes our platform, from the national charter to ChimeCore to the member experience Transaction overview Price $590M in cash, ~1.4x tangible book value (as of 9/30/26) Funding Cash on hand; no additional capitalneeded before close Timing Expected to close in 1Hʼ27 , subject to regulatory approval Earnings Expected to be accretive from close A bank for the AI Era ChimeCore 2.0 Full control to build and ship on our own timeline accelerates product velocity Trusted and resilient A direct connection between members and the bank behind their accounts deepens trust and resilience Lower cost No partner-bank fees and lower funding costs strengthen our structural cost advantage Broader reach Lending in all 50 states, and a full suite of banking services for mainstream America Financial impact >$100M annual net after-tax synergies ● Full synergies run rate expected 12-18 months post close as banking activities consolidated at Chime Bank ● One-time integration costs in 2027 ● ~$6.5B pro forma total assets across both bank partners as of 9/30/26 ● Will remain asset-light and expect to remain below $10B for the foreseeable future Chime remains technology-driven, payments-led, and asset-light Stride Bank Acquisition
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29 Appendix
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30 GAAP to non-GAAP reconciliation: Transaction profit and margin Three months ended (in thousands, except percentages) March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Revenue $ 391,972 $ 384,214 $ 421,871 $ 475,212 $ 518,744 $ 528,149 $ 543,519 $ 596,358 $ 647 ,387 $ 669,768 $ 718,001 Gross profit $ 344,525 $ 333,710 $ 368,355 $ 419,168 $ 458,326 $ 461,029 $ 474,118 $ 530,250 $ 580,313 $ 594,873 $ 646,065 Gross margin 88% 87% 87% 88% 88% 87% 87% 89% 90% 89% 90% Adjusted for: Transaction and risk losses 36,038 35,000 55,159 93,490 109,145 98,247 97 ,053 102,878 88,905 103,287 115,614 Transaction profit $ 308,487 $ 298,710 $ 313,196 $ 325,678 $ 349,181 $ 362,782 $ 377 ,065 $ 427 ,372 $ 491,408 $ 491,586 $ 530,451 Transaction margin 79% 78% 74% 69% 67% 69% 69% 72% 76% 73% 74%
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31 GAAP to non-GAAP reconciliation: Adjusted EBITDA and adjusted EBITDA margin 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 Chimeʼs 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 Relates to severance expense related to reduction-in-force in July ⁴ Consists of one-time costs incurred in connection with ceasing the use of our third-party payment processor Three months ended (in thousands, except percentages) March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Net income (loss) $ 15,903 $ 385 $ (22,026) $ (19,606) $ 12,939 $ (923,376) $ (54,722) $ (44,777) $ 53,456 $ 27 ,850 $ 43,724 Net margin 4% 0% (5%) (4%) 2% (175%) (10%) (8%) 8% 4% 6% Adjusted for: Depreciation and amortization expense 5,234 6,117 6,897 7 ,122 7 ,258 7 ,411 7 ,514 7 ,817 7 ,665 7 ,557 7 ,938 Other (income) expense, net1 (10,509) (9,904) (10,817) (8,235) (5,354) (6,215) (10,268) (9,037) (7 ,748) (6,741) (9,651) Provision (benefit) for income taxes (362) 78 2,199 695 1,552 (1,047) 280 46 455 213 250 Stock based compensation and related payroll tax 5,175 6,419 10,134 8,117 8,696 928,062 85,953 70,133 64,816 71,198 76,276 Stock-based charitable contribution expense2 – – – – – 11,168 – – – 1,495 1,695 Restructuring Charges3 – – – – – – – – – – 17 ,077 Third-party processor termination costs4 – – – – – – – 32,564 – – – Adjusted EBITDA $ 15,441 $ 3,095 $ (13,613) $ (11,907) $ 25,091 $ 16,003 $ 28,757 $ 56,746 $ 118,644 $ 101,572 $ 137 ,309 Adjusted EBITDA margin 4% 1% (3%) (3%) 5% 3% 5% 10% 18% 15% 19%
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32 GAAP to non-GAAP reconciliation: Operating expenses 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. Three months ended (in thousands, except percentages) March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Member support and operations $ 68,068 $ 69,821 $ 70,054 $ 78,913 $ 78,609 $ 203,097 $ 83,658 $ 92,614 $ 95,399 $ 109,555 $ 104,799 Member support and operations % of revenue 17% 18% 17% 17% 15% 38% 15% 16% 15% 16% 15% Adjusted for: stock based compensation and related payroll tax (1,063) (1,010) (776) (771) (1,124) (122,586) (10,172) (8,325) (8,936) (9,515) (10,229) Adjusted for: restructuring charges – – – – – – – – – – (2,037) Non-GAAP member support and operations $ 67 ,005 $ 68,811 $ 69,278 $ 78,142 $ 77 ,485 $ 80,511 $ 73,486 $ 84,289 $ 86,463 $ 100,040 $ 92,533 Non-GAAP member support and operations % of revenue 17% 18% 16% 16% 15% 15% 14% 14% 13% 15% 13% Sales and marketing $ 117 ,047 $ 118,021 $ 143,123 $ 141,569 $ 132,573 $ 185,006 $ 153,608 $ 164,197 $ 165,431 $ 164,159 $ 168,465 Sales and marketing % of revenue 30% 31% 34% 30% 26% 35% 28% 28% 26% 25% 23% Adjusted for: stock based compensation and related payroll tax (225) (275) (473) (383) (483) (43,403) (4,128) (5,156) (4,593) (4,521) (5,201) Adjusted for: restructuring charges – – – – – – – – – – (1,731) Non-GAAP sales and marketing $ 116,822 $ 117 ,746 $ 142,650 $ 141,186 $ 132,090 $ 141,603 $ 149,480 $ 159,041 $ 160,838 $ 159,638 $ 161,533 Non-GAAP sales and marketing % of revenue 30% 31% 34% 30% 25% 27% 28% 27% 25% 24% 22%
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33 Three months ended (in thousands, except percentages) March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Technology and development $ 74,930 $ 75,371 $ 80,400 $ 78,874 $ 77 ,882 $ 621,754 $ 123,942 $ 111,347 $ 109,780 $ 112,111 $ 119,434 Technology and development % of revenue 19% 20% 19% 17% 15% 118% 23% 19% 17% 17% 17% Adjusted for: stock based compensation and related payroll tax (1,567) (2,689) (4,418) (3,749) (3,703) (540,216) (40,270) (32,368) (27 ,425) (29,140) (26,208) Adjusted for: restructuring charges – – – – – – – – – – (8,586) Non-GAAP technology and development $ 73,363 $ 72,682 $ 75,982 $ 75,125 $ 74,179 $ 81,538 $ 83,672 $ 78,979 $ 82,355 $ 82,971 $ 84,640 Non-GAAP technology and development % of revenue 19% 19% 18% 16% 14% 15% 15% 13% 13% 12% 12% General and administrative $ 39,252 $ 41,638 $ 46,645 $ 49,694 $ 47 ,173 $ 279,667 $ 76,575 $ 108,698 $ 70,467 $ 80,142 $ 98,701 General and administrative % of revenue 10% 11% 11% 10% 9% 53% 14% 18% 11% 12% 14% Adjusted for: stock based compensation and related payroll tax (2,320) (2,445) (4,467) (3,214) (3,386) (221,857) (31,383) (24,284) (23,862) (28,022) (34,638) Adjusted for: stock-based charitable contribution – – – – – (11,168) – – – (1,495) (1,695) Adjusted for: restructuring charges – – – – – – – – – – (4,723) Adjusted for: Third-party processor termination cost – – – – – – – (32,564) – – – Non-GAAP general and administrative $ 36,932 $ 39,193 $ 42,178 $ 46,480 $ 43,787 $ 46,642 $ 45,192 $ 51,850 $ 46,605 $ 50,625 $ 57 ,645 Non-GAAP general and administrative % of revenue 9% 10% 10% 10% 8% 9% 8% 9% 7% 8% 8% GAAP to non-GAAP reconciliation: Operating expenses 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.
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34 GAAP to non-GAAP reconciliation: Operating expenses 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. Three months ended (in thousands, except percentages) March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Non-GAAP member support and operations $ 67 ,005 $ 68,811 $ 69,278 $ 78,142 $ 77 ,485 $ 80,511 $ 73,486 $ 84,289 $ 86,463 $ 100,040 $ 92,533 Non-GAAP sales and marketing $ 116,822 $ 117 ,746 $ 142,650 $ 141,186 $ 132,090 $ 141,603 $ 149,480 $ 159,041 $ 160,838 $ 159,638 $ 161,533 Non-GAAP technology and development $ 73,363 $ 72,682 $ 75,982 $ 75,125 $ 74,179 $ 81,538 $ 83,672 $ 78,979 $ 82,355 $ 82,971 $ 84,640 Non-GAAP general and administrative $ 36,932 $ 39,193 $ 42,178 $ 46,480 $ 43,787 $ 46,642 $ 45,192 $ 51,850 $ 46,605 $ 50,625 $ 57 ,645 Non-GAAP Operating Expenses $ 294,122 $ 298,432 $ 330,088 $ 340,933 $ 327 ,541 $ 350,294 $ 351,830 $ 374,159 $ 376,261 $ 393,274 $ 396,351 % of revenue 75% 78% 78% 72% 63% 66% 65% 63% 58% 59% 55%
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35 GAAP to non-GAAP reconciliation: Incremental adj. EBITDA margin 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. Three months ended Twelve months ended (in thousands, except percentages) September 30, 2025 September 30, 2026 December 31, 2024 December 31, 2025 Net Income (loss) $ (54,722) $ 43,724 $ (25,344) $ (1,009,936) Adjusted for: Depreciation and amortization expense 7 ,514 7 ,938 25,370 30,000 Other (income) expense, net1 (10,268) (9,651) (39,465) (30,874) Provision (benefit) for income taxes 280 250 2,610 831 Stock-based compensation and related payroll tax 85,953 76,276 29,845 1,092,844 Stock-based charitable contribution – 1,695 – 11,168 Restructuring charges – 17 ,077 – – Third-party processor termination costs2 – – – 32,564 Adjusted EBITDA $ 28,757 $ 137 ,309 $ (6,984) $ 126,597 Revenue $ 543,519 $ 718,001 $ 1,673,269 $ 2,186,770 Net Income (loss) margin (10%) 6% (2%) (46%) Incremental net income (loss) margin – 56% – (192%) Adjusted EBITDA margin 5% 19% (0%) 6% Incremental adjusted EBITDA margin – 62% – 26%
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36 Estimated LTV:CAC Three months ended September 30, 2026 ARPAM $ 270 Transaction Margin 74% Active Member churn in second year and thereafter 10% LTV $1,995 CAC $101 Active Member churn in first year 50% CAC including Y ear 1 Churn $202 LTV / CAC 9.9x
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37 Stock-based compensation declined to 11% of revenue in Q3, from 16% a year ago Fully Diluted Share Count (in millions)1 Q4ʼ25 Q1ʼ26 Q2ʼ26 Q3ʼ26 380 58 438 Q4ʼ25 Q1ʼ26 Q2ʼ26 Q3ʼ26 Stock Based Compensation Expense (in millions) Basic Share Count Dilutive Shares2 12% 10% 11% 11%SBC as % of Total Revenue3 $70 383 63 445 $65 $73 379 59 437 383 61 445 $78 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 Chimeʼs share price. ³ SBC % of Revenue calculated as total employee and service provider awards divided by total revenue; includes stock-based charitable contribution expense
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38 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 cohortʼs 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. “MyPay transaction profit” is defined as MyPay revenue net of MyPay transaction losses. “Outbound Instant Transfer, ” or “OIT” is an ‘OCT (Original Credit Transaction) pushʼ 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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39 Non-GAAP member support and operations: Member support and operations expense excluding stock-based compensation and certain expenses that do not reflect our core operations and may vary significantly from period to period. Non-GAAP sales and marketing: Sales and marketing expense excluding stock-based compensation and certain expenses that do not reflect our core operations and may vary significantly from period to period. Non-GAAP technology and development: Technology and development expense excluding stock-based compensation and certain expenses that do not reflect our core operations and may vary significantly from period to period. Non-GAAP general and administrative: General and administrative expense excluding 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: Operating expenses excluding 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. Definitions
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