Chime reported second-quarter revenue of $528 million, a 37% increase from a year earlier, in its first earnings release since listing on the New York Stock Exchange in June. Gross profit rose to $461 million, giving the San Francisco-based fintech an 87% gross margin. Active members grew 23% to 8.7 million, while purchase volume expanded 18% to $32.5 billion and average revenue per member climbed 12% to $245. The company’s payments business generated $366 million, up 19% year over year, and platform-related revenue more than doubled to $162 million. Adjusted EBITDA turned positive at $16 million. For full-year 2025, Chime projects revenue of $2.135 billion to $2.155 billion and adjusted EBITDA of $84 million to $94 million, compared with a $7 million loss on that basis in 2024. Chime shares fell about 7% in after-hours trading following the results, though they remain above the $27 IPO price.