San Francisco, CA – Chime, the leading consumer financial technology company, announced robust financial results for the second quarter of 2025, reporting a significant 37% year-over-year revenue growth. During its earnings call on August 7, 2025, the company emphasized its commitment to broadening its support for members across all facets of their financial lives, highlighting a strategy focused on trust and comprehensive service offerings.
The fintech firm also saw a 23% increase in active members during Q2 2025, alongside achieving an adjusted EBITDA of $16 million. Despite these strong growth figures, Chime acknowledged facing challenges related to maintaining high spend volume per customer, attributing this to mixed market dynamics and inflationary pressures. The company continues to target the large untapped market of nearly 200 million Americans earning up to $100,000 annually.
Chime's strategic vision, articulated during the call, underscores its ambition to be a holistic financial partner. As stated in the earnings call, "We've earned the trust of our members and will support them in all areas of their financial lives across spending, saving, building credit, borrowing, investing, and more." This statement reflects Chime's existing fee-free mobile banking services, including checking and savings accounts, the Credit Builder secured credit card, and features like SpotMe for overdraft protection and Get Paid Early for paycheck access.
The company, which recently went public via an initial public offering in June 2025, operates as a financial technology company, not a traditional bank, partnering with FDIC-insured institutions like The Bancorp Bank, N.A., and Stride Bank, N.A. Chime has been diversifying its offerings, including the recent launch of free in-app tax filing services and Chime Workplace, a financial wellness suite for employers and employees. Its ongoing plans to expand into lending and investment services align with the broad scope of financial support outlined in the earnings call.
Chime's management expressed optimism for continued revenue and adjusted EBITDA growth throughout the remainder of 2025, aiming to solidify its position as a primary financial account provider in the U.S. The company's focus remains on leveraging its innovative product offerings and strong member engagement to drive sustained growth in a competitive fintech landscape.