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The Epoch Times

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White Castle is the first fast-food hamburger chain in the United States.

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Stock Market Week in Review – 05/11 – 05/15…

Stocks were mostly higher this week as investors were reminded that earnings are the signal; inflation and geopolitics is noise
— Read on www.marketbeat.com/originals/marketbeat-week-in-review-05-11-05-15/

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The CIA’s Iran Coup

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Chime Finally Turns Profitable—But Risks Remain

Unsubscribe One page of the SpaceX S-1 will move this stock overnight (From Behind the Markets)

Chime Finally Turns Profitable—But Risks Remain

Written by Peter Frank on May 14, 2026

Key Points

Chime delivered its first profitable quarter, with revenue growth and lower operating costs boosting margins.
Instant Loans and deeper customer engagement are helping diversify revenue beyond interchange fees.
Investors still face risks from competition, credit quality, and potentially seasonal profit strength.
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Chime Financial (NASDAQ: CHYM) is now something many digital banks never become. It is profitable.

On the surface, that’s a big deal. The company showed in the first quarter strong revenue growth, expanding margins, and aggressive buybacks. Chime is a fintech startup that can earn money rather than just burn it.

Now, Chime needs to show whether the profit is durable enough to justify investing.

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Profits Finally Reach the Bottom Line

Chime’s story is no longer about potential but execution.

The company reported genuine income in the first quarter—its first profitable quarter since going public. The app-based neobank reported $53 million in GAAP net income for the year’s first three months on revenue of $647 million, up 25% from a year earlier.

On a per-share basis, the company reported 13 cents, well above the 3 cents expected. And while earnings per share are expected to be strong this year, models for 2027 predict a real jump to as high as 84 cents.

These results and the positive outlook are a welcome turnaround. As recently as the fourth quarter of 2025, the company still posted a net loss of $45 million on revenue of $596 million. The business was already attractive, but spending got in the way.

In fact, the company’s gross margin was already an impressive 89%, and the transaction margin, meaning how much money Chime kept after paying for its core banking services, sat at 72%. The problem was that marketing spending, technology investment, and overhead were eating the profits before they could reach the bottom line.

The fix came mostly with technology. While marketing and tech spending stayed relatively level, the company moved much of its processing in-house and pushed hard into artificial intelligence for software development and customer support. General and administrative costs fell more than $38 million, or 35%, from the fourth quarter, while revenue rose $51 million.

As a result, adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) jumped to $119 million with an 18% margin, up 13 percentage points from a year earlier.

A Digital Banking Model Begins to Mature

Chime’s whole business runs on a deceptively simple model. It offers free checking and savings accounts, a credit-builder card, and a growing suite of financial products for customers who are underserved or avoided by traditional banks.

The company primarily makes money through interchange fees, which provide a small cut of every purchase that a member makes with a Chime debit or credit card. Other revenue comes in through its Instant Loans, a small-dollar lending product that gives members access to cash between paychecks.

The business is growing. With 10.2 million active users, the company says customers are engaging more deeply and adopting more products at a higher rate. Instant Loans, in particular, carries higher margins than pure interchange and is growing while loss rates among repeat borrowers are improving.

The company has raised its full-year 2026 revenue outlook to between $2.66 billion and $2.69 billion, implying roughly 22% to 23% top-line growth for the year. Adjusted EBITDA is expected to reach $416 million to $431 million, representing a 16% margin.

The board underscored its own confidence by authorizing an additional $200 million share-repurchase program alongside the first quarter results.

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Wall Street Sees Significant Upside Potential

Analyst sentiment on Chime is cautiously bullish with a Moderate Buyrecommendation.

Among the 22 analysts who cover the stock, 17 rate it a Buy with four Holds and just one Sell.

The average 12-month price target is $31.65, implying roughly 80% upside from recent trading levels.

None of this comes without risk. The market has touted Chime shares in the past without seeing the results. The company went public a year ago at $27 a share and hit nearly $45 as its 52-week high.

Those high valuations have not panned out. Even with the profitability, the stock is down nearly 30% this year, near a 52-week low.

Risks Still Shadow the Turnaround

Investors are clearly pricing in the risks. The first may be that profits at the start of the year could be inflated by seasonality. Tax refund season concentrates spending and loan repayments. Management has acknowledged the potential impact, and future quarters may look softer until full-year figures becomes clear.

Credit health is also a concern. Instant Loans is promising, but Chime’s core customer base, which is younger and lower income, often have thinner credit histories. That demographic can be highly sensitive to economic changes.

Competition in the financial services sectoris third and potentially most daunting. Chime faces fintech rivals chasing the same interchange and lending revenue. And traditional banks like JPMorgan Chase (NYSE: JPM) and Bank of America (NYSE: BAC) are investing in digital products.

But for those investors with a higher risk tolerance and a multi-year horizon, Chime has at least answered the most pressing question it’s faced since going public: Can the model it runs finally make money? It’s no longer a promise. It’s now a result to defend.

Read this article online ›

Further Reading

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What’s the oldest things you’re wearing today?

My wedding ring

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Your Night Prayer

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Today’s Night Prayer is brought to you by Catholic Company

A Night Prayer

Jesus Christ, my God, I adore You and thank You for all the graces You have given me this day. I offer You my sleep and all the moments of this night. I place myself and all my loved ones, wherever they may be, in Your sacred side and under the mantle of Our Blessed Mother. Let Your holy angels stand watch and keep us in peace. Amen.

Quote of the Day

“Receive, my beloved son, this scapular of thy Order; it is a special sign of my favor which I have obtained for thee and thy children of Mt. Carmel. He who dies clothed with this habit shall be preserved from eternal fire. It is the badge of salvation, a shield in time of danger and a pledge of special peace and protection.” -Our Lady to St. Simon Stock

Today’s Meditation

“Let’s each of us do what God asks in this. I know it isn’t easy. Faithfulness to prayer requires a lot of effort, but it is worthwhile. To be faithful to prayer, you need to establish a rhythm, since our lives are made up of rhythms and we need good habits, including established times when we pray, and that’s all there is to it. No questioning it: this is a firm decision we’ve made. It requires a struggle at the start, but afterwards it brings us joy.” —Jacques Philippe, p. 78

An excerpt from The Way of Trust and Love

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Examination of Conscience

The daily examination of conscience is an ancient Catholic practice. It’s very simple, and it’s designed to help us identify our sins and weaknesses so that we can improve and grow stronger in the spiritual life, while providing an excellent ongoing preparation for regular Confession. It consists of taking a few minutes at the end of the day to prayerfully review our actions in the light of God’s commandments, followed by the Act of Contrition.

Reflect on the victories and losses

Actively reflecting on the high and low points of the day can help you live more intentionally and bring a renewed sense of resolve into the following day.

Review your actions, words, and thoughts today. Did you actively guard yourself against temptation? Where did sin creep in?
In what moments did you practice virtue and moral courage?
Were you attuned to the Holy Spirit’s promptings today? Where did you feel His inspiration?
Ask Him for the graces necessary to follow His Will more purposefully tomorrow.

Act of Contrition

O my God, I am heartily sorry for having offended Thee, and I detest all my sins because of Thy just punishments, but most of all because they offend Thee, my God, Who art all good and deserving of all my love. I firmly resolve with the help of Thy grace to sin no more and to avoid the near occasions of sin. Amen.

Practice gratitude

It is God’s love that has brought you into existence and to this exact moment. Practice looking for His hand in your day.

Where did you feel His loving gaze upon you today?
What people or moments helped you see God in your life?
Thank God for all these moments!
Ask Him to help you recognize His blessings and providence tomorrow.

Renew your commitment to Christ

Remember: our Faith is founded upon a Person—Christ! Renew your personal love and devotion to Him.

Thank God for the gift of His Son Jesus and our call to be His disciples.
Tell the Lord of your desire to know Christ more personally.
If possible, set an intention for your day tomorrow. Ask Our Lord to guide you in this act.
Pray a Hail Mary, Our Father, or another beloved prayer.

Rest with God

Praise Him, sun and moon, praise Him, all you shining stars! — Psalm 148:3

Compline

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Jimmy Stewart: What Compelled Him to Leave Hollywood

Tratzberg Castle: A Living Legend in the Tyrolean Alps

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May 16, 2026 Jimmy Stewart: What Compelled Him to Leave Hollywood BY JEFF MINICK

In October 1940, having received his draft notice, Jimmy Stewart decided to leave the glitter of Hollywood behind and enlist in the Army. After being declared underweight, which would have exempted him from service, the actor passed a second weigh-in and entered the Army months before the attack on Pearl Harbor.

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