--- title: "分析師認為，Chime Financial 相較於傳統銀行提供了更優越的價值主張" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/295147490.md" description: "新銀行 Chime 報告了連續第二個季度的 GAAP 盈利，超出華爾街預期，得益於其獎勵計劃 Chime Prime 的強勁吸引力。這一成功突顯了數字金融相較於傳統銀行的優越價值主張。因此，股價上漲超過 23%。公司還宣佈了與人工智能相關的裁員和首席財務官的更換，同時上調了全年收入指引" datetime: "2026-08-06T19:51:24.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/295147490.md) - [en](https://longbridge.com/en/news/295147490.md) - [zh-HK](https://longbridge.com/zh-HK/news/295147490.md) --- # 分析師認為，Chime Financial 相較於傳統銀行提供了更優越的價值主張 - **Key insights**: Chime in the second quarter blew past Wall Street's expectations and posted its second quarter of GAAP profitability. - **What's at stake**: The neobank's payments-centric business model, which shuns traditional fee-based banking, continues to resonate with consumers and challenge incumbent banks. - **Expert quote**: "Next-gen digital finance companies offer a superior value proposition compared with traditional banks, including leading user experience; a breadth of spending, investing, savings, and rewards options; and crucial short-term liquidity products." — Andrew Jeffrey, William Blair. Chime's move up market is paying off. The neobank in the second quarter blew past Wall Street's expectations and posted its second quarter of GAAP profitability, as strong uptake for its new rewards program, Chime Prime, helped lure more monthly active users to its platform and drive payment volume. It's the latest sign of success for the company's payment-centric business model, which shuns traditional fee-based banking and continues to resonate with consumers and challenge incumbent banks. "We see Chime as a digital finance leader whose value proposition is resonating loudly with lower-income consumers with increasing appeal to consumers earning more than $75,000 per year," William Blair analyst Andrew Jeffrey said in a research note. "Next-gen digital finance companies offer a superior value proposition compared with traditional banks, including leading user experience; a breadth of spending, investing, savings, and rewards options; and crucial short-term liquidity products." Chime Prime, which provides direct-deposit users with cash back and other rewards, was a large driver of growth during the quarter, co-founder and CEO Chris Britt said on the company's earnings call with analysts. Active members grew 20% year over year to 10.4 million, with 1.7 net new active members joining over the last 12 months. Purchase volume increased 17% year over year to $38 billion. "Chime Prime is encouraging members to expand their relationship with us with more members than ever making Chime their primary financial partner," Britt said. "And because Prime members spend more, have higher product attach rates, and are more likely to adopt our Chime card, they generate substantially higher \[average revenue per active member\], more than double the average Chime member." **Read more:** - Should a bank ever be liable when a customer gets scammed? - OpenAI models' Hugging Face breach is a red flag for bankers - The top-performing banks with $2B to $10B of assets in 2025 - Inside Upstart's journey to get a bank charter approval Chime is also hoping that its latest product, Chime Invest, will give its customers more reason to make Chime their primary financial relationship. Britt said the company is planning new products for Chime Prime, including a revolving, unsecured line of credit later in the third quarter. "We see enormous growth potential in expanded loan eligibility, limits and duration as we extend our lending footprint into higher income segments with larger liquidity needs," Britt said. Shares of Chime were up 23.2%, or $6.02, to $31.94 as of 3:12 p.m. in New York on Thursday, which would mark the company's highest closing price since Aug. 7, 2025, according to S&P CapitalIQ. "2Q vindicated Chime's move to appeal to the higher-income cohorts with Chime Prime," Keefe Bruyette and Woods analyst Sanjay Sakhrani said in a research note. "The company saw strong volume growth, a pick-up in take rates, and management is expecting some more leverage on rewards costs in 2H as a result of lower gas prices (which is a 5% category)." Artificial intelligence-spurred staffing cuts, which took place last week and affected about 10% of Chime's employees, contributed to raised revenue guidance for the year, which is now expected to be between $2.725 billion and $2.745 billion, representing year-over-year revenue growth of 25% to 26%. Chime's Chief Financial Officer Matt Newcomb will also be stepping down, effective Aug. 7. Chime's President, Mark Troughton, will take over as CFO. ### 相關股票 - [CHYM.US](https://longbridge.com/zh-HK/quote/CHYM.US.md) - [UPST.US](https://longbridge.com/zh-HK/quote/UPST.US.md) ## 相關資訊與研究 - [Chime 探索將穩定幣引入數字銀行平台 傳統金融加速佈局日常支付場景](https://longbridge.com/zh-HK/news/295854498.md) - [Chime Financial（納斯達克股票代碼：CHYM）在 Keefe, Bruyette & Woods 被設定了新的 35.00 美元目標價](https://longbridge.com/zh-HK/news/295111066.md) - [孫東強調特區政府積極響應國家戰略 讓人工智能賦能千行百業](https://longbridge.com/zh-HK/news/295759240.md) - [調查：逾八成日本企業有限度使用人工智能](https://longbridge.com/zh-HK/news/295736672.md) - [幣安連接美股之後 真正的競爭才剛剛開始 下一代金融入口正在重構](https://longbridge.com/zh-HK/news/295465763.md)