Key Highlights

  • Sezzle (NASDAQ:SEZL) booked a record USD 166.5 million in revenue, up 42.6%, and raised FY2026 adjusted EPS guidance to USD 5.45 to USD 5.50.
  • Dave (NASDAQ:DAVE) saw Revenue rise 31% to USD 197.7 million, while diluted EPS slid to USD 3.30 from USD 6.34 because the year-earlier period held a USD 33.6 million tax benefit.
  • Remitly Global (NASDAQ:RELY) increased diluted EPS to USD 0.30 from USD 0.04, with revenue up 22% to USD 509.8 million.
  • Chime Financial (NASDAQ:CHYM) lifted revenue 32% to USD 718 million, signed up 10.9 million Active Members, and raised full-year guidance.

Sezzle (NASDAQ:SEZL): Revenue Growth of 42.6% Meets a Fourth Guidance Raise

Third-quarter 2026 figures for Sezzle (NASDAQ:SEZL) arrived on November 4, 2026. Total revenue advanced 42.6% to a record USD 166.5 million, while transaction Volume grew 34.9% to USD 1.4 billion. Spending rose 25.9% to USD 102.3 million, yet Operating Income climbed 80.7% to USD 64.3 million and the Operating Margin expanded to 38.6%. GAAP Net Income totaled USD 47.8 million, equal to USD 1.38 per diluted share, compared with USD 0.75 the year before. Credit loss provisions shrank to 2.7% of transaction volume from 3.1%. For the fourth time this year management raised FY2026 targets, now calling for adjusted net income near USD 190.0 million and adjusted EPS between USD 5.45 and USD 5.50. Current guidance embeds income tax effects that earlier figures did not, which makes the previous guidance hard to compare directly. An initial FY2027 adjusted EPS estimate of USD 7.20 was also introduced, and active subscribers grew 68.1% to 955,000. In October 2026 the company filed with the Office of the Comptroller of the Currency to obtain a national bank charter. Risks include an antitrust lawsuit, USD 2.4 million of charter expenses and USD 15.9 million of Marketing outlays.

Dave (NASDAQ:DAVE): 31% Revenue Growth Against a Tax-Driven EPS Slide

Dave (NASDAQ:DAVE) filed its report on November 4, 2026, covering the three months to September 30, 2026. The mobile-first Business supplies small short-term ExtraCash loans and checking accounts for underserved households. Revenue climbed to USD 197.7 million from USD 150.7 million, which the company tied to about an 18% increase in average monthly transacting members and bigger origination volume. ExtraCash originations rose from roughly USD 2.0 billion to about USD 2.5 billion, and adjusted EBITDA grew to USD 81.5 million from USD 58.6 million. Net income, however, fell to USD 63.8 million from USD 92.1 million, because the earlier quarter benefited from a USD 33.6 million tax benefit whereas this period bears a USD 10.7 million provision. Diluted EPS of USD 3.30 is far below basic EPS of USD 5.00, and the figures are carried as filed since the reconciliation could not be verified here. Operating costs jumped 43% to USD 149.7 million, stock-based compensation was higher by USD 14.8 million, and the credit loss provision increased 22% to USD 36.5 million. Cash ended at USD 269.9 million, the USD 75.0 million Facility was paid off on October 8, 2026, and roughly USD 88.1 million stays available under a buyback plan. Key dangers include Loan performance should joblessness climb and rules affecting bank partners.

Remitly Global (NASDAQ:RELY): Operating Leverage Lifts EPS to USD 0.30

Remitly Global (NASDAQ:RELY), which runs digital cross-border remittances, submitted its Quarterly Report on November 4, 2026, for the quarter ended September 30, 2026. Top-line revenue expanded 22% to USD 509.8 million, while total costs rose only 8% to USD 440.4 million, lifting operating income to USD 69.4 million. That figure implies a 13.6% margin by calculation, up from 2.8% a year earlier. Net income landed at USD 67.6 million, or USD 0.30 per diluted share, against USD 8.8 million and USD 0.04 previously. A very small tax charge of USD 2.2 million, about 3% by calculation, also supported profit, and the filing attributes the low rate to the release of a valuation allowance. Send volume grew 25% to USD 24.4 billion, and active customers rose 17% to about 10.3 million. Year-to-date net income reached USD 322.5 million, or USD 1.46 per diluted share, but that total includes a USD 136.0 million income tax benefit, so the third quarter offers the cleaner view. Cash stood at USD 669.1 million with no long-term debt, compared with USD 155.0 million at December 31, 2025. Marketing expenses of USD 104.0 million may weigh on a single quarter before payback comes, and the company identified the brief history of U.S. profitability as a risk.

Chime Financial (NASDAQ:CHYM): 32% Growth, 10.9 Million Members and a Rising Credit Mix

Chime Financial (NASDAQ:CHYM) released third-quarter numbers on November 4, 2026. Revenue expanded 32% to USD 718 million, a faster pace than the 27% recorded in the second quarter. The company is a financial technology provider offering affordable banking and payment tools. Payments income increased 22% to USD 444 million, and platform income rose 52% to USD 274 million as MyPay and Instant Loans expanded. Net income of USD 44 million represented a 6% margin, marking the third consecutive quarter of GAAP profit, while adjusted EBITDA, a non-GAAP figure, came in at USD 137 million. Active Members rose 20% to 10.9 million, and revenue per Active Member grew 10% to USD 270. MyPay originations set a record of USD 5.3 billion with losses near 1%, and credit represented 29% of purchase volume, close to double the year-earlier share. Both full-year 2026 revenue and adjusted EBITDA guidance moved up, to a range of USD 2.792 billion to USD 2.802 billion and USD 519 million to USD 524 million. Closing of the Stride Bank purchase is on schedule for the first half of 2027, pending regulatory sign-off. Hazards include reliance on bank partners, potential shifts in interchange fee rules, credit losses from lending products and a history of net losses.

Where Things Stand

Yes, on pace alone. Sezzle (NASDAQ:SEZL) grew revenue 42.6%. Chime Financial (NASDAQ:CHYM) followed at 32%. Dave (NASDAQ:DAVE) grew 31%. Remitly Global (NASDAQ:RELY) grew 22%. Growth rate is not the whole picture, though. Dave's EPS fell on a prior-year tax comparison, Remitly's profit rose on operating leverage and a low tax rate, Chime is taking on more credit exposure, and the Sezzle guidance comparison is clouded by tax effects. The next markers are Sezzle's holiday quarter and bank charter application, Dave's credit loss provision, whether Remitly's U.S. profitability holds up, and Chime's fourth-quarter revenue guidance of USD 757 million to USD 767 million.