Chime Financial (CHYM) Stock Overview
A financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
CHYM Community Fair Values
Create NarrativeSee what 29 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Chime Financial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$30.33 |
| 52 Week High | US$35.55 |
| 52 Week Low | US$15.88 |
| Beta | 0 |
| 1 Month Change | -7.47% |
| 3 Month Change | 79.26% |
| 1 Year Change | 27.71% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -18.27% |
Recent News & Updates
CHYM: Stride Bank Acquisition Will Reshape Full Stack Model And Profit Outlook
Chime Financial's analyst price target has been revised higher to $49.09 from $40.00 as analysts factor in the Stride Bank acquisition, updated guidance, higher modeled revenue growth, and profit margins, alongside a lower future P/E assumption. Analyst Commentary Recent Street research on Chime Financial has turned more constructive following the announced Stride Bank acquisition and updated company guidance.Chime: The Stride Deal Doesn't Change What Worries Me (Hold)
Summary I rate Chime a hold. It looks like a strong growth story, but it's built on a regulatory foundation that I can't get comfortable with at this point. The company recently announced the acquisition of Stride Bank, which looks sensible to me: better margins and more control. But it doesn't change the fact that the model rests on the Durbin amendment's small-issuer exception in Dodd-Frank. Updated guidance calls for FY '26 revenue growth of 26% with a 17-18% EBITDA margin. A change to Durbin could, however, essentially eradicate operating profit. Another concern is the governance structure: two co-founders control around 65% of the votes with 8% of the economics. A structure CII flagged among the four most concerning of 2025's IPOs. Read the full article on Seeking Alpha
CHYM: Rising Engagement May Fail To Offset Margin And Cost Pressures
Analysts lifted their Chime Financial fair value estimate from $22.62 to $25.44, citing updated models that reflect Street research highlighting stronger member monetization, improving profitability metrics, and support from a series of higher price targets across the neobank peer group. Analyst Commentary Recent research on Chime Financial points to a generally constructive view, with several firms updating models and price targets following the latest quarterly results.Recent updates
CHYM: Stride Bank Acquisition Will Reshape Full Stack Model And Profit Outlook
Chime Financial's analyst price target has been revised higher to $49.09 from $40.00 as analysts factor in the Stride Bank acquisition, updated guidance, higher modeled revenue growth, and profit margins, alongside a lower future P/E assumption. Analyst Commentary Recent Street research on Chime Financial has turned more constructive following the announced Stride Bank acquisition and updated company guidance.Chime: The Stride Deal Doesn't Change What Worries Me (Hold)
Summary I rate Chime a hold. It looks like a strong growth story, but it's built on a regulatory foundation that I can't get comfortable with at this point. The company recently announced the acquisition of Stride Bank, which looks sensible to me: better margins and more control. But it doesn't change the fact that the model rests on the Durbin amendment's small-issuer exception in Dodd-Frank. Updated guidance calls for FY '26 revenue growth of 26% with a 17-18% EBITDA margin. A change to Durbin could, however, essentially eradicate operating profit. Another concern is the governance structure: two co-founders control around 65% of the votes with 8% of the economics. A structure CII flagged among the four most concerning of 2025's IPOs. Read the full article on Seeking AlphaCHYM: Rising Engagement May Fail To Offset Margin And Cost Pressures
Analysts lifted their Chime Financial fair value estimate from $22.62 to $25.44, citing updated models that reflect Street research highlighting stronger member monetization, improving profitability metrics, and support from a series of higher price targets across the neobank peer group. Analyst Commentary Recent research on Chime Financial points to a generally constructive view, with several firms updating models and price targets following the latest quarterly results.
CHYM: Fair Outlook As Profitability, Restructuring And Consortium Role Shape Expectations
Analysts have lifted the fair value estimate for Chime Financial to $34.20 from $30.50, pointing to Street research that highlights solid recent execution, ongoing product rollouts, and higher conviction around revenue growth, profit margins, and the contribution from offerings like Chime Prime and the enterprise line of credit. Analyst Commentary Recent research on Chime Financial points to a broadly constructive tone, with several firms lifting price targets following the latest Q2 report and product updates.CHYM: Future Margins May Struggle To Match Rising Market Optimism
The analyst fair value estimate for Chime Financial has been raised from $21.00 to $22.62, reflecting higher revenue growth and profit margin assumptions along with recent analyst price target increases across the Street. Analyst Commentary Recent Street research on Chime Financial points to generally constructive sentiment, with several firms lifting price targets following the latest Q2 report.CHYM: Fair Outlook Balances Stablecoin Consortium Role And Profitability Milestone
Analysts have lifted their price target on Chime Financial to $21.00 from $19.00, citing updated assumptions around discount rates, profit margins, and future P/E expectations following a series of supportive initiation and upgrade reports across the Street. Analyst Commentary Recent Street research around Chime Financial reflects a mix of optimism and caution, giving you a range of viewpoints to consider when thinking about the stock's risk and reward profile.CHYM: Bullish Coverage And Buybacks May Support Future Earnings Repricing
Analysts reduced their average price target on Chime Financial to $30.50 from $31.67, citing updated assumptions for revenue growth, profit margins, and future P/E following several recent bullish initiations and an upgrade. Analyst Commentary Recent research on Chime Financial has leaned positive, with several bullish initiations, one upgrade, and at least one price target increase contributing to the current consensus view.Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
There's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...Shareholder Returns
| CHYM | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -8.1% | -1.1% | -0.2% |
| 1Y | 27.7% | -2.3% | 12.1% |
Return vs Industry: CHYM exceeded the US Diversified Financial industry which returned -2.3% over the past year.
Return vs Market: CHYM exceeded the US Market which returned 12.1% over the past year.
Price Volatility
| CHYM volatility | |
|---|---|
| CHYM Average Weekly Movement | 9.4% |
| Diversified Financial Industry Average Movement | 5.7% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.1% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: CHYM has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CHYM's weekly volatility (9%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 1,519 | Chris Britt | www.chime.com |
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019.
Chime Financial, Inc. Fundamentals Summary
| CHYM fundamental statistics | |
|---|---|
| Market cap | US$11.48b |
| Earnings (TTM) | -US$18.19m |
| Revenue (TTM) | US$2.46b |
Is CHYM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CHYM income statement (TTM) | |
|---|---|
| Revenue | US$2.46b |
| Cost of Revenue | US$277.48m |
| Gross Profit | US$2.18b |
| Other Expenses | US$2.20b |
| Earnings | -US$18.19m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.048 |
| Gross Margin | 88.71% |
| Net Profit Margin | -0.74% |
| Debt/Equity Ratio | 3.6% |
How did CHYM perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/20 06:22 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Chime Financial, Inc. is covered by 29 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Richard Kramer | Arete Research Services LLP |
| Oliver Lester | Arete Research Services LLP |
| Andrew Bauch | BMO Capital Markets Equity Research |