Goldman Sachs analyst Will Nance reiterated a Buy rating on Chime Financial, Inc. Class A on February 25 and set a price target of $31.00.
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Will Nance has given his Buy rating due to a combination of factors that show Chime executing well above already elevated expectations and entering 2026 with strong momentum. He highlights a clear set of catalysts, including improved pricing in MyPay, accelerating margin expansion that supports GAAP earnings, and leverage to a stronger‑than‑usual tax season for both spending and new customer acquisition.
He also points to upside from a rising credit mix and higher take rates, driven by faster adoption of the Chime Card and a favorable shift toward credit volumes, alongside scaling new offerings such as Instant Loans, premium memberships, and brokerage accounts. Combined with better‑than‑expected user growth, higher ARPU, disciplined expense control, and a valuation he views as increasingly well supported, these trends underpin his conviction that the stock can outperform, justifying the Buy rating and the substantial upside to his 12‑month price target.
In another report released yesterday, B. Riley Securities also maintained a Buy rating on the stock with a $35.00 price target.
CHYM’s price has also changed moderately for the past six months – from $26.870 to $21.110, which is a -21.44% drop .