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Chime Financial, Inc. Class A (CHYM)
NASDAQ:CHYM
CHYM Stock Chart & Stats
$19.15
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Market closed
$19.15
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Day’s Range― - ―
52-Week Range$16.17 - $44.94
Previous CloseN/A
VolumeN/A
Average Volume (3M)4.50M
Market Cap
$7.17B
Enterprise Value$7.02B
Total Cash (Recent Filing)$1.05B
Total Debt (Recent Filing)$134.66M
Price to Earnings (P/E)―
Beta1.53
Next Earnings
May 07, 2026EPS Estimate
0.03Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.12
Shares Outstanding342,395,700
10 Day Avg. Volume6,380,885
30 Day Avg. Volume4,497,885
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)42.43
Price to Sales (P/S)27.20
P/FCF Ratio1.81K
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue3.21
Enterprise Value/Gross Profit3.74
Enterprise Value/Ebitda-7.17
Forecast
1Y Price Target
$32.42Price Target Upside69.30% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering13
EPS Forecast (FY)0.14
Revenue Forecast (FY)$2.66B
Bulls Say, Bears Say
Bulls Say
Market Share ExpansionAnalyst views Chime as a category leader with a large runway to capture share from traditional retail banks, given a user base that remains small relative to total market opportunity.
MyPay And Chime Card MonetizationConfirmed MyPay price increases and broader Chime Card adoption should raise revenue per transaction and shift the business mix toward higher‑margin credit products, supporting margin expansion.
Technology Platform And EfficiencyConversion to the ChimeCore next‑generation core is expected to lower processing costs and speed product development, enabling faster feature rollouts and improved operating leverage.
Bears Say
Consumer Demand RiskOngoing pressure on lower‑income consumers and per-user revenue that remains below more tenured cohorts could limit spending, slow new user growth, and constrain valuation multiples.
Credit Exposure RiskAnalyst flags that a larger share of revenue from credit products increases exposure to loan quality risk, making credit performance a key determinant of financial outcomes.
Operating Expense PressureAnalyst notes higher-than-expected operating expenses that could pressure profitability and slow margin improvement despite revenue growth.
Chime Financial, Inc. Class A News
CHYM FAQ
What was Chime Financial, Inc. Class A’s price range in the past 12 months?
Chime Financial, Inc. Class A lowest stock price was $16.17 and its highest was $44.94 in the past 12 months.
What is Chime Financial, Inc. Class A’s market cap?
Chime Financial, Inc. Class A’s market cap is $7.17B.
When is Chime Financial, Inc. Class A’s upcoming earnings report date?
Chime Financial, Inc. Class A’s upcoming earnings report date is May 07, 2026 which is in 45 days.
How were Chime Financial, Inc. Class A’s earnings last quarter?
Chime Financial, Inc. Class A released its earnings results on Feb 05, 2026. The company reported -$0.12 earnings per share for the quarter, beating the consensus estimate of -$0.178 by $0.058.
Is Chime Financial, Inc. Class A overvalued?
According to Wall Street analysts Chime Financial, Inc. Class A’s price is currently Undervalued.
Does Chime Financial, Inc. Class A pay dividends?
Chime Financial, Inc. Class A does not currently pay dividends.
What is Chime Financial, Inc. Class A’s EPS estimate?
Chime Financial, Inc. Class A’s EPS estimate is 0.03.
How many shares outstanding does Chime Financial, Inc. Class A have?
Chime Financial, Inc. Class A has 342,395,700 shares outstanding.
What happened to Chime Financial, Inc. Class A’s price movement after its last earnings report?
Chime Financial, Inc. Class A reported an EPS of -$0.12 in its last earnings report, beating expectations of -$0.178. Following the earnings report the stock price went up 4.863%.
Which hedge fund is a major shareholder of Chime Financial, Inc. Class A?
Currently, no hedge funds are holding shares in CHYM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Chime Financial, Inc. Class A Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$32.42 (69.30% Upside)
$32.42 (69.30% Upside)
Blogger Sentiment
Bullish
CHYM Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.1M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 2.4%
Last 30 Days ▼ 2.4%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Fundamentals
Return on Equity
-76.87%
Trailing 12-Months
Asset Growth
34.47%
Trailing 12-Months
Company Description
Chime Financial, Inc. Class A
Chime is a mobile-first fintech platform offering fee-free banking services—such as checking, savings, early paycheck access, and overdraft protection—via partnerships with FDIC-insured banks. It focuses on serving consumers earning under $100K/year and earns mainly through interchange fees.
CHYM Company Deck
CHYM Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated strong execution: robust revenue growth (31% FY), meaningful margin expansion (12ppt YoY in Q4), product-led monetization (Chime Card, MyPay, Instant Loans), completion of a major ChimeCore migration with substantial cost advantages, large net new active member additions and high engagement. Management provided confident 2026 guidance with continued operating leverage and GAAP profitability expected for the balance of the year. Near-term uncertainties include seasonality/tax timing, MyPay repricing effects, the credit profile of scaling Instant Loans, and the multi-quarter ramp of the enterprise channel and planned marketing investments. Overall, positive momentum and structural advantages outweigh these manageable near-term risks.View all CHYM earnings summariesCHYM Stock 12 Month Forecast
Average Price Target
$32.42
▲(69.30% Upside)
Technical Analysis
Ownership Overview
13.67% Insiders
3.44% Mutual Funds
69.56% Other Institutional Investors
12.71% Public Companies and Individual Investors