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CHYM Stock Chart & Stats
$20.69
-$0.07(-0.34%)
At close: 4:00 PM EDT
$20.69
-$0.07(-0.34%)
Day’s Range― - ―
52-Week Range$15.88 - $34.54
Previous CloseN/A
Volume4.42M
Average Volume (3M)5.66M
Market Cap
$8.61B
Enterprise Value$6.61K
Total Cash (Recent Filing)$1.01B
Total Debt (Recent Filing)$132.74M
Price to Earnings (P/E)―
Beta1.71
Next Earnings
Aug 05, 2026EPS Estimate
<0.01Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.62
Shares Outstanding348,886,840
10 Day Avg. Volume5,345,666
30 Day Avg. Volume5,660,924
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)6.80
Price to Sales (P/S)4.36
P/FCF Ratio289.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$30.44Price Target Upside47.15% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)0.32
Revenue Forecast (FY)$2.68B
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth And High Gross MarginsSustained top-line expansion and very high gross margins indicate durable unit economics and scalable payment/credit take rates. That margin profile provides structural capacity to fund product expansion, subsidize CAC, and preserve operating leverage as the business scales over the next 2–6 months.
Improving Cash Generation And Modest LeverageTransition to positive OCF and consecutive positive free cash flow years signal improving cash conversion that supports reinvestment, the $200M buyback, and capital flexibility. With modest reported debt levels, the company has durable buffer to fund growth and absorb investment cycles.
Strong Member Growth And Durable Unit EconomicsHigh member growth, improving ARPAM, and an LTV:CAC above 8x demonstrate persistently strong engagement and monetization. Cohort expansion and cross‑sell (MyPay, Chime Card, platform revenue) indicate durable customer economics that can sustain long‑term revenue per user.
Bears Say
Large 2025 Net Loss And Weak ROEA severe 2025 GAAP loss and deeply negative ROE show capital has not been converting to profit, undermining returns for shareholders. This large earnings deterioration is a structural risk to capital allocation, investor confidence, and could constrain strategic options if persistent.
Earnings Volatility And Accounting Vs Cash DisconnectThe growing divergence between volatile accounting losses and uneven cash trends signals earnings quality risk. If GAAP volatility persists, it complicates forecasting, raises reserve or provisioning uncertainty, and could pressure lending, regulatory or investor scrutiny over the medium term.
Early-stage Prime & Investment-driven Margin PressureStrategic investments in Chime Prime and planned sales/marketing support will weigh on near‑to‑medium term margins. Prime’s unit economics and CAC/LTV are still unclear, creating execution risk that could slow margin recovery and delay return to consistent GAAP profitability.
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 $15.88 and its highest was $34.54 in the past 12 months.
What is Chime Financial, Inc. Class A’s market cap?
Chime Financial, Inc. Class A’s market cap is $8.61B.
When is Chime Financial, Inc. Class A’s upcoming earnings report date?
Chime Financial, Inc. Class A’s upcoming earnings report date is Aug 05, 2026 which is in 3 days.
How were Chime Financial, Inc. Class A’s earnings last quarter?
Chime Financial, Inc. Class A released its earnings results on May 06, 2026. The company reported $0.13 earnings per share for the quarter, beating the consensus estimate of $0.034 by $0.096.
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 <0.01.
How many shares outstanding does Chime Financial, Inc. Class A have?
Chime Financial, Inc. Class A has 348,886,840 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 $0.13 in its last earnings report, beating expectations of $0.034. Following the earnings report the stock price went down -12.517%.
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
Underperform
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Analyst Consensus
Strong Buy
Average Price Target:
$30.44 (47.15% Upside)
$30.44 (47.15% Upside)
Blogger Sentiment
Bullish
CHYM Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 4.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $106.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.8%
Last 30 Days ▼ 1.1%
Last 30 Days ▼ 1.1%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-42.84%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
35.82%
Trailing 12-Months
Company Description
Chime Financial, Inc. Class A
Chime functions as a digital-first financial technology company, delivering a range of banking services that come without typical fees. These offerings, which encompass checking and savings accounts, early access to paychecks, and overdraft protection, are provided in collaboration with banks that are insured by the FDIC. Chime largely targets consumers whose annual income is under $100,000, with its primary revenue stream originating from interchange fees.
CHYM Company Deck
CHYM Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong, broad-based positive momentum: record active member growth, double-digit revenue growth (25% YoY), first quarter of GAAP profitability, sizable adjusted EBITDA and transaction profit expansion, and powerful unit economics supported by MyPay and Chime Card adoption. Management is investing in Chime Prime, AI-driven product velocity, and enterprise growth—moves expected to deepen member relationships but which introduce near-term seasonality and investment-driven margin headwinds. Overall the positives (growth, profitability, product traction, and operating leverage) materially outweigh the early-stage risks and seasonal/near-term investments.View all CHYM earnings summariesCHYM Stock 12 Month Forecast
Average Price Target
$30.44
▲(47.15% Upside)
Technical Analysis
Ownership Overview
13.25% Insiders
9.89% Mutual Funds
0.67% Other Institutional Investors
68.14% Public Companies and
Individual Investors