Chime Financial, Inc. Class A (CHYM)
NASDAQ:CHYM
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CHYM Stock Chart & Stats
$24.12
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Market closed
$24.12
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Day’s Range― - ―
52-Week Range$16.17 - $44.94
Previous CloseN/A
VolumeN/A
Average Volume (3M)4.89M
Market Cap
$7.09B
Enterprise Value$6.60B
Total Cash (Recent Filing)$1.01B
Total Debt (Recent Filing)$120.61M
Price to Earnings (P/E)―
Beta2.11
Next Earnings
Aug 06, 2026Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.62
Shares Outstanding348,886,840
10 Day Avg. Volume4,113,158
30 Day Avg. Volume4,891,450
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 Cap0.93
Enterprise Value/Revenue2.85
Enterprise Value/Gross Profit3.24
Enterprise Value/Ebitda-6.84
Forecast
1Y Price Target
$30.50Price Target Upside26.45% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering11
EPS Forecast (FY)0.3
Revenue Forecast (FY)$2.68B
Bulls Say, Bears Say
Bulls Say
Member Growth & EngagementSustained 19% YoY active-member growth to 10.2M increases the platform’s addressable transaction base and cross-sell potential. Larger, engaged cohorts raise ARPAM and deposits over time, reinforcing network effects and a durable revenue foundation from interchange and payments.
Positive Free Cash FlowConsecutive years of positive free cash flow provide funding flexibility for product investment, buybacks, and loss absorption without immediate reliance on external capital. This cash-generation trend underpins medium‑term operational scaling and supports strategic initiatives like Chime Prime.
Strong Unit Economics & Transaction ProfitHigh transaction margins and a reported >8x LTV:CAC indicate robust monetization per customer and attractive payback dynamics. Durable unit economics—driven by MyPay, card adoption, and increasing ARPAM—support scalable EBITDA as cohorts mature and cross‑product usage deepens.
Bears Say
2025 Earnings Collapse & Weak ROEA ~ $1.0B net loss and a sharply negative ROE indicate capital is not being converted into profits, signaling a structural profitability hole. Such severe 2025 deterioration strains investor confidence and could force tougher capital allocation choices if not reversed sustainably.
Earnings-quality & Cash-flow DisconnectDeclining operating cash flow alongside widening accounting losses points to earnings‑quality volatility. That disconnect raises execution risk: reported profits may be fragile, and management could need to curtail investments or seek capital during adverse cycles, limiting strategic optionality.
Chime Prime & Enterprise Execution RiskPublic launch of Chime Prime is a structural growth lever but remains early with undisclosed CAC/LTV. Material upfront investments and long enterprise sales cycles create execution risk: slower adoption or weaker economics would depress margins and delay promised profit contribution.
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 $7.09B.
When is Chime Financial, Inc. Class A’s upcoming earnings report date?
Chime Financial, Inc. Class A’s upcoming earnings report date is Aug 06, 2026 which is in 63 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.
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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$30.50 (26.45% Upside)
$30.50 (26.45% Upside)
Blogger Sentiment
Bullish
CHYM Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 4.4M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 2.1%
Last 30 Days ▼ 4.2%
Last 30 Days ▼ 4.2%
News Sentiment
Bullish
Bullish news 79%
Bearish news 33%
Bearish news 33%
Fundamentals
Return on Equity
-67.86%
Trailing 12-Months
Asset Growth
35.82%
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
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
$30.50
▲(26.45% Upside)
Technical Analysis
Ownership Overview
13.53% Insiders
9.28% Mutual Funds
65.58% Other Institutional Investors
5.14% Public Companies and
Individual Investors