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)4.87M
Market Cap
$7.26B
Enterprise Value$6.81B
Total Cash (Recent Filing)$1.05B
Total Debt (Recent Filing)$134.66M
Price to Earnings (P/E)33.4
Beta2.37
Next Earnings
Aug 06, 2026EPS Estimate
-0.01Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.56
Shares Outstanding349,836,060
10 Day Avg. Volume3,616,797
30 Day Avg. Volume4,874,767
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 Cap0.94
Enterprise Value/Revenue3.12
Enterprise Value/Gross Profit3.63
Enterprise Value/Ebitda-6.96
Forecast
1Y Price Target
$30.05Price Target Upside24.57% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering16
EPS Forecast (FY)0.17
Revenue Forecast (FY)$2.66B
Bulls Say, Bears Say
Bulls Say
Higher‑margin MonetizationAnalyst expects MyPay price increases and broader Chime Card adoption to shift the business mix toward higher‑margin credit products, boosting revenue per transaction and supporting margin expansion.
Market Share OpportunityAnalyst highlights Chime's position as a category leader with a large underserved U.S. retail banking market to capture, implying substantial membership growth potential as the company scales.
Platform And Product VelocityAnalyst notes ChimeCore and the next‑generation core platform should lower processing costs and accelerate product development, enabling faster rollout of features such as instant loans and premium tiers.
Bears Say
Credit Exposure And Loan QualityAnalyst warns that a growing share of revenue from credit products increases exposure to loan quality, leaving the stock vulnerable if consumer credit performance weakens.
Macro Sensitivity Of Customer BaseAnalyst cautions that persistent pressure on lower‑income consumers could limit spending and slow new member additions, constraining user growth and long‑term monetization.
Operating Expense PressureAnalyst flags elevated operating expenses as a near‑term headwind that could compress profitability even as revenue expands.
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 $7.26B.
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 90 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 349,836,060 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
Outperform
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Analyst Consensus
Strong Buy
Average Price Target:
$30.05 (24.57% Upside)
$30.05 (24.57% 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 ▼ 2.3%
Last 30 Days ▼ 3.0%
Last 30 Days ▼ 3.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
-67.86%
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
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
$30.05
▲(24.57% Upside)
Technical Analysis
Ownership Overview
13.52% Insiders
3.67% Mutual Funds
17.35% Other Institutional Investors
59.44% Public Companies and
Individual Investors