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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 - $33.41
Previous CloseN/A
Volume4.42M
Average Volume (3M)5.66M
Market Cap
$11.02B
Enterprise Value$7.06K
Total Cash (Recent Filing)$1.06B
Total Debt (Recent Filing)$117.85M
Price to Earnings (P/E)―
Beta2.11
Next Earnings
Nov 11, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.06
Shares Outstanding347,019,870
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
$32.77Price Target Upside58.38% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering14
EPS Forecast (FY)0.39
Revenue Forecast (FY)$2.73B
Bulls Say, Bears Say
Bulls Say
Revenue Growth & High Gross MarginsSustained multi-year revenue growth combined with persistently high gross margins signals scalable unit economics and durable top-line expansion. This mix supports long-term operating leverage, funds product investment, and increases the probability management can convert scale into sustained profitability over the next 2–6 months and beyond.
Low Leverage And Balance-sheet FlexibilityA low debt load and a growing equity base provide financial flexibility to fund growth initiatives, absorb restructuring costs, and support liquidity product expansion. Modest leverage reduces refinancing risk and enables use of secured facilities and strategic investments without materially increasing financial vulnerability.
Product & Member Momentum (Prime, MyPay, Instant Loans)Rapid member gains and early traction for higher-value products (Prime, MyPay, instant loans) create a stronger revenue mix and higher per-member monetization. Enterprise wins and a $500M warehouse facility further institutionalize funding, making product-led customer economics a durable growth engine if retention and credit performance persist.
Bears Say
2025 Large Net Loss & Weak ROEA material 2025 net loss and severely negative ROE indicate capital is not being converted into returns, undermining long-term shareholder value. Even with revenue scale, such large accounting losses highlight structural profitability risks—from cost items, credit volatility, or nonrecurring hits—that could impede durable free-cash-flow improvement.
Profitability Vs Cash-flow DisconnectImproving but modest and declining operating cash flow versus expanding accounting losses signals fragile earnings quality. The disconnect raises the risk that continued profitability improvements must outpace volatility in cash conversion and credit losses to sustainably fund growth and cover operating costs without raising external funding.
Restructuring And CFO Transition RiskA notable reorganization with material one-time charges and a CFO departure create execution and governance risks during a critical scaling phase. Leadership transition in finance can slow reporting, capital decisions, and investor confidence, while restructuring outcomes determine whether cost saves sustainably improve margins or only temporarily mask operating issues.
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 $33.41 in the past 12 months.
What is Chime Financial, Inc. Class A’s market cap?
Chime Financial, Inc. Class A’s market cap is $11.02B.
When is Chime Financial, Inc. Class A’s upcoming earnings report date?
Chime Financial, Inc. Class A’s upcoming earnings report date is Nov 11, 2026 which is in 91 days.
How were Chime Financial, Inc. Class A’s earnings last quarter?
Chime Financial, Inc. Class A released its earnings results on Aug 05, 2026. The company reported $0.07 earnings per share for the quarter, beating the consensus estimate of $0.001 by $0.069.
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 0.08.
How many shares outstanding does Chime Financial, Inc. Class A have?
Chime Financial, Inc. Class A has 347,019,870 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 $0.07 in its last earnings report, beating expectations of $0.001. Following the earnings report the stock price went up 20.563%.
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:
$32.77 (58.38% Upside)
$32.77 (58.38% Upside)
Blogger Sentiment
Bullish
CHYM Sentiment 71%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 4.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $117.3M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 2.5%
Last 30 Days ▼ 6.0%
Last 30 Days ▼ 6.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-42.84%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
4.95%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a strong set of operational and financial results: robust member growth, double-digit revenue growth, margin expansion to profitability, significant product momentum (Chime Prime, Chime Invest), and scaled liquidity products with improving credit metrics. Management is investing in growth while capturing operating leverage, supported by a new $500M warehouse facility. Headwinds are manageable and largely strategic — a workforce reduction with associated charges, short-term elevated rewards costs tied to Prime, a planned modest uptick in loss rates as credit access expands, and a CFO transition. On balance, highlights materially outweigh lowlights, indicating positive momentum and confidence in sustainable growth.View all CHYM earnings summariesCHYM Stock 12 Month Forecast
Average Price Target
$32.77
▲(58.38% Upside)
Technical Analysis
Ownership Overview
13.65% Insiders
9.94% Mutual Funds
23.11% Other Institutional Investors
45.16% Public Companies and
Individual Investors