Chime Financial, Inc. Class A (CHYM) AI Stock Analysis

• Market Cap: $7.11B
• Dividend Yield: N/A
• Average Volume (3M): 3.07M
• Price to Earnings (P/E): ―
• Beta (1Y): 2.16
• Revenue Growth: 31.86%
• EPS Growth: -1664.13%
• Country: US
• Employees: 1,465
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.15
• Shares Outstanding: 339,528,750
• 10 Day Avg. Volume: 3,546,936
• 30 Day Avg. Volume: 3,065,837
• PEG Ratio: 6.09
• Price to Book (P/B): 14.09
• Price to Sales (P/S): 8.08
• P/FCF Ratio: 272.27
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $32.64
• Price Target Upside: 60.47% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 12
• EPS Forecast (FY): -4.18
• Revenue Forecast (FY): $2.15B

• Rating: 57 Neutral
• Price Target: $21.00 ▲(3.24% Upside)

Chime Financial's overall stock score is driven by strong earnings call performance and revenue growth. However, challenges in profitability, negative valuation metrics, and bearish technical indicators weigh down the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust market demand and effective business strategies, positioning Chime for continued expansion.

Product Innovation

Innovative products like the Chime Card enhance customer value proposition, driving user engagement and increasing transaction volumes.

Platform Advancement

The ChimeCore platform enhances operational efficiency and scalability, supporting higher margins and long-term profitability.

Negative Factors

Profitability Challenges

Persistent profitability issues highlight operational inefficiencies, which could hinder sustainable growth if not addressed.

Cash Flow Management

Inefficient cash flow conversion limits financial flexibility, potentially impacting investment capacity and strategic initiatives.

Termination Expense

Significant one-time expenses can strain financial resources, affecting short-term financial health and operational focus.

Chime Financial, Inc. Class A Business Overview & Revenue Model

Company Description

Chime Financial, Inc. Class A (CHYM) is a financial technology company that operates in the digital banking sector, primarily targeting consumers seeking user-friendly and low-cost banking solutions. The company offers a range of financial services, including no-fee checking and savings accounts, debit cards, and tools for budgeting and saving. By leveraging technology, Chime aims to provide a seamless banking experience that promotes financial health and accessibility for its users.

How the Company Makes Money

Chime makes money primarily through interchange fees charged to merchants when customers use their Chime debit cards for purchases. Additionally, the company generates revenue through interest on customer deposits held in its accounts, as well as from partnerships with other financial service providers that may include referral fees. Chime has strategically partnered with banks to offer its services, allowing it to scale its offerings without the significant overhead of traditional banking infrastructure. The focus on low or no fees enhances customer acquisition and retention, which is crucial for increasing transaction volumes and overall profitability.

Chime Financial, Inc. Class A Financial Statement Overview

Summary

Chime Financial shows strong revenue growth and a solid balance sheet with low leverage. However, the company faces challenges in achieving profitability and efficient cash flow management. Continued focus on operational efficiency and cost management will be crucial for improving financial performance.

Income Statement

Chime Financial has shown a positive revenue growth rate of 26.73% from 2023 to 2024, indicating strong top-line growth. However, the company is struggling with profitability, as evidenced by negative net profit margins and EBIT margins over the years. The gross profit margin is healthy at 87.60% for 2024, but the negative EBIT and net profit margins suggest operational inefficiencies and high expenses relative to revenue.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.10 in 2024, indicating conservative leverage. However, the return on equity is negative, suggesting that the company is not generating sufficient returns on shareholders' equity. The equity ratio is not explicitly calculated, but the low debt levels imply a strong equity base.

Cash Flow

Chime Financial has improved its cash flow position, with a significant increase in free cash flow from 2023 to 2024. The operating cash flow to net income ratio is positive, indicating that the company is generating cash from its operations. However, the free cash flow to net income ratio is below 1, suggesting that not all net income is translating into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022
Income Statement
Total Revenue	1.59B	1.67B	1.28B	1.01B
Gross Profit	1.39B	1.47B	1.06B	794.15M
EBITDA	-964.25M	-36.83M	-222.85M	-471.40M
Net Income	-965.16M	-25.34M	-203.20M	-470.25M
Balance Sheet
Total Assets	1.96B	1.46B	1.32B	1.42B
Cash, Cash Equivalents and Short-Term Investments	1.08B	706.59M	800.63M	937.97M
Total Debt	125.84M	96.34M	104.89M	100.81M
Total Liabilities	519.04M	501.52M	383.74M	316.71M
Stockholders Equity	1.44B	959.52M	936.51M	1.10B
Cash Flow
Free Cash Flow	14.54M	49.67M	-184.41M	-507.05M
Operating Cash Flow	20.23M	64.14M	-156.59M	-434.13M
Investing Cash Flow	-344.48M	45.66M	167.01M	150.54M
Financing Cash Flow	432.96M	456.00K	842.00K	1.02M

Chime Financial, Inc. Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CHYM	57 Neutral	$7.11B	―	―	―	31.86%	-1664.13%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%
BTCS	47 Neutral	$157.61M	―	-62.90%	1.66%	373.29%	-209.98%
ARBK	37 Underperform	$20.54M	-0.35	―	―	-13.86%	-32.19%

Chime Financial, Inc. Class A Corporate Events

Chime Financial’s Earnings Call Highlights Robust Growth

Chime Financial’s recent earnings call painted a positive picture of the company’s performance, marked by robust membership growth, significant revenue increases, and successful product launches. The completion of the ChimeCore platform and strategic partnerships in enterprise channels further enhance future prospects. While there are some anticipated normalizations in ARPAM growth and a one-time termination expense, the highlights significantly overshadow these concerns.

Chime Financial Reports Strong Q3 2025 Growth

Chime Financial, Inc. is a prominent financial technology company that offers a variety of low-cost banking and payment solutions aimed at addressing the essential financial needs of everyday individuals. The company’s innovative approach has made it a popular choice among mainstream Americans seeking a primary financial partner.

Chime Financial Reports Strong Q3 2025 Performance

On November 5, 2025, Chime Financial, Inc. announced a robust financial performance for the third quarter of 2025, with a 29% year-over-year revenue growth and a 21% increase in active members, reaching 9.1 million. The company reported a net loss of $55 million but showed strong top-line momentum and improved margins, raising its full-year outlook. Additionally, Chime’s board authorized a share repurchase program of up to $200 million, reflecting confidence in its financial strength and long-term growth potential. The company also highlighted the successful rollout of new products like the Chime Card and strategic partnerships with major human capital management platforms, further enhancing its market positioning.

The most recent analyst rating on (CHYM) stock is a Hold with a $17.00 price target. To see the full list of analyst forecasts on Chime Financial, Inc. Class A stock, see the CHYM Stock Forecast page.

Chime Financial Reports Strong Q2 2025 Growth

Chime Financial, Inc. is a leading consumer financial technology company that offers a range of low-cost banking and payments products aimed at addressing the financial needs of everyday people. The company’s business model is centered around member-aligned services, with deposits insured through The Bancorp Bank, N.A. or Stride Bank, N.A.