Chime Financial Goes Public at $27, Opens at $43, Now Trading at $26
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 15 2026
0mins
Source: Fool
- IPO Performance: Chime Financial went public on June 12, 2025, at $27, opening at $43 but currently trading at $26, indicating investor concerns over its slowing growth.
- Market Valuation: With a market cap of $8.7 billion, Chime appears inexpensive at three times next year's sales, yet its valuation peaked at $25 billion in 2021, reflecting diminished market confidence in its growth prospects.
- User Growth and Revenue: Chime's active members reached 6.6 million in 2023, projected to grow to 9.1 million by 2025, although its purchase volume declined in Q2 and Q3 of 2025, highlighting challenges in a competitive market.
- Future Growth Potential: Analysts expect Chime's revenue to rise by 30% in 2025, with plans to introduce higher-margin financial products to reduce reliance on Visa's swipe fees; if successful, its market cap could grow to $47.5 billion in the coming years.
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Analyst Views on CHYM
Wall Street analysts forecast CHYM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CHYM is 32.55 USD with a low forecast of 19.00 USD and a high forecast of 40.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
12 Analyst Rating
10 Buy
2 Hold
0 Sell
Strong Buy
Current: 26.220
Low
19.00
Averages
32.55
High
40.00
Current: 26.220
Low
19.00
Averages
32.55
High
40.00
About CHYM
Chime Financial, Inc. is a consumer financial technology company. The Company offers everyday Americans access to a range of products with banking services provided by its Federal Deposit Insurance Corporation (FDIC) insured bank partners. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, secured credit cards, and other mobile banking features that allow them to manage their money and pay for their everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it for free. These products include SpotMe, which is a fee-free overdraft protection product, and MyPay, which allows its members to access up to $500 of their pay on demand before payday. It offers access to full-featured, FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Chime to Release Q4 and Full Year 2025 Financial Results
- Earnings Release Schedule: Chime® (NASDAQ:CHYM) is set to release its Q4 and full year 2025 financial results on February 25, 2026, after market close, reflecting the company's commitment to transparency.
- Conference Call Timing: The company will hold a conference call at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) on the same day to discuss the financial results, aiming to enhance investor communication and engagement.
- Live Webcast Availability: The earnings conference call will be accessible via a live webcast on Chime's Investor Relations website, ensuring that all investors can receive real-time information, thereby improving information transparency.
- Reaffirming Business Model: Chime emphasizes its member-aligned business model that offers low-cost banking and payment products, aiming to help more individuals achieve financial progress, which further solidifies its market position.
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Ashton Thomas Acquires $129.1 Million Stake in Chime Financial
- New Investment Disclosure: On January 29, Ashton Thomas Private Wealth disclosed a new position by acquiring 5.13 million shares of Chime Financial worth $129.1 million, indicating strong confidence in the company's future prospects.
- Asset Allocation Insight: This investment represents 3.1% of Ashton Thomas's 13F reportable assets, highlighting a strategic focus on large, liquid exposures, particularly in the consumer finance sector.
- Significant Performance Growth: Chime Financial reported a 29% year-over-year revenue increase to $544 million in its most recent quarter, with active members rising 21% to 9.1 million, showcasing robust growth potential in the fintech landscape.
- Positive Future Outlook: Chime announced a $200 million share repurchase program and raised its full-year guidance, and despite the stock price being below IPO levels, recent performance may have attracted new investor interest.
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