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
Should l Buy CHYM?
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
12 Analyst Rating
10 Buy
2 Hold
0 Sell
Strong Buy
Current: 19.650
Low
19.00
Averages
32.55
High
40.00
Current: 19.650
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 Enters Multi-Year Partnership with MLS
- First Major Investment: Chime has entered a multi-year partnership with Major League Soccer (MLS), becoming the official retail banking, credit card, and debit card partner, marking its first significant investment in professional soccer, which is expected to enhance brand visibility and attract more users.
- All-Star Game Sponsorship: As the presenting sponsor of the MLS All-Star Game, Chime will gain brand exposure at one of the league's premier global events, enhancing engagement with soccer fans and boosting its influence among younger consumers.
- Multi-Platform Integration: Throughout the season, Chime will collaborate with MLS through digital and social media integrations, live events, and fan experiences, aiming to enhance fan engagement and promote community interaction, reflecting a shared commitment to accessibility and innovation.
- Community Engagement Initiatives: The partnership will include community engagement activities across multiple markets, further deepening the collaboration between Chime and MLS, helping Chime build stronger brand loyalty in the U.S. market while supporting community development related to soccer.
See More
MLS Forms Long-Term Partnership with Chime Financial Inc.
- Partnership Announcement: Chime Financial Inc. has announced a multi-year partnership with the financial services company, M.L.S.
- Strategic Goals: The partnership aims to enhance financial services and expand offerings for customers through collaborative efforts.
See More
Patient Capital Initiates New Position in Chime Financial
- New Investment Insight: According to an SEC filing dated February 13, 2026, Patient Capital Management initiated a new position in Chime Financial by acquiring approximately 2,035,112 shares during Q4 2025, with an estimated transaction value of $51.22 million, reflecting confidence in the company's growth potential.
- Holding Proportion Analysis: This new position accounts for 1.98% of Patient Capital's reportable AUM, indicating the fund's strategic emphasis on Chime within its diversified portfolio, which may attract further investor interest.
- Financial Performance Overview: As of February 13, 2026, Chime Financial boasts a market capitalization of $7.38 billion and trailing twelve-month revenue of $1.67 billion, despite a net income loss of $25.34 million, its 29% year-over-year sales growth underscores strong market demand.
- Growth and Risk: Chime's technology and development expenses surged to $823 million in the first nine months of 2025, resulting in a $986 million operating loss, leading risk-averse investors to potentially adopt a wait-and-see approach until the company can demonstrate improved profitability.
See More
Ranger Investment Management Acquires New Position in Chime Financial
- New Position: On February 13, 2026, Ranger Investment Management disclosed a new position in Chime Financial by acquiring 591,255 shares valued at approximately $14.88 million, indicating confidence in the company's future prospects.
- Asset Allocation: This position accounts for 1.02% of Ranger's 13F reportable assets as of December 31, 2025, highlighting the fund's strategic focus on the digital banking sector.
- Market Performance: As of February 13, 2026, Chime Financial's shares were priced at $19.69, down about 27% from their $27 IPO price, reflecting market caution regarding the company's growth trajectory.
- Financial Metrics: Chime generated $544 million in revenue in the third quarter, a 29% year-over-year increase, with adjusted EBITDA of $29 million, showcasing potential in profitability and user growth despite ongoing net losses.
See More
Ranger Investment Management Acquires Chime Shares
- New Investment Disclosure: Ranger Investment Management disclosed the acquisition of 591,255 shares of Chime in Q4 2026, valued at approximately $14.88 million, indicating confidence in the digital banking platform.
- Holding Proportion Analysis: This acquisition positions Chime at 1.02% of Ranger's AUM, which, while not in the top five holdings, still reflects a significant interest in the company.
- Financial Performance Highlights: Chime generated $544 million in Q3 revenue, a 29% year-over-year increase, with a gross profit of $474 million and an impressive 87% gross margin, underscoring the sustainability of its business model.
- Market Outlook: Despite Chime's shares trading 27% below their IPO price, management anticipates full-year revenue of up to $2.173 billion and adjusted EBITDA of as much as $118 million, indicating strong future growth potential.
See More
Napean Trading Reduces Stake in Chime Financial
- Share Reduction Transaction: On February 13, 2026, Singapore-based Napean Trading & Investment sold 449,981 shares of Chime Financial, with an estimated trade value of $9.56 million, indicating a weakening confidence in the company.
- Stake Proportion Decline: Following this sale, Chime Financial now accounts for only 0.06% of Napean's portfolio, a significant drop from the previous 1.8%, suggesting a reduced focus from investors on this fintech.
- Financial Performance Analysis: Despite Chime Financial's third-quarter revenue rising 29% year-over-year to $543.5 million and maintaining an 87% gross margin, the net loss of $54.7 million highlights that scale has not yet translated into GAAP profitability.
- Market Performance Review: As of February 13, 2026, Chime Financial's shares traded at $19.69, approximately 27% below its $27 IPO price, reflecting market concerns regarding its long-term profitability potential.
See More
Chime Enters Multi-Year Partnership with MLS
- First Major Investment: Chime has entered a multi-year partnership with Major League Soccer (MLS), becoming the official retail banking, credit card, and debit card partner, marking its first significant investment in professional soccer, which is expected to enhance brand visibility and attract more users.
- All-Star Game Sponsorship: As the presenting sponsor of the MLS All-Star Game, Chime will gain brand exposure at one of the league's premier global events, enhancing engagement with soccer fans and boosting its influence among younger consumers.
- Multi-Platform Integration: Throughout the season, Chime will collaborate with MLS through digital and social media integrations, live events, and fan experiences, aiming to enhance fan engagement and promote community interaction, reflecting a shared commitment to accessibility and innovation.
- Community Engagement Initiatives: The partnership will include community engagement activities across multiple markets, further deepening the collaboration between Chime and MLS, helping Chime build stronger brand loyalty in the U.S. market while supporting community development related to soccer.
See More
MLS Forms Long-Term Partnership with Chime Financial Inc.
- Partnership Announcement: Chime Financial Inc. has announced a multi-year partnership with the financial services company, M.L.S.
- Strategic Goals: The partnership aims to enhance financial services and expand offerings for customers through collaborative efforts.
See More
Patient Capital Initiates New Position in Chime Financial
- New Investment Insight: According to an SEC filing dated February 13, 2026, Patient Capital Management initiated a new position in Chime Financial by acquiring approximately 2,035,112 shares during Q4 2025, with an estimated transaction value of $51.22 million, reflecting confidence in the company's growth potential.
- Holding Proportion Analysis: This new position accounts for 1.98% of Patient Capital's reportable AUM, indicating the fund's strategic emphasis on Chime within its diversified portfolio, which may attract further investor interest.
- Financial Performance Overview: As of February 13, 2026, Chime Financial boasts a market capitalization of $7.38 billion and trailing twelve-month revenue of $1.67 billion, despite a net income loss of $25.34 million, its 29% year-over-year sales growth underscores strong market demand.
- Growth and Risk: Chime's technology and development expenses surged to $823 million in the first nine months of 2025, resulting in a $986 million operating loss, leading risk-averse investors to potentially adopt a wait-and-see approach until the company can demonstrate improved profitability.
See More
Ranger Investment Management Acquires New Position in Chime Financial
- New Position: On February 13, 2026, Ranger Investment Management disclosed a new position in Chime Financial by acquiring 591,255 shares valued at approximately $14.88 million, indicating confidence in the company's future prospects.
- Asset Allocation: This position accounts for 1.02% of Ranger's 13F reportable assets as of December 31, 2025, highlighting the fund's strategic focus on the digital banking sector.
- Market Performance: As of February 13, 2026, Chime Financial's shares were priced at $19.69, down about 27% from their $27 IPO price, reflecting market caution regarding the company's growth trajectory.
- Financial Metrics: Chime generated $544 million in revenue in the third quarter, a 29% year-over-year increase, with adjusted EBITDA of $29 million, showcasing potential in profitability and user growth despite ongoing net losses.
See More
Ranger Investment Management Acquires Chime Shares
- New Investment Disclosure: Ranger Investment Management disclosed the acquisition of 591,255 shares of Chime in Q4 2026, valued at approximately $14.88 million, indicating confidence in the digital banking platform.
- Holding Proportion Analysis: This acquisition positions Chime at 1.02% of Ranger's AUM, which, while not in the top five holdings, still reflects a significant interest in the company.
- Financial Performance Highlights: Chime generated $544 million in Q3 revenue, a 29% year-over-year increase, with a gross profit of $474 million and an impressive 87% gross margin, underscoring the sustainability of its business model.
- Market Outlook: Despite Chime's shares trading 27% below their IPO price, management anticipates full-year revenue of up to $2.173 billion and adjusted EBITDA of as much as $118 million, indicating strong future growth potential.
See More
Napean Trading Reduces Stake in Chime Financial
- Share Reduction Transaction: On February 13, 2026, Singapore-based Napean Trading & Investment sold 449,981 shares of Chime Financial, with an estimated trade value of $9.56 million, indicating a weakening confidence in the company.
- Stake Proportion Decline: Following this sale, Chime Financial now accounts for only 0.06% of Napean's portfolio, a significant drop from the previous 1.8%, suggesting a reduced focus from investors on this fintech.
- Financial Performance Analysis: Despite Chime Financial's third-quarter revenue rising 29% year-over-year to $543.5 million and maintaining an 87% gross margin, the net loss of $54.7 million highlights that scale has not yet translated into GAAP profitability.
- Market Performance Review: As of February 13, 2026, Chime Financial's shares traded at $19.69, approximately 27% below its $27 IPO price, reflecting market concerns regarding its long-term profitability potential.
See More
