Chime to Release Q4 and Full Year 2025 Financial Results

Written by Emily J. Thompson, Senior Investment Analyst

Source: Newsfilter

Updated: Jan 29 2026

0mins

CHYM-4.42%

Should l Buy CHYM?

Source: Newsfilter

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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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: 21.730

Low

19.00

Averages

32.55

High

40.00

Current: 21.730

Low

19.00

Averages

32.55

High

40.00

Rothschild & Co Redburn

Neutral

initiated

$29

2026-01-26

Reason

Rothschild & Co Redburn

Price Target

$29

AI Analysis

2026-01-26

initiated

Neutral

Reason

Rothschild & Co Redburn initiated coverage of Chime with a Neutral rating and $29 price target. The company's partner-led model brings faster growth and avoids costly bank infrastructure, but its increasingly lending-driven growth "exposes limitations," the analyst tells investors in a research note. The firm says credit risk "ultimately sits with Chime." As its partner banks approach restricts capacity, a greater share of loans will likely move onto Chime's balance sheet, contends Rothschild. The firm expects Chime's credit-exposed revenues will pressure the stock's multiple over time.

Goldman Sachs

Buy

maintain

$27 -> $30

2026-01-06

Reason

Goldman Sachs

Price Target

$27 -> $30

2026-01-06

maintain

Buy

Reason

Goldman Sachs raised the firm's price target on Chime to $30 from $27 and keeps a Buy rating on the shares.

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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.

Brown University Invests in Chime Financial

5 days agoNASDAQ.COM

Investment Scale: Brown University acquired 102,805 shares of Chime Financial, valued at approximately $2.59 million, reflecting confidence in the fintech platform's appeal, particularly among younger demographics.
Target Market: Chime focuses on U.S. consumers earning under $100,000, offering low-cost mobile banking services that particularly attract college students, aligning perfectly with Brown University's investment strategy.
Investment Background: This investment is part of Brown University's long-term endowment portfolio, aimed at supporting various institutional needs such as faculty salaries and scholarships, highlighting the university's active participation in financial markets.
Market Outlook: Although Chime currently reports negative net income, this is common for newly public fintech firms, providing investors with an opportunity to enter early and potentially benefit from future stock price recovery.

Brown University Acquires Stake in Chime Financial

5 days agoFool

New Investment Position: According to a SEC filing dated January 30, 2026, Brown University initiated a new position by acquiring 102,805 shares of Chime Financial, with an estimated transaction value of approximately $2.59 million, indicating the university's interest in the fintech sector.
Asset Allocation Impact: This investment represents 1.8% of Brown's 13F reportable assets, making it the seventh largest holding in Chime, reflecting the university's strategy for portfolio diversification.
Market Performance Analysis: Chime Financial has a market capitalization of $9.52 billion, and while it reported a negative net income of $984.77 million, such losses are common for newly public fintech companies, necessitating investor attention on its long-term performance.
Target Consumer Base: Brown University's investment aligns well with Chime's target demographic, primarily U.S. consumers earning under $100,000 annually, highlighting the university's focus on the young consumer market.

Ashton Thomas Acquires $129.1 Million Stake in Chime Financial

Jan 29 2026Fool

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.