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CHYM Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
22.015
Open
21.030
VWAP
21.51
Vol
8.94M
Mkt Cap
8.30B
Low
20.795
Amount
192.31M
EV/EBITDA(TTM)
--
Total Shares
381.97M
EV
6.89B
EV/OCF(TTM)
130.49
P/S(TTM)
2.95
Chime Financial, Inc. is a financial technology company. The Company offers a range of low-cost banking and payments products that address the financial needs of everyday people. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, nationwide ATM and cash deposit networks, and early access to their paycheck, allowing them to manage their money and pay for 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 most for free. These products include SpotMe, MyPay and Instant Loans. The SpotMe which allows eligible members to overdraft fee-free within their available limit. The MyPay, which allows its members to access up to $500 of their pay on demand before payday. The Instant Loans allows eligible members to borrow funds repaid in equal monthly installments over a specified period.
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Events Timeline

(ET)
2026-05-06
16:10:00
Q1 Revenue Reaches $647M, Exceeds Expectations
select
2026-05-06
16:10:00
Sees Adjusted EBITDA Between $72M to $77M
select
2026-05-06
16:10:00
Chime Board Approves Additional $200M Share Repurchase
select
2026-05-06
16:10:00
Sees Adjusted EBITDA Between $416 Million to $431 Million
select

News

seekingalpha
9.5
05:11 AMseekingalpha
Chime Financial Reports Strong Q1 2026 Growth with New Premium Membership
  • Significant Member Growth: Chime added nearly 700,000 active members in Q1 2026, bringing the total to 10.2 million, demonstrating strong momentum in attracting high-income users, particularly in the $75,000-plus income segment, which is the fastest-growing group, thereby solidifying its market share.
  • Launch of New Membership Tier: The introduction of Chime Prime, requiring at least $3,000 in qualifying direct deposits per month with no fees, has shown early results in increasing direct deposit intent and retention among existing depositors, which is expected to drive future revenue growth.
  • Strong Financial Performance: In Q1, overall transaction profit grew 41% year-over-year to $491 million, with adjusted EBITDA at $119 million and GAAP net income at $53 million, indicating significant progress in profitability and operational efficiency.
  • Upward Guidance for the Year: Chime raised its full-year revenue guidance to between $2.66 billion and $2.69 billion, with adjusted EBITDA expectations of $416 million to $431 million, reflecting management's confidence in future performance, alongside announcing an additional $200 million share repurchase authorization.
CNBC
9.5
05-06CNBC
Mixed Earnings Reports from Multiple Companies
  • ARM Holdings Earnings Beat: ARM Holdings reported fourth-quarter adjusted earnings of 60 cents and revenue of $1.49 billion, surpassing analyst expectations of 58 cents and $1.47 billion, leading to a 6% stock increase, indicating strong market demand and growth potential.
  • DoorDash Optimistic Guidance: DoorDash forecasts second-quarter marketplace gross order value between $32.4 billion and $33.4 billion, exceeding the $32.43 billion expected by analysts, with first-quarter earnings of 42 cents per share beating the anticipated 36 cents, resulting in a 14% stock surge, reflecting robust performance in a competitive delivery market.
  • Zillow Revenue Miss: Zillow's first-quarter residential revenue of $450 million fell short of the $454.2 million estimate, causing shares to drop nearly 7%, despite overall performance exceeding expectations, which dampened market confidence in future growth.
  • Fortinet Raises Guidance: Fortinet increased its full-year billings guidance to a range of $8.8 billion to $9.1 billion, up from the previous forecast of $8.4 billion to $8.6 billion, leading to a 16% stock increase, showcasing strong growth and confidence in the cybersecurity sector.
Newsfilter
9.5
05-06Newsfilter
Chime Reports First-Ever Quarterly Profit Amid Resilient Consumer Spending
  • Quarterly Profit Milestone: Chime achieved a net income of $53 million with an 8% net margin in Q1, marking its first-ever profitability amid strong consumer spending, indicating robust demand for its digital banking products.
  • Significant User Growth: Active members increased by 19% year-over-year to 10.2 million, demonstrating Chime's success in attracting everyday consumers and solidifying its position in the competitive fintech landscape.
  • Transaction Volume Surge: Chime's purchase volume rose 12% year-over-year to $39 billion, reflecting sustained consumer spending activity despite macroeconomic uncertainties, enhancing the company's revenue potential moving forward.
  • Share Repurchase Plan: The board approved an additional $200 million share repurchase plan aimed at enhancing shareholder value, despite the stock trading below its IPO price of $27, showcasing management's confidence in future growth.
Fool
9.5
04-29Fool
SoFi Reports 41% Revenue Growth in Q1 but Shares Decline
  • Strong Revenue Growth: SoFi's Q1 revenue reached $1.1 billion, marking a 41% year-over-year increase that surpassed analyst expectations of $1.05 billion, indicating robust growth potential in its online banking operations.
  • Doubling Earnings Per Share: The earnings per share doubled from $0.06 a year ago to $0.12, aligning with analyst estimates and showcasing the company's ongoing improvement in profitability.
  • Fee Revenue Misses Expectations: Although fee-based revenue grew 23% to $387 million, it fell short of the $405 million expected by analysts, raising concerns about the sustainability of its revenue streams.
  • Record Loan Originations: Loan originations surged 16% to a record $12.2 billion, while the customer base increased by 35% year-over-year to 14.7 million, demonstrating strong performance in customer acquisition and lending activities.
PRnewswire
2.0
04-21PRnewswire
JA USA Partners with Chime to Enhance Student Financial Skills
  • Strategic Partnership Launched: Junior Achievement USA (JA USA) has formed a strategic partnership with financial technology company Chime to enhance students' financial management and career readiness skills through the JA Finance Park® program, with official rollouts planned this year in San Francisco, Minneapolis, Denver, and Peoria.
  • Educational Experience Upgrade: The new collaboration will create dedicated spaces in JA Finance Parks where students can learn financial skills through interactive activities, utilizing AI to explore emerging technologies, thereby enhancing their adaptability in a complex digital economy.
  • Future Work Preparedness: With the World Economic Forum projecting that 65% of current students will work in jobs that do not yet exist, this partnership ensures that young people are equipped with essential personal finance skills to promote economic mobility and progress, helping them tackle future challenges.
  • Long-term Financial Wellness: Chime's VP Sara El-Amine stated that this partnership will provide students with the necessary resources and experiences to make informed financial decisions, ultimately achieving long-term financial wellness, aligning with JA USA's new strategy of
Newsfilter
7.5
04-21Newsfilter
JA USA Partners with Chime to Enhance Student Financial Skills
  • Strategic Partnership: Junior Achievement USA (JA USA) has formed a strategic partnership with financial technology company Chime to enhance students' financial management and career readiness skills, with official rollouts planned this year in San Francisco, Minneapolis, Denver, and Peoria.
  • Educational Innovation: The new collaboration will create dedicated spaces in JA Finance Parks where students can learn financial skills through interactive activities, utilizing AI to explore emerging technologies, thereby enhancing their adaptability in a complex digital economy.
  • Economic Mobility: The World Economic Forum projects that 65% of students will work in jobs that do not yet exist, making personal finance skills vital for economic mobility; this partnership aims to equip young people to better navigate future career challenges.
  • Long-term Impact: JA USA's CEO Jack Harris stated that by partnering with Chime, students will gain the foundational financial knowledge necessary for economic mobility, ensuring they have opportunities for success in a rapidly changing economy.
Wall Street analysts forecast CHYM stock price to rise
12 Analyst Rating
Wall Street analysts forecast CHYM stock price to rise
10 Buy
2 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
19.00
Averages
32.55
High
40.00
Current: 0.000
sliders
Low
19.00
Averages
32.55
High
40.00
BMO Capital
Outperform
initiated
$30
AI Analysis
2026-04-21
Reason
BMO Capital
Price Target
$30
AI Analysis
2026-04-21
initiated
Outperform
Reason
BMO Capital initiated coverage of Chime with an Outperform rating and $30 price target. The firm believes the company's monetization opportunity is underappreciated at current share levels. Chime shares should compound higher in the years ahead due to earnings upside and multiple expansion, the analyst tells investors in a research note. BMO says Chime is the fastest growing challenger bank in the U.S.
BMO Capital
initiated
$30
2026-04-21
Reason
BMO Capital
Price Target
$30
2026-04-21
initiated
Reason
BMO Capital initiated coverage of Chime with an Outperform rating and $30 price target.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for CHYM
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Valuation Metrics

The current forward P/E ratio for Chime Financial Inc (CHYM.O) is 38.46, compared to its 5-year average forward P/E of 31.07. For a more detailed relative valuation and DCF analysis to assess Chime Financial Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
31.07
Current PE
38.46
Overvalued PE
96.71
Undervalued PE
-34.58

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
34.43
Current EV/EBITDA
16.34
Overvalued EV/EBITDA
75.50
Undervalued EV/EBITDA
-6.64

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.41
Current PS
2.52
Overvalued PS
4.34
Undervalued PS
2.47

Financials

AI Analysis
Annual
Quarterly

Whales Holding CHYM

S
SoftBank Group Corp.
Holding
CHYM
+78.07%
3M Return
M
Mubadala Investment Company PJSC
Holding
CHYM
+65.67%
3M Return
A
Atreides Management, LP
Holding
CHYM
+33.50%
3M Return
W
Whale Rock Capital Management LLC
Holding
CHYM
+30.68%
3M Return
C
Coatue Management
Holding
CHYM
+19.10%
3M Return
C
Comprehensive Financial Management LLC
Holding
CHYM
+17.50%
3M Return

Trading Trends

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Frequently Asked Questions

What is Chime Financial Inc (CHYM) stock price today?

The current price of CHYM is 21.73 USD — it has increased 4.52

What is Chime Financial Inc (CHYM)'s business?

Chime Financial, Inc. is a financial technology company. The Company offers a range of low-cost banking and payments products that address the financial needs of everyday people. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, nationwide ATM and cash deposit networks, and early access to their paycheck, allowing them to manage their money and pay for 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 most for free. These products include SpotMe, MyPay and Instant Loans. The SpotMe which allows eligible members to overdraft fee-free within their available limit. The MyPay, which allows its members to access up to $500 of their pay on demand before payday. The Instant Loans allows eligible members to borrow funds repaid in equal monthly installments over a specified period.

What is the price predicton of CHYM Stock?

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 is32.55 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.

What is Chime Financial Inc (CHYM)'s revenue for the last quarter?

Chime Financial Inc revenue for the last quarter amounts to 647.39M USD, increased 24.80

What is Chime Financial Inc (CHYM)'s earnings per share (EPS) for the last quarter?

Chime Financial Inc. EPS for the last quarter amounts to USD, decreased

How many employees does Chime Financial Inc (CHYM). have?

Chime Financial Inc (CHYM) has 1519 emplpoyees as of May 07 2026.

What is Chime Financial Inc (CHYM) market cap?

Today CHYM has the market capitalization of 8.30B USD.