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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

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High
18.040
Open
17.550
VWAP
17.51
Vol
3.28M
Mkt Cap
6.58B
Low
17.230
Amount
57.38M
EV/EBITDA(TTM)
--
Total Shares
381.02M
EV
5.73B
EV/OCF(TTM)
34.54
P/S(TTM)
2.43
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
Chime Board Approves Additional $200M Share Repurchase
select
2026-05-06
16:10:00
Sees Adjusted EBITDA Between $72M to $77M
select
2026-05-06
16:10:00
Sees Adjusted EBITDA Between $416 Million to $431 Million
select

News

Fool
8.5
05-21Fool
Mode Mobile: Revolutionizing Smartphone Usage Value
  • Innovative Business Model: Mode Mobile transforms users' smartphone usage time into cash rewards through its EarnOS software and EarnPhones platform, allowing users to earn points from daily activities like gaming, music listening, and video watching, showcasing its unique value proposition in consumer tech.
  • Diverse Revenue Streams: The company generates income not only from advertising based on user attention and engagement but also through direct-to-consumer device sales, OEM partnerships, and embedded financial services, enhancing its competitive position in the market.
  • Strategic Acquisition Moves: By acquiring the popular anonymous social app NGL, which is heavily used by Gen Z, Mode Mobile rapidly expanded its user base and increased the appeal of its EarnOS platform, demonstrating strategic foresight in building a comprehensive ecosystem.
  • Investment Opportunities and Risks: Although Mode Mobile remains a private company, its Regulation A offering allows all investors to participate with a minimum investment of around $2,000; however, investing in such startups carries risks like illiquidity and market volatility, necessitating careful evaluation by potential investors.
NASDAQ.COM
8.5
05-19NASDAQ.COM
Upstart Applies for Bank Charter, Transitioning to Lender Model
  • Transition to Banking Model: Upstart has applied for a bank charter, intending to shift from a platform to a lending institution, a significant change that will enable it to lower funding costs and access deposits as a new revenue stream, thereby enhancing its position in a competitive market.
  • Funding Cost Advantage: As a bank, Upstart will be able to obtain cheaper funds through deposits rather than relying on wholesale loan resales, which will provide greater operational flexibility and improve profitability in future operations.
  • Intensifying Market Competition: Although Upstart's transformation may present new opportunities, the digital banking space is highly competitive, with companies like SoFi and Chime rapidly gaining traction, necessitating Upstart to find a unique market position to stand out.
  • Poor Stock Performance: Upstart's stock has fallen 33% this year, and despite management's confidence in the transition, the market's lukewarm response to its latest quarterly earnings report indicates that its road to recovery remains long and complicated.
Fool
8.5
05-19Fool
Upstart Holdings Seeks Bank Charter to Transform Business Model
  • Bank Charter Application: Upstart Holdings has recently applied for a bank charter to lower funding costs and expand its business, aiming to become 'the first bank built from the ground up on AI,' which could transform its business model and boost its stock price.
  • Loan Holding Strategy: Although Upstart initially did not hold any debt, it has started holding some loans on its balance sheet and has entered into an agreement with Fortress Investment Group to purchase $1.25 billion in consumer loans over the next 15 months, raising concerns in the market.
  • Diversified Funding Sources: By obtaining a bank charter, Upstart will gain access to new funding sources through deposits, reducing reliance on wholesale loan resales, allowing it to secure funds at lower rates and hold loans longer to accrue interest income.
  • Competition and Challenges: In an increasingly crowded digital banking landscape, Upstart faces pressure from companies like SoFi and Nu Holdings; while its transformation may help lower funding costs, it must also navigate stringent government regulations and market competition challenges.
seekingalpha
9.5
05-07seekingalpha
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.
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
Morgan Stanley
NULL -> Overweight
maintain
$30 -> $31
AI Analysis
2026-05-07
Reason
Morgan Stanley
Price Target
$30 -> $31
AI Analysis
2026-05-07
maintain
NULL -> Overweight
Reason
Morgan Stanley raised the firm's price target on Chime to $31 from $30 and keeps an Overweight rating on the shares.
BMO Capital
Outperform
initiated
$30
2026-04-21
Reason
BMO Capital
Price Target
$30
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.
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 27.78, compared to its 5-year average forward P/E of 30.52. 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
30.52
Current PE
27.78
Overvalued PE
94.23
Undervalued PE
-33.19

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
32.94
Current EV/EBITDA
8.98
Overvalued EV/EBITDA
73.19
Undervalued EV/EBITDA
-7.32

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
3.33
Current PS
2.12
Overvalued PS
4.29
Undervalued PS
2.38

Financials

AI Analysis
Annual
Quarterly

Whales Holding CHYM

S
SoftBank Group Corp.
Holding
CHYM
+118.96%
3M Return
M
Mubadala Investment Company PJSC
Holding
CHYM
+68.47%
3M Return
A
Atreides Management, LP
Holding
CHYM
+44.24%
3M Return
W
Whale Rock Capital Management LLC
Holding
CHYM
+35.54%
3M Return
I
IEQ Capital, LLC
Holding
CHYM
+20.65%
3M Return
T
The Caprock Group, LLC
Holding
CHYM
+17.04%
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 17.27 USD — it has decreased -1.99

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 0.13 USD, decreased

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

Chime Financial Inc (CHYM) has 1519 emplpoyees as of May 28 2026.

What is Chime Financial Inc (CHYM) market cap?

Today CHYM has the market capitalization of 6.58B USD.