CHYM Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

12 Analyst Rating

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 32.64 USD with a low forecast of 17.00 USD and a high forecast of 42.00 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.

9 Buy

3 Hold

0 Sell

Strong Buy

Current: 0.000

Low

17.00

Averages

32.64

High

42.00

Current: 0.000

Low

17.00

Averages

32.64

High

42.00

Goldman Sachs

Buy

maintain

$27 -> $30

2026-01-06

New

Reason

Goldman Sachs

Price Target

$27 -> $30

2026-01-06

New

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.

B. Riley

Buy

initiated

$35

2025-12-11

Reason

B. Riley

Price Target

$35

2025-12-11

initiated

Buy

Reason

B. Riley last night initiated coverage of Chime with a Buy rating and $35 price target, representing 40% potential upside from current levels. The firm says Chime is a profitable, high-growth neobank offering mobile banking services to customers often ignored by traditional banks. The firm says the company "enjoys high growth potential, with well-managed customer acquisition costs and already outstanding gross and transaction margins." Riley sees a "long runway" of growth and meaningful potential upside to Street estimates from new member growth and margin expansion.

B. Riley

NULL -> Buy

initiated

$35

2025-12-10

Reason

B. Riley

Price Target

$35

2025-12-10

initiated

NULL -> Buy

Reason

B. Riley initiated coverage of Chime with a Buy rating and $35 price target.

Piper Sandler

Overweight

downgrade

$35 -> $30

2025-11-06

Reason

Piper Sandler

Price Target

$35 -> $30

2025-11-06

downgrade

Overweight

Reason

Piper Sandler lowered the firm's price target on Chime to $30 from $35 and keeps an Overweight rating on the shares. The firm notes Chime reported a strong Q3 beat with adjusted EBITDA of $29M coming in well above its $14.7M estimate and $12M-$17M guidance range. Two areas of investor concern coming out of Chime's Q2 earnings call in August had been around the declining revenue growth implied by FY25 guidance and stagnant active member growth vs. Q1 and Chime's ability to "widen the funnel" for new customers. Q3 results should help alleviate these concerns as active members grew by 5% quarter-over-quarter to a record 9.1M and the updated Q4 revenue guide implies +21.5% growth exiting the year at the midpoint, Piper adds.

JPMorgan

Overweight

downgrade

$40 -> $34

2025-11-06

Reason

JPMorgan

Price Target

$40 -> $34

2025-11-06

downgrade

Overweight

Reason

JPMorgan lowered the firm's price target on Chime to $34 from $40 and keeps an Overweight rating on the shares post the Q3 report. The company's member growth accelerated and and its margins continue to improve, the analyst tells investors in a research note.

UBS

Timothy Chiodo

Neutral

downgrade

$37 -> $24

2025-11-06

Reason

UBS

Timothy Chiodo

Price Target

$37 -> $24

2025-11-06

downgrade

Neutral

Reason

UBS analyst Timothy Chiodo lowered the firm's price target on Chime to $24 from $37 and keeps a Neutral rating on the shares. The firm updated its model following the Q3 earnings report.

Valuation Metrics

The current forward P/E ratio for Chime Financial Inc (CHYM.O) is 85.16, compared to its 5-year average forward P/E of 7.96. 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.

N/A

5Y Average PE

7.96

Current PE

85.16

Overvalued PE

76.42

Undervalued PE

-60.49

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.

5Y Average EV/EBITDA

55.75

Current EV/EBITDA

35.52

Overvalued EV/EBITDA

94.41

Undervalued EV/EBITDA

17.10

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.

5Y Average PS

3.87

Current PS

3.94

Overvalued PS

4.76

Undervalued PS

2.98

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

Gross Profit Margin - %

N/A

Net Margin - %

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

CHYM News & Events

Events Timeline

No data

News

6.0

01-06Fool

Chime Financial Shares Surge 19% Following Analyst Upgrades and New Product Launch

6.0

01-06NASDAQ.COM

Chime Financial Upgraded to Buy by Goldman Sachs with $27 Price Target

2.0

01-06CNBC

SoFi Shares Plunge Nearly 10% After Bank of America Downgrade

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Frequently Asked Questions

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

The current price of CHYM is 27.76 USD — it has increased 0.22 % in the last trading day.

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

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.

What is the price predicton of CHYM Stock?

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

Chime Financial Inc revenue for the last quarter amounts to 543.52M USD, increased 28.84 % YoY.

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 -0.15 USD, increased 150.00 % YoY.

What changes have occurred in the market's expectations for Chime Financial Inc (CHYM)'s fundamentals?

The market is revising Upward the revenue expectations for Chime Financial, Inc. (CHYM) for FY2025, with the revenue forecasts being adjusted by 0.68% over the past three months. During the same period, the stock price has changed by 41.85%.

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

Chime Financial Inc (CHYM) has 1442 emplpoyees as of January 10 2026.

What is Chime Financial Inc (CHYM) market cap?

Today CHYM has the market capitalization of 10.38B USD.