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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
17.405
Open
17.290
VWAP
16.83
Vol
3.77M
Mkt Cap
6.36B
Low
16.390
Amount
63.51M
EV/EBITDA(TTM)
--
Total Shares
381.02M
EV
5.38B
EV/OCF(TTM)
32.43
P/S(TTM)
2.30
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.
Show More

Events Timeline

(ET)
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
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

News

Fool
6.5
06-09Fool
Ally vs. Chime: A Comparison for Investors
  • Ally Financial Overview: In FY 2025, Ally Financial reported nearly $7.9 billion in revenue, a 7% decline year-over-year, yet achieved a net income of approximately $852 million, with a net margin improvement to 7.0%, indicating a focus on profitability despite top-line contraction.
  • Chime's Growth Potential: Chime Financial reached nearly $2.2 billion in revenue for FY 2025, marking a 30.7% increase, although it reported a net loss of close to $1 billion, resulting in a negative net margin of approximately 46.2%, reflecting its prioritization of rapid market share growth over immediate profitability.
  • Risk Analysis: Ally faces significant risks including regulatory scrutiny and high customer concentration, particularly with General Motors and Stellantis, which could impact its loan performance; conversely, Chime's reliance on partnerships with Bancorp and Stride Bank poses a risk, as losing these relationships would severely disrupt its business model.
  • Investment Outlook: While Ally's low P/E ratio and 2.8% dividend yield, alongside a 17% stock price increase over the past five years, make it attractive, its dependence on automotive giants presents risks; Chime, having achieved its first quarter of profitability in Q1 2026 and raised its full-year guidance, shows potential for recovery.
NASDAQ.COM
8.5
06-09NASDAQ.COM
Competitive Landscape in Automotive Financing Market
  • Market Dominance: Ally Financial boasts over 11 million customers in the automotive financing sector, with FY 2025 revenue nearing $7.9 billion, reflecting a 7% year-over-year decline; however, net income reached approximately $852 million, improving net margin to 7%, indicating a focus on profitability amid revenue contraction.
  • Customer Concentration Risk: Ally's financing heavily relies on General Motors and Stellantis, with GM dealers accounting for 34% of inventory financing and 24% of consumer automotive financing in 2025, which adds a layer of risk to its business, especially in a shifting interest rate environment.
  • Chime's Growth Potential: Chime Financial achieved approximately 30.7% revenue growth in FY 2025, reaching nearly $2.2 billion, despite reporting a net loss of close to $1 billion, leading to a negative net margin of 46.2%, indicating a strategic focus on market share and member acquisition.
  • Liquidity and Financial Health: Chime's debt-to-equity ratio stands at 0.1 with a current ratio of 4.5, showcasing strong short-term liquidity, while Ally's debt-to-equity ratio is 1.4 and current ratio is 0.9, indicating some pressure on its short-term debt repayment capabilities.
Newsfilter
8.5
05-29Newsfilter
Chime and Invest America Launch Wealth Education Initiative
  • Wealth Education Initiative: Chime and Invest America launched the Compound Combine event in Jersey City, New Jersey, aimed at helping families understand the importance of wealth accumulation through financial education, thereby enhancing economic opportunities and financial mobility.
  • Promotion of Trump Accounts: The event introduced Trump Accounts, a tax-advantaged individual retirement account for children under 18, designed to help them build long-term savings, with nearly 6 million children already enrolled, showcasing strong public-private partnership potential.
  • Community Engagement and Impact: Chime has facilitated the opening of approximately 130,000 Trump Accounts for families, indicating its active role in promoting financial education and participation, further solidifying its position as a trusted fintech company.
  • National Expansion Plans: This event marks the launch of the Compound Combine series, with Chime planning to promote wealth education curricula nationwide, aiming to provide financial education to 10 million people by 2027, ensuring families continue to engage in wealth-building after the events.
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.
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 27.55, compared to its 5-year average forward P/E of 30.37. 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
30.37
Current PE
27.55
Overvalued PE
92.13
Undervalued PE
-31.38

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
31.48
Current EV/EBITDA
8.78
Overvalued EV/EBITDA
70.92
Undervalued EV/EBITDA
-7.95

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
3.26
Current PS
2.08
Overvalued PS
4.23
Undervalued PS
2.29

Financials

AI Analysis
Annual
Quarterly

Whales Holding CHYM

S
SoftBank Group Corp.
Holding
CHYM
+180.32%
3M Return
M
Mubadala Investment Company PJSC
Holding
CHYM
+82.81%
3M Return
A
Atreides Management, LP
Holding
CHYM
+39.54%
3M Return
W
Whale Rock Capital Management LLC
Holding
CHYM
+35.22%
3M Return
P
Patient Capital Management, LLC
Holding
CHYM
+15.19%
3M Return
D
Davis Selected Advisers LP
Holding
CHYM
+14.55%
3M Return

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Frequently Asked Questions

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

The current price of CHYM is 16.7 USD — it has decreased -3.19

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 June 17 2026.

What is Chime Financial Inc (CHYM) market cap?

Today CHYM has the market capitalization of 6.36B USD.