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CHYM

Chime Financial, Inc. Class A Common Stock

CHYM

NASDAQ·Financial Services·Banks - Regional·Mkt cap $8.0B

$20.87

-0.67%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$15.88 - $38.67

P/E

-7.97

Fwd P/E

68.88

Beta

0.76

Div Yield

0.00%

Avg Vol

4.9M

Shares Out

384.1M

Mkt Cap

$8.0B

Price action

Price chart

Down 30.0% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Zero-fee banking model eliminating customer friction
  • Mobile-first platform with superior user experience
  • Strategic FDIC-insured bank partnerships reducing regulatory burden
  • Large engaged user base with strong retention metrics

Bear Case

2 risks

  • Low volatility (beta 0.8).
  • Extreme premium - high expectations embedded

Growth

Turning profitable

Expanding addressable market of underbanked consumers

Value

Extreme premium - high expectations embedded

Momentum

Strong

+9.2% over 3m

Quality

Excellent

Strong fundamentals

Dividend

None

No dividend

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Aug 6, 2026

Q2 26 RECAP

MAY 6, 2026

Reported EPS of $0.13 vs $0.03 consensus (+333.3% surprise). Revenue of $647.4M vs $635.7M expected (+1.8%). Beat on both top and bottom lines.

EPS beat +333.3%
Rev beat +1.8%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+333.3%

Next: Aug 6, 2026

Revenue trend · last 8Q

+32%

+37%

+29%

+25%

+25%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$384.2M

$421.9M

$475.2M

$518.7M

$528.1M

$543.5M

$596.4M

$647.4M

Margins · last 8Q

Gross

Operating

Profit

8.3%

Wall Street consensus

5 analysts · 80% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

4

80%

Hold

1

20%

Sell

0%

Median Price Target

$30.50

+46.1% vs $20.87

Low $30.00
Median $30.50
High $31.00

Latest: Canaccord · May 11, 2026

2 analysts covering

vs Industry

How CHYM stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.