Chime Financial, Inc. Class A Common Stock

CHYM

NASDAQ · Regional Banks

$29.57

At close - Oct 23, 4:00 PM EDT - USD

Market Cap$11.27B

P/E-11.4x

52W High$35.55

Volume2.03M

VCP Research Verdict2026Q2

Interchange-Driven Growth Nears GAAP Profitability Inflection

Chime's revenue model, entirely fee-based with no net interest income, drove 30.7% year-over-year revenue growth to $577.0M in Q2 2026, yet operating margins remain deeply negative at -47.6%, indicating a blitzscaling phase. The company achieved its second con...

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MARKET ACTION

CHYM price & volume

Price trend, volume and key moving averages

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Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis

Fundamental Trajectory

Revenue growth accelerated 30.7% year-over-year to $577.0M in Q2 2026, but operating margin remained deeply negative at -47.6%, despite a second consecutive quarter of GAAP net income of $27.9M.

Analyst Consensus+31.7% target

Buy(18 analysts)

17 Buy1 Hold0 Sell

The Bull Case

Upside Catalysts

Rapid Revenue and Member Growth

Chime's revenue surged 31% YoY in 2025 to $2.2 B, while its active member base grew 19% YoY to 9.5 M in Q4 2025. The company’s membership has expanded to over 8 M with a 21% CAGR over the past two years, accelerating to 23% in Q2.

Proprietary Technology & AI Edge

Chime’s in‑house ChimeCore transaction processing core and ledger cuts costs and accelerates product innovation, giving it a significant cost advantage over traditional banks. The firm also leverages AI across member support and internal operations to enhance efficiency.

Robust Margins and Cash Position

Chime enjoys an 88% gross margin and has expanded its adjusted EBITDA margin to 5.3%. With a net cash balance of $991 M and a clear path to GAAP profitability in 2026, the company’s financial footing is strong.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 10/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

CHYM+12.01%

S&P 500 (^GSPC)+11.24%

1-Year Return

CHYM+62.65%

S&P 500 (^GSPC)+13.13%

3-Year Return

CHYM-20.32%

S&P 500 (^GSPC)+78.03%

5-Year Return

CHYM-20.32%

S&P 500 (^GSPC)+64.00%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E

-11.4x

Forward P/E

64.3x

EV/EBITDA

N/A

FCF YieldCash Flow

0.3%

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

-11.4x

N/A

EV/EBITDA

N/A

Price/FCF

342.5x

297.0x

100th· High

Current Multiple

5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection

Bear$1.00-96.6%

Base (Fair)$1.85-93.7%

Bull$2.80-90.5%

$1.00 Bear$1.85 Base$2.80 Bull

Current Market Price: $29.57

Trades at a 1498.4% premium to Base DCF ($1.85)

Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend

Revenue

$2.19B+30.7% YoY

Net income

-$1.01B-3884.9% YoY

Free cash flow

$33M-33.8% YoY

Operating margin

-47.6%-43.8 pts YoY

ROIC (TTM)-60.2%

Avg ROIC 5Y-

ROE (TTM)-85.5%

Piotroski Score3 / 9

Financial Statements →

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History

EPS Beat Rate4/11 (80%)

Revenue Beat Rate5/11 (100%)

Quarter	EPS (Act vs Est)	Revenue (Act vs Est)
Q3 2026Latest Aug 5, 2026	$0.07+5123.9% vs $0.00	$670M+4.4% vs $641M
Q2 2026 May 6, 2026	$0.13+333.3% vs $0.03	$647M+1.8% vs $636M
Q1 2026 Feb 25, 2026	-$0.12+40.0% vs -$0.20	$596M+3.4% vs $577M
Q4 2025 Nov 5, 2025	-$0.15+38.4% vs -$0.24	$544M+2.3% vs $531M

Historical baseline: 11 quarters analyzedGAAP / Adjusted

MARKET COVERAGE

Latest News

5 Stories

Business Wire·Oct 14, 2026

Chime to Announce Third Quarter 2026 Financial Results on November 4, 2026

SAN FRANCISCO--(BUSINESS WIRE)--Chime® (Nasdaq: CHYM) will release financial results for the third quarter 2026 on November 4, 2026 after market close. Chime will hold a conference call to discuss the results at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) on the same day. A live webcast of the earnings conference call will be accessible on the Events & Presentations section of Chime's Investor Relations website at investors.chime.com. A replay will be available on the website following.

Zacks Investment Research·Oct 9, 2026

SoFi vs. Chime: Which Fintech Stock is the Better Buy Right Now?

SoFi and Chime offer contrasting fintech growth strategies, with improving profitability, expanding services and valuations shaping their investment appeal.

247 Wallst·Oct 8, 2026

Here Are Thursday’s Top Wall Street Analyst Research Calls: CAVA Group, Constellation Brands, Goldman Sachs Group, Hub Spot, Hut 8, Paladin Technologies, NXP Semiconductor, Spotify Technology, Tyler Technologies, and More

Rising yields and oil prices crushed the rally before Thursday's open, and now Wall Street analysts are reshuffling their bets on everything from crypto miners to restaurant chains ahead of earnings season. Find out which names got upgraded, cut, or initiated with fresh price targets today.

Zacks Investment Research·Oct 7, 2026

3 Stocks With 100%+ Projected Q3 Earnings Growth to Buy Before Results

CHYM, MQ and KRO are projected to post triple-digit Q3 earnings growth, with rising estimates and strong prior-quarter surprises.

Filtered for Chime Financial, Inc. Class A Common StockMore Headlines

Compare before deciding

Benchmark CHYM against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Chime Financial, Inc. Class A Common Stock (CHYM)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
CHYMChime Financial, Inc. Class A Common StockCurrent	$29.57	$11.27B	-11.37	30.69%	-46.18%	-85.54%	—
SOFISoFi Technologies, Inc.	$14.62	$18.75B	37.47	38.32%	11.4%	6.18%	—
DAVEDave Inc.	$354.60	$4.77B	26.21	59.67%	34.59%	84.36%	—
MQMarqeta, Inc.	$18.85	$1.84B	-157.08	23.25%	1.53%	1.77%	—
AFRMAffirm Holdings, Inc.	$70.08	$23.34B	467.20	38.8%	56.52%	47.91%	—
OPFIOppFi Inc.	$5.42	$466.32M	5.47	13.52%	18.69%	30.29%	—

Compare CHYM vs Peers

Chime Financial, Inc. Class A Common Stock (CHYM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SOFI

Most directly comparable listed peer for CHYM.

Scale Benchmark

vs V

Larger-name benchmark to compare CHYM against a more recognizable public peer.

Peer Set

Compare Top 5

vs SOFI, DAVE, MQ, AFRM

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CHYM SEC Filings & Documents

Chime Financial, Inc. Class A Common Stock (CHYM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Aug 5, 2026·SEC

Material company update

Jun 4, 2026·SEC

Material company update

May 6, 2026·SEC

10-K Annual Reports

FY 2026

Mar 6, 2026·SEC

10-Q Quarterly Reports

FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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CHYM Frequently Asked Questions

Chime Financial, Inc. Class A Common Stock (CHYM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Chime Financial, Inc. Class A Common Stock growing?

Chime Financial, Inc. Class A Common Stock (CHYM) grew revenue by 30.7% over the past year. This is strong growth.

Is CHYM profitable?

Chime Financial, Inc. Class A Common Stock (CHYM) reported a net loss of $18.2M for fiscal year 2025.

Dividend & Returns

What is CHYM's return on equity?

Chime Financial, Inc. Class A Common Stock (CHYM) has a return on equity (ROE) of -85.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

What is Chime Financial, Inc. Class A Common Stock's efficiency ratio?

Chime Financial, Inc. Class A Common Stock (CHYM) has an efficiency ratio of 133.4%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in CHYM back in 2022?

Total return calculator · dividends reinvested · 4+ years of data

See returns →

Quarter

EPS (Act vs Est)

Revenue (Act vs Est)

Q3 2026Latest

Aug 5, 2026

$0.07+5123.9%

vs $0.00

$670M+4.4%

vs $641M

Q2 2026

May 6, 2026

$0.13+333.3%

vs $0.03

$647M+1.8%

vs $636M

Q1 2026

Feb 25, 2026

-$0.12+40.0%

vs -$0.20

$596M+3.4%

vs $577M

Q4 2025

Nov 5, 2025

-$0.15+38.4%

vs -$0.24

$544M+2.3%

vs $531M

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

CHYMChime Financial, Inc. Class A Common StockCurrent

$29.57

$11.27B

-11.37

30.69%

-46.18%

-85.54%

—

SOFISoFi Technologies, Inc.

$14.62

$18.75B

37.47

38.32%

11.4%

6.18%

—

DAVEDave Inc.

$354.60

$4.77B

26.21

59.67%

34.59%

84.36%

—

MQMarqeta, Inc.

$18.85

$1.84B

-157.08

23.25%

1.53%

1.77%

—

AFRMAffirm Holdings, Inc.

$70.08

$23.34B

467.20

38.8%

56.52%

47.91%

—

OPFIOppFi Inc.

$5.42

$466.32M

5.47

13.52%

18.69%

30.29%

—