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...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
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.
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.
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.
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.
Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| 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 |
Insiders are selling one of the top beneficiaries of the AI boom, a software behemoth facing a wave of negative sentiment, and an up-and-coming fintech name. Not only does the recent performance among these names differ significantly, but so do the details of their recent insider sales.
Chime is down from its first-day closing price, but it recently jumped after a strong earnings report. The company announced that it's acquiring Stride Bank, giving it a complete banking system.
Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director James Feuille sold 256,837 shares of Chime Financial stock in a transaction that occurred on Wednesday, September 16th. The stock was sold at an average price of $32.33, for a total value of $8,303,540.21. The sale was disclosed in a legal filing with the Securities and
Arizona State Retirement System acquired a new stake in Chime Financial, Inc. (NASDAQ: CHYM) in the undefined quarter, according to its most recent Form 13F filing with the SEC. The institutional investor acquired 33,786 shares of the company's stock, valued at approximately $692,000. A number of other hedge funds and other institutional investors
Benchmark CHYM against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Chime Financial, Inc. Class A Common Stock (CHYM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.85 | $10.23B | -10.33 | 30.69% | -46.18% | -85.54% | — | |
| $15.84 | $20.32B | 40.62 | 38.32% | 11.4% | 6.18% | — | |
| $339.59 | $4.57B | 25.10 | 59.67% | 34.59% | 84.36% | — | |
| $17.00 | $1.66B | -141.67 | 23.25% | 1.53% | 1.77% | — | |
| $70.43 | $23.46B | 469.53 | 38.8% | 56.52% | 47.91% | — | |
| $5.95 | $511.92M | 6.01 | 13.52% | 18.69% | 30.29% | — |
Chime Financial, Inc. Class A Common Stock (CHYM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Chime Financial, Inc. Class A Common Stock (CHYM) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 5, 2026·SEC
Jun 4, 2026·SEC
May 6, 2026·SEC
Mar 6, 2026·SEC
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Chime Financial, Inc. Class A Common Stock (CHYM) stock FAQ — growth, dividends, profitability & financials explained
Chime Financial, Inc. Class A Common Stock (CHYM) grew revenue by 30.7% over the past year. This is strong growth.
Chime Financial, Inc. Class A Common Stock (CHYM) reported a net loss of $18.2M for fiscal year 2025.
Chime Financial, Inc. Class A Common Stock (CHYM) has a return on equity (ROE) of -85.5%. Negative ROE indicates the company is unprofitable.
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.
