CHYM trades 46.4% below Wall Street's consensus target of $39.31.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CHYM achieves its forward estimates and maintains a stable P/E multiple of 58.6x. This scenario reflects the blended consensus of 17 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of October 3, 2026, Chime Financial, Inc. Class A Common Stock (CHYM) has a Wall Street consensus price target of $39.31, based on estimates from 17 covering analysts. With the stock currently trading at $26.84, this represents a potential upside of +46.4%. The company has a market capitalization of $10.23B.
Analyst price targets range from a low of $28.00 to a high of $50.00, representing a 56% spread in expectations. The median target of $40.00 aligns closely with the consensus average. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Buy, with 16 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, CHYM trades at a trailing P/E of -10.3x and forward P/E of 58.6x. Analysts expect EPS to grow +1100.7% over the next year.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 SOFISoFi Technologies, Inc. | $20.3B | $15.84 | $21.58 | +36.2% | Hold | 26.8x | 27 |
 DAVEDave Inc. | $4.6B | $339.59 | $436.75 | +28.6% | Buy | 25.3x | 13 |
 MQMarqeta, Inc. | $1.7B | $17.00 | $11.38 | -33.1% | Hold | 76.5x | 22 |
 AFRMAffirm Holdings, Inc. | $23.5B | $70.43 | $96.42 | +36.9% | Buy | 56.7x | 37 |
 OPFIOppFi Inc. | $512M | $5.95 | $10.25 | +72.3% | Buy | 4.2x | 6 |
 PYPLPayPal Holdings, Inc. | $46.8B | $53.06 | $56.47 | +6.4% | Hold | 9.8x | 70 |
 GPNGlobal Payments Inc. | $19.9B | $80.29 | $101.93 | +27.0% | Buy | 5.9x | 63 |
 NRDSNerdWallet, Inc. | $624M | $8.57 | $13.33 | +55.5% | Buy | 9.7x | 6 |
 LMNDLemonade, Inc. | $3.6B | $46.76 | $69.00 | +47.6% | Buy | — | 15 |
 UPSTUpstart Holdings, Inc. | $2.2B | $22.95 | $39.25 | +71.0% | Buy | 33.9x | 22 |
Quick answers to the most common questions about buying CHYM stock.
The consensus Wall Street price target for CHYM is $39.31, representing 46.4% upside from the current price of $26.845. With 17 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
CHYM has a consensus rating of "Buy" based on 17 Wall Street analysts. The rating breakdown is predominantly bullish, with 16 Buy/Strong Buy ratings. The consensus 12-month price target of $39.31 implies 46.4% upside from current levels.
At a forward P/E of 58.5752x, CHYM trades at a premium valuation. The consensus price target of $39.31 (46.4% upside) suggests analysts still see growth justifying the multiple.
The most bullish Wall Street analyst has a price target of $50 for CHYM, while the most conservative target is $28. The consensus of $39.31 represents the median expectation. These targets typically reflect 12-month expectations.
CHYM is well covered by analysts, with 17 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 16 have Buy ratings, 1 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CHYM stock forecast based on 17 Wall Street analysts shows a consensus price target of $39.31, with estimates ranging from $28 (bear case) to $50 (bull case). The median consensus rating is "Buy".
CHYM trades at a forward P/E ratio of 58.6x based on next-twelve-months earnings estimates. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on CHYM, with a "Buy" consensus rating and $39.31 price target (46.4% upside). 16 of 17 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CHYM analyst price targets range from $28 to $50, a 56% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $39.31 consensus represents the middle ground.
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