Chime Financial/$CHYM
Chime shares rise as Evercore ISI reiterates its Outperform view ahead of Q3 results, citing consumer spending, product momentum and the expanded Workday direct-deposit partnership.
13 hours agoLightyear AI
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Capital at risk
About Chime Financial
Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks. The company offers various financial products and services designed to meet members' financial needs, including spending accounts, liquidity solutions, credit-building tools, savings products, and community-focused financial services.
- Ticker
- $CHYM
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,519
- Headquarters
- San Francisco, United States
- Website
- www.chime.com
Chime Financial Metrics
BasicAdvanced
$11B
-
-$0.05
-
-
Price and volume
Market cap
$11B
52-week high
$35.55
52-week low
$15.88
Average daily volume
3.7M
Financial strength
Current ratio
4.621
Quick ratio
3.741
Long term debt to equity
0.119
Total debt to equity
0.129
Profitability
EBITDA (TTM)
383.883
Gross margin (TTM)
88.71%
Net profit margin (TTM)
-0.74%
Operating margin (TTM)
15.21%
Effective tax rate (TTM)
-5.78%
Revenue per employee (TTM)
$1,620,000
Management effectiveness
Return on assets (TTM)
11.98%
Return on equity (TTM)
-1.28%
Valuation
Price to revenue (TTM)
4.601
Price to book
8.05
Price to tangible book (TTM)
8.21
Price to free cash flow (TTM)
36.593
Free cash flow yield (TTM)
2.73%
Free cash flow per share (TTM)
0.816
Growth
Revenue change (TTM)
26.39%
Earnings per share change (TTM)
-99.55%
What the Analysts think about Chime Financial
Analyst ratings (Buy, Hold, Sell) for Chime Financial stock.
Analyst projections of the future price of Chime Financial stock.
Bulls say / Bears say
Chime Prime appears to be improving member quality as well as scale: active members rose 20% and revenue per active member rose 6% year on year in Q2. Prime members generated more than twice the revenue of the average active member, suggesting room to deepen customer relationships. (SEC)
The lending business is gaining traction: MyPay transaction profit more than tripled year on year in Q2, while Instant Loan originations rose nearly 70% from the prior quarter. These products could add growth beyond card payments if Chime sustains the reported loss performance. (SEC)
Chime’s planned Stride acquisition could bring more control, but also adds regulatory and execution risk. Investors are watching whether it can keep the bank below the $10 billion asset threshold tied to debit interchange rules, and the deal still needs regulatory approval. (Investing.com)
Profitability may remain uneven: ahead of its Q3 results, analysts expected a loss after Q2’s profit. One cautious analyst also said earnings beats were getting smaller, raising questions about how reliably growth will translate into profits. (Investing.com)
Valuation leaves less room for disappointment. A recent neutral analyst case put fair value only slightly above the share price, citing limited upside in its base case and a high price-to-book multiple. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2026.
Chime Financial Financial Performance
Revenues and expenses
Upcoming events
No upcoming events
Chime Financial News
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Funds containing Chime Financial
AllUSDEURGBP
Fund name | Fund size | $CHYM weighting |
|---|---|---|
iShares Digitalisation$DGTL | $761M | 0.34% |
iShares Digitalisation£DGIT | $813M | 0.34% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.04% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.04% |
Xtrackers MSCI World Small Cap$XSWC | $183M | 0.04% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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