Chime Financial, Inc. Class A Common Stock
CHYM · Price history
Price at last available close
$28.47
+$1.78 (+6.67%) 1M
2026-10-28
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Company & revenue
About Chime Financial, Inc. Class A Common Stock
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019.
How they make money
Chime operates a payments-based business model where it primarily generates revenue when members spend using a Chime-branded debit or credit card. Revenue is derived from fees paid via card networks rather than through traditional net interest margin-based banking fees charged to members.
Products & services
Chime provides a suite of financial services including checking and savings accounts, debit cards, credit building products, and employee financial benefits tools through its Chime Workplace platform.
Brands & revenue mix
The primary brand under which the company offers its suite of financial products.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Card Networks — The company relies on card networks to process transactions and facilitate the payments-based revenue model; specific network names are unnamed.Source
Business relationships & partnerships
Strengths
Risks
- Substantial risks and uncertainties associated with forward-looking statementsSource
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 49.0% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
29
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
39
Poor
Financial Strength
32
Business Quality / Moat
48
Management
40
Growth Quality
60
Risk / Durability
6
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
34
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
47/100
Building Historical Record
Model Score 47/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •M&A headline · Sep 18, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for CHYM
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can CHYM maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is CHYM's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is CHYM likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •What specifically needs to improve for CHYM to reach sustainable profitability?
- •What future growth or profitability would be needed to justify CHYM's current valuation?
Essential Investment Snapshot
Wall Street Score
29
Opportunity Score
34
Market Cap
$10.79B
P/E Ratio
-469.8
EPS
$-0.06
52-Week High
$35.55
52-Week Low
$15.88
Beta
0.32
Analyst Target
$40.00
Shares Outstanding
388.2M
Total Revenue
$2.36B
Total Debt
$130.9M
Dividend
No current dividend
Liquidation Value / Share
$3.62
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CHYM
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Sep 18, 2026
33,786 Shares in Chime Financial, Inc. $CHYM Acquired by Arizona State Retirement System — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on CHYM.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Large active member base of 9.5 million.
- +Member-aligned payments-based business model.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Software - Application industry.
- −Substantial risks and uncertainties associated with forward-looking statements.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
29
Sep 14, 2026
Change
+0.2
points
Current Score
29
Oct 1, 2026
Category Changes
CHYM increased 0.2 points because overall fundamentals improved.
Projected Score
Projected Score
28
Projected Change
-0.8 points
Preliminary comparable-period financial changes suggest decline of approximately 0.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$28.50
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $2.36B | $2.19B | $1.67B | $1.28B | ···· |
| Cost of Revenue | $301.2M | $309.0M | $207.5M | $219.7M | ···· |
| Gross Profit | $2.06B | $1.88B | $1.47B | $1.06B | ···· |
| Research & Development | $457.2M | $934.9M | $309.6M | $259.0M | ···· |
| SG&A Expenses | $983.3M | $1.15B | $697.0M | $598.8M | ···· |
| Operating Expenses | $2.11B | $2.92B | $1.53B | $1.29B | ···· |
| EBITDA | -$6.0M | -$979.1M | -$36.8M | -$222.8M | ···· |
| Operating Income | -$51.0M | -$1.04B | -$62.2M | -$235.8M | ···· |
| Interest Expense | $0.00 | $0.00 | $0.00 | $0.00 | ···· |
| Income Before Tax | -$17.2M | -$1.01B | -$22.7M | -$203.0M | ···· |
| Income Tax Expense | $994K | $831K | $2.6M | $234K | ···· |
| Net Income | -$18.2M | -$1.01B | -$25.3M | -$203.2M | ···· |
| Basic EPS | $-0.06 | $-2.67 | $-0.07 | $-0.56 | ···· |
| Basic Shares | 381M | 379M | 364M | 364M | ···· |
| Diluted Shares | 397M | 388M | 364M | 364M | ···· |
Earnings Summary
Revenue
$577.0M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.07
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+49.0%
Cash Change
-38.3%
Margin Change
+179.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, net income margin. Pressure indicators included EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 9.2%. EPS declined 102.8%. Cash declined 38.3%. Total debt increased 49.0%. Net income margin improved by 179.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
14
Smart Money
14
Number of Gurus
2
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · CHYM
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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