Chime Financial (CHYM) Stock Price, News & Analysis

Company Overview

Chime Financial operates a digital financial services platform for consumers in the United States. Through its mobile app, the company offers spending and savings accounts, debit cards and tools for managing money. Its products also include credit-building services and features designed to help customers access direct deposits and avoid certain common banking fees.

Founded in 2012 by Chris Britt and Ryan King, Chime is a financial technology company, not a bank. Banking services are provided through partner banks, including The Bancorp Bank, N.A., and Stride Bank, N.A. Chris Britt has served as the company’s chief executive officer.

Key Stats

• Today's Range: $29.04 to $32.08
• 50-Day Range: $26.46 to $34.55
• 52-Week Range: $15.88 to $35.55
• Volume: 8.53 million shs
• Average Volume: 3.68 million shs
• Market Capitalization: $11.86 billion
• P/E Ratio: 164.90
• Dividend Yield: N/A
• Price Target: $39.47
• Consensus Rating: Moderate Buy

Chime Financial Stock Analysis - MarketRank™

Chime Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 254th out of 846 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Chime Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.96, and is based on 3 strong buy ratings, 17 buy ratings, 2 hold ratings, and 1 sell rating.

Upside Potential

Chime Financial has a consensus price target of $39.47, representing about 26.0% upside from its current price of $31.33.

Amount of Analyst Coverage

Chime Financial has been the subject of 18 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 123.40%

Earnings Growth

Earnings for Chime Financial are expected to grow by 123.40% in the coming year, from $0.47 to $1.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Chime Financial is 164.90, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.16.

Price to Earnings Ratio vs. Sector

The P/E ratio of Chime Financial is 164.90, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.42.

Price to Book Value per Share Ratio

Chime Financial has a P/B Ratio of 8.49. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.58% of the float of Chime Financial has been sold short.

Short Interest Ratio / Days to Cover

Chime Financial has a short interest ratio ("days to cover") of 5.77.

Change versus previous month

Short interest in Chime Financial has recently decreased by 2.89%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Chime Financial does not currently pay a dividend.

Dividend Growth

Chime Financial does not have a long track record of dividend growth.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.59

News Sentiment

Chime Financial has a news sentiment score of 0.59. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 29 news articles for Chime Financial this week, compared to 7 articles on an average week.

Search Interest

Only 4 people have searched for CHYM on MarketBeat in the last 30 days. This is a decrease of -43% compared to the previous 30 days.

MarketBeat Follows

5 people have added Chime Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 67% compared to the previous 30 days.

Company Ownership

• Score: 1.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Chime Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $543,320,549.00 in company stock.

Percentage Held by Insiders

12.30% of the stock of Chime Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Chime Financial has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 11/04/2026
• Today: 11/07/2026
• KBW Fintech Ecosystem Conference 2026: 11/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Transaction & Payment Processing Services
• Current Symbol: NASDAQ:CHYM
• Previous Symbol: NASDAQ:CHYM
• CIK: 1795586
• Web: www.chime.com
• Phone: (844) 244-6363
• Fax: N/A
• Employees: 1,519
• Year Founded: 2012

Price Target and Rating

• Average Price Target for Chime Financial: $39.47
• High Price Target: $50.00
• Low Price Target: $27.00
• Potential Upside/Downside: +26.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.96
• Research Coverage: 23 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.07)
• Trailing P/E Ratio: 164.90
• Forward P/E Ratio: 29.84
• P/E Growth: N/A
• Net Income: -$1.01 billion
• Net Margins: 3.05%
• Pretax Margin: -0.70%
• Return on Equity: 6.87%
• Return on Assets: 4.94%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 4.62
• Quick Ratio: 4.62

Sales & Book Value

• Annual Sales: $2.19 billion
• Price / Sales: 5.42
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $3.69 per share
• Price / Book: 8.49

Miscellaneous

• Outstanding Shares: 378,580,000
• Free Float: 332,019,000
• Market Cap: $11.86 billion
• Optionable: Optionable
• Beta: 0.74