Chime Financial (CHYM) Stock Price, News & Analysis

Company Overview

Chime Financial is a U.S.-based financial technology company offering mobile-first banking services designed to reduce fees and simplify everyday transactions. Founded in 2013 and headquartered in San Francisco, Chime operates a digital bank platform that provides customers with a checking account, a savings account, and a debit card without monthly maintenance fees, overdraft charges, or foreign transaction fees. The company’s platform is accessible via its mobile app, enabling users to manage their finances, track spending, and access customer support from their smartphones.

At the core of Chime’s service offering is its fee-free spending account, which includes early access to direct deposit funds—up to two days before scheduled payday—and instant transaction alerts. Chime’s savings account features an automatic round-up program that transfers the spare change from everyday purchases into savings, helping users build a nest egg over time. Additionally, Chime offers a secured credit card product called Credit Builder, which allows members to establish or improve their credit profile by building payment history through controlled spending and regular deposits into a designated account.

Since its public launch in 2014, Chime has expanded its customer base to millions of account holders across all 50 states. The company has attracted backing from leading venture capital firms, supporting platform enhancements and the rollout of new financial tools. Chime continuously invests in product development, cybersecurity measures and partnerships with payment networks to ensure seamless and secure transactions for its users.

Leadership at Chime includes co-founders Chris Britt, who serves as chief executive officer, and Ryan King, who oversees technology development as chief technology officer. With a mission to make banking more accessible and cost-effective, Chime remains focused on serving U.S. customers and exploring new ways to enhance financial wellness through innovative digital solutions.

Key Stats

• Today's Range: $18.01 to $18.59
• 50-Day Range: $17.10 to $30.06
• 52-Week Range: $17.00 to $44.94
• Volume: 365,778 shs
• Average Volume: 3.00 million shs
• Market Capitalization: $6.90 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $36.46
• Consensus Rating: Moderate Buy

CHYM Stock Analysis - Frequently Asked Questions

How have CHYM shares performed this year?

Chime Financial's stock was trading at $34.45 at the start of the year. Since then, CHYM shares have decreased by 46.9% and is now trading at $18.29.

How were Chime Financial's earnings last quarter?

Chime Financial, Inc. (NASDAQ:CHYM) released its earnings results on Thursday, August, 7th. The company reported ($7.29) EPS for the quarter, missing analysts' consensus estimates of ($4.85) by $2.44. The business's revenue was up 37.5% on a year-over-year basis.
Read the conference call transcript.

When did Chime Financial IPO?

Chime Financial (CHYM) raised $864 million in an initial public offering (IPO) on Thursday, June 12th 2025. The company issued 32,000,000 shares at a price of $27.00 per share.

When does the company's lock-up period expire?

Chime Financial's lock-up period expires on Tuesday, December 9th. Chime Financial had issued 32,000,000 shares in its public offering on June 12th. The total size of the offering was $864,000,000 based on an initial share price of $27.00. After the expiration of the company's lock-up period, restrictions preventing major shareholders and company insiders from selling shares in the company will be lifted.

Who are Chime Financial's major shareholders?

Chime Financial's top institutional shareholders include U.S. Capital Wealth Advisors LLC (0.02%), Renaissance Capital LLC (0.01%), Hennessy Advisors Inc. and Diversified Trust Co.

How do I buy shares of Chime Financial?

Shares of CHYM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 8/07/2025
• Today: 10/21/2025
• Next Earnings (Confirmed): 11/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Financial Services
• Industry: Financial Services
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CHYM
• Previous Symbol: NASDAQ:CHYM
• CIK: 1795586
• Web: N/A
• Phone: (844) 244-6363
• Fax: N/A
• Employees: 1,465
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Chime Financial: $36.46
• High Price Target: $40.00
• Low Price Target: $25.00
• Potential Upside/Downside: +99.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.76
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

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

Sales & Book Value

• Annual Sales: $1.67 billion
• Price / Sales: 4.06
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 371,710,000
• Free Float: N/A
• Market Cap: $6.80 billion
• Optionable: N/A
• Beta: N/A