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Chime Financial Inc (CHYM)

Featured in High-Momentum Stocks High-Beta Momentum

Chime Financial, Inc. is a financial technology company whose common stock is listed on the NASDAQ under the ticker CHYM. The company provides digital consumer banking and payments solutions in the United States and internationally. Its product set includes spending accounts, debit cards, ATM and cash deposit access, paycheck-related features, outbound instant transfers, and Chime Plus, a fee-free mobile banking experience. Chime also offers liquidity tools such as SpotMe, MyPay, and Instant Loans, along with credit-building products that include the Chime Card, the Credit Builder credit card, and FICO score tracking. In addition, it provides savings and perks features, community-focused tools such as Pay Anyone and SpotMe Boosts, and Chime Workplace, an employee financial services and benefits suite for enterprises. The company was founded in 2012, was formerly known as 1Debit Inc., and is headquartered in San Francisco, California.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NASDAQ-CHYM
$29.80
0.8% Upside
Fair
$39.55
33.7% Upside
Undervalued
Good
0.0%
8.0x
4.6x
11.195 B
10.215 B
1.6%
64.0%
11.8
-1,715.9%
Valuation • Fair Value

Chime Financial Inc (NASDAQ-CHYM) Fair Value by Valuation Model

Review the available estimates for Chime Financial Inc (NASDAQ-CHYM), including DCF Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$29.80

Estimated upside of 0.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$33.86

Discounted cash flow valuation reference.

Comps Fair Value

$25.74

Comparable-company valuation reference.

Analyst Price Target

$39.55

Analysts imply upside of 33.7%.

How to read these valuation models

Use the 5 available valuation references for Chime Financial Inc (NASDAQ-CHYM) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Chime Financial Inc (NASDAQ-CHYM)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

2.457 B

Current operating scale indicator.

Revenue Forecast

2.768 B

Forward revenue estimate.

EBITDA

383.9 M

Current operating profitability reference.

EBITDA Forecast

486 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Chime Financial Inc (NASDAQ-CHYM) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Chime Financial Inc (NASDAQ-CHYM)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

-3.14

No elevated caution signal from this screen.

Altman Z-Score

11.8

Relatively strong balance-sheet zone.

FCF / Net Income

-1,715.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Chime Financial Inc (NASDAQ-CHYM). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Chime Financial Inc (NASDAQ-CHYM)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

The latest data indicates no current dividend yield for Chime Financial Inc (NASDAQ-CHYM). No upcoming dividend amount or event date is currently available.

Stock Forecast • Technical Outlook

Chime Financial Inc (NASDAQ-CHYM) Stock Forecast & Technical Outlook

Review Chime Financial Inc (NASDAQ-CHYM) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Chime Financial Inc (NASDAQ-CHYM) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Chime Financial Inc (NASDAQ-CHYM) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Chime Financial Inc (NASDAQ-CHYM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Chime Financial Inc (NASDAQ-CHYM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Chime Financial Inc (NASDAQ-CHYM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Chime Financial Inc (NASDAQ-CHYM)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Chime Financial Inc (NASDAQ-CHYM) has a Strong Buy consensus, with 16 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 16
Hold 1
Sell 0
FAQ • Fast Investor Answers

Chime Financial Inc (NASDAQ-CHYM) Stock FAQ

Data-supported answers about Chime Financial Inc (NASDAQ-CHYM), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$29.80
Estimated upside 0.8%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
$39.55
Implied upside 33.7%
Financial Health
Good
Current financial-health read

The current fair value estimate for Chime Financial Inc (NASDAQ-CHYM) is $29.80. This implies an estimated upside of 0.8% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The available analyst price target for Chime Financial Inc (NASDAQ-CHYM) is $39.55. The analyst target implies estimated upside of 33.7%.

The current financial health read for Chime Financial Inc (NASDAQ-CHYM) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The latest available data indicates no current dividend yield for Chime Financial Inc (NASDAQ-CHYM).

The current market capitalization listed for Chime Financial Inc is 11.195 B.

The current enterprise value listed for Chime Financial Inc is 10.215 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Chime Financial Inc is NASDAQ-CHYM, and the stock is listed on NASDAQ.

Chime Financial Inc (NASDAQ-CHYM) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Chime Financial Inc is 1.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Chime Financial Inc is 64.0%. Free float helps investors understand how much of the share base is available for public trading.

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