CHYM

Company Overview — What Does Chime Financial, Inc. Do?

We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests. So we set out to create a new approach, built on a foundation of trust rather than fine print and punitive fees. Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees. Since our founding, we are proud to have created some of the most impactful product innovations in consumer banking and payments. Through our broad suite of products, we have built trusted relationships with 8.6 million Active Members, with 67% of them relying on Chime to serve as their primary financial relationship as of March 31, 2025(1).1 Being the primary account relationship for our members establishes Chime as their central financial hub, and we believe these relationships are the most valuable in consumer financial services. As the central hub, Chime becomes the platform through which members consistently deposit their paychecks and conduct their everyday spend, creating durable and long-lasting relationships with high engagement. In the first quarter of 2025, our Active Members used Chime for 54 transactions per month, on average, of which 75% were purchase transactions using Chime-branded debit and credit cards(2). Seventy percent of purchase transactions are for non-discretionary expenses made in categories such as food and groceries, gas, and utilities(3). We also have high member satisfaction with 75% of Chime members saying they will be Chime members for life(4). Among adults earning up to $100,000 annually, we have been the top brand for people establishing new, or switching existing, direct deposit relationships, according to a 2024 survey.(5) Our proprietary technology platform and our digital-first approach give us both a radical cost-to-serve advantage and greater innovation velocity compared to traditional banks. We believe these advantages will improve over the long term as we continue to scale. This structural advantage is complemented with a payments-based business model that is aligned with our members: we primarily generate revenue when members spend using a Chime-branded debit or credit card, based on fees paid via the card networks, rather than fees paid to us by our members. Recurring paycheck deposits through our platform also provide us with an advantage to offer our members access to valuable, short-term credit and liquidity products at scale given the privileged repayment position for such products. We are bold in our ambition to build a generational consumer brand that empowers everyday Americans to make progress in their financial journeys. While traditional banks focus on serving people with the largest deposits and highest credit scores, we will continue to raise the bar in financial services for everyday people. In 2024, Time Magazine published its World’s Best Brand survey, which identified Chime among the top five brands in the banking category in America. We believe we are setting a new standard in consumer financial services built on free or low-cost, innovative products and a member-obsessed philosophy. We are just getting started. Our mission is to unite everyday people to unlock their financial progress. (1) We define a primary financial relationship or primary account relationship as a relationship with a member who made 15 or more purchases using their Chime-branded debit or credit cards in the past calendar month or who had at least one qualifying direct deposit of $200 or more through Chime in the past calendar month. A qualifying direct deposit is a deposit by Automated Clearing House (“ACH”) that comes from a member’s employer, payroll provider, gig economy payer, or benefits payer, or a deposit by Original Credit Transaction from a member’s gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds, and other similar transactions are not qualifying direct deposits. (2) Transactions include, but are not limited to, purchases with Chime-branded debit or credit cards (collectively, “purchase transactions”), funding a member account, withdrawing funds from an ATM, sending or receiving funds with Pay Anyone, taking a MyPay advance, or other money movement transactions. (3) Based on Purchase Volume for the year ended March 31, 2025 categorized by merchant category. (4) Based on a Chime survey conducted in July 2024 of members who direct deposit through Chime (the “Chime Financial Progress Survey”). (5) Based on a Chime commissioned third-party survey conducted in July 2024 targeting Americans aged 18 to 54 years with a household income up to $100,000 who opened or switched to a new direct deposit account in the preceding 12-month period (the “Banking and Switcher Survey”). Our principal executive offices are located in San Francisco, California. Chime Financial, Inc. (CHYM) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Christopher Britt and employs approximately 1,465 people, headquartered in SAN FRANCISCO, California. With a market capitalization of $7.2B, CHYM is one of the notable companies in the Financials sector.

Chime Financial, Inc. (CHYM) Stock Rating — Avoid (April 2026)

As of April 2026, Chime Financial, Inc. receives a Avoid rating with a composite score of 28.8/100 and 1 out of 5 stars from the Blank Capital Research quantitative model.CHYM ranks #4,146 out of 4,446 stocks in our coverage universe. Within the Financials sector, Chime Financial, Inc. ranks #869 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CHYM Stock Price and 52-Week Range

Chime Financial, Inc. (CHYM) currently trades at $19.55. The stock lost $0.24 (1.2%) in the most recent trading session. The 52-week high for CHYM is $44.94, which means the stock is currently trading -56.5% from its annual peak. The 52-week low is $16.17, putting the stock 20.9% above its annual trough. Recent trading volume was 2.6M shares, reflecting moderate market activity.

Is CHYM Overvalued or Undervalued? — Valuation Analysis

Chime Financial, Inc. (CHYM) carries a value factor score of 21/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 5.24x, versus the sector average of 1.22x. The price-to-sales ratio is 0.84x, compared to 0.90x for the average Financials stock.

At current multiples, Chime Financial, Inc. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Chime Financial, Inc. Profitability — ROE, Margins, and Quality Score

Chime Financial, Inc. (CHYM) earns a quality factor score of 33/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -288.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -205.6% versus the sector average of 1.2%.

On a margin basis, Chime Financial, Inc. reports gross margins of 88.0%. The operating margin is -47.6% (sector: 21.8%). Net profit margin stands at -46.2%, versus 17.7% for the average Financials stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CHYM Debt, Balance Sheet, and Financial Health

Chime Financial, Inc. has a debt-to-equity ratio of 40.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 4.53x, indicating strong short-term liquidity. Total debt on the balance sheet is $126M. Cash and equivalents stand at $445M.

CHYM has a beta of 2.36, meaning it is more volatile than the broader market — a $10,000 investment in CHYM would be expected to move 136.1% more than the S&P 500 on any given day. The stability factor score for Chime Financial, Inc. is 30/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Chime Financial, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Chime Financial, Inc. reported revenue of $2.19B and earnings per share (EPS) of $-4.27. Net income for the quarter was $-1.01B. Gross margin was 88.0%. Operating income came in at $-1.04B.

In FY 2025, Chime Financial, Inc. reported revenue of $2.19B and earnings per share (EPS) of $-4.27. Net income for the quarter was $-1.01B. Gross margin was 88.0%. Operating income came in at $-1.04B.

In Q3 2025, Chime Financial, Inc. reported revenue of $544M and earnings per share (EPS) of $-0.15. Net income for the quarter was $-55M. Gross margin was 87.2%. Operating income came in at $-65M.

In Q2 2025, Chime Financial, Inc. reported revenue of $528M and earnings per share (EPS) of $-7.29. Net income for the quarter was $-923M. Gross margin was 87.3%. Operating income came in at $-931M.

Over the past 4 quarters, Chime Financial, Inc. has demonstrated a growth trajectory, with revenue expanding from $528M to $2.19B. Investors analyzing CHYM stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CHYM Dividend Yield and Income Analysis

Chime Financial, Inc. (CHYM) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

CHYM Momentum and Technical Analysis Profile

Chime Financial, Inc. (CHYM) has a momentum factor score of 26/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 36/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

CHYM vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Chime Financial, Inc. (CHYM) ranks #869 out of 891 stocks based on the Blank Capital composite score. This places CHYM in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing CHYM against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CHYM vs S&P 500 (SPY) comparison to assess how Chime Financial, Inc. stacks up against the broader market across all factor dimensions.

CHYM Next Earnings Date

No upcoming earnings date has been announced for Chime Financial, Inc. (CHYM) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CHYM? — Investment Thesis Summary

The quantitative profile for Chime Financial, Inc. suggests caution. The quality score of 33/100 flags below-average profitability. The value score of 21/100 indicates premium valuation. Momentum is weak at 26/100, a headwind for near-term performance. High volatility (stability score 30/100) increases portfolio risk.

In summary, Chime Financial, Inc. (CHYM) earns a Avoid rating with a composite score of 28.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CHYM stock.

Related Resources for CHYM Investors

Explore more research and tools: CHYM vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CHYM head-to-head with peers: CHYM vs WTM, CHYM vs OPY, CHYM vs ACT.