Chime Financial (CHYM)
Financials · consumer fintech · NASDAQ
A digital-first, asset-light financial platform that acts as a central hub for everyday consumer banking and liquidity needs without traditional punitive fees.
What Chime Financial does
Chime is an asset-light technology company that provides consumer financial services through partnerships with FDIC-insured banks. The company offers a digital-first platform for spending, saving, credit-building, and short-term liquidity, primarily generating revenue through interchange fees when members use Chime-branded debit or credit cards. It targets everyday Americans, particularly those earning up to $100,000 annually, by positioning itself as their primary financial relationship hub.
Themes: neobanking / digital banking, payments / interchange revenue, consumer lending / short-term liquidity, financial inclusion, asset-light fintech model
Fundamentals
- Price$30.46 as of 2026-10-20 close
- Market cap$11.5B as of 2026-08-03 (share count; price 2026-10-20)
- 1-year return+66.5% 2025-10-20 close $18.29 → 2026-10-20 close $30.46
- P/E5.67 as of 2026-10-20
- Net margin-46.2% FY2025, SEC XBRL
- Gross margin+88.0% FY2025, SEC XBRL
- ROE-72.1% FY2025, SEC XBRL
- ROICn/a No figure: its pre-tax income was zero or negative, so there is no tax rate to apply.
- Debt / equityn/a No figure: its filing reports debt under a line we do not read, so a total would be understated.
- Revenue growth (YoY)+30.7% FY2025, SEC XBRL
- Revenue CAGR (3y)+30.8% SEC XBRL
- Beta2.16 as of 2026-09-03
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How CHYM compares in its sector
- price-to-earnings ratiobottom 10% 487 covered Financials peers, as of 2026-10-20
- net profit marginbottom 10% 343 covered Financials peers, as of 2026-09-03
- operating marginbottom 10% 121 covered Financials peers, as of 2026-09-03
- gross margintop 10% 31 covered Financials peers, as of 2026-09-03
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
CHYM is not currently in any published Top 10 list. Its scores are below.
Top 10 score
46.7 #846 of 1,265 scored · #151 of 173 in Financials
Growth 90th (3-year revenue CAGR 30.8%, revenue growth year over year 30.7%) and trend 72nd (trading above its 200-day average); weakest is profitability (3rd, return on equity -72.1%, operating margin -47.6%).
Scores as of 20 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Quarterly results
| Quarter | Revenue | Gross profit | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $670M | $595M | $21M | $28M | $0.07 | $207M† | $10M† |
| Q1 FY2026 2026-03-31 | $647M | $580M | $46M | $53M | $0.13 | $87M | $7M |
| Q4 FY2025 2025-12-31 | $596M† | $530M† | -$54M† | -$45M† | $0.83† | $33M† | — |
| Q3 FY2025 2025-09-30 | $544M | $474M | -$65M | -$55M | -$0.15 | $17M† | — |
| Q2 FY2025 2025-06-30 | $528M | $461M | -$931M | -$923M | -$7.29 | $28M† | $2M† |
| Q1 FY2025 2025-03-31 | $519M | $458M | $9M | $13M | $0.00 | -$26M | $2M |
| Q4 FY2024 2024-12-31 | $475M† | $419M† | -$27M† | -$20M† | -$0.30† | $18M† | — |
| Q3 FY2024 2024-09-30 | $422M | $368M | -$31M | -$22M | -$0.34 | -$25M† | — |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$536M
- Short-term investments$527M
- Total debtnot shown the filing reports its long-term debt in a form we do not read yet
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Chime Financial looks technically
Chime Financial (CHYM) is trading 26.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 47 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-09-17, pushing above its recent trading range. Trading volume is unusually light — only about 49% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 26.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +26.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $30.74 | $30.74 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $24.11 | $24.11 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 22 calendar days ago — the swings before that are what the structure reading is measured on | 22 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 47 trading days ago — a "golden cross", a bullish long-term signal | 47 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend) | 20.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30) | 56.3 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($26.17 to $31.07) — its "stochastic" reading is 88 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 87.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.55 | $35.55 |
|---|---|---|
| From the 52-week high | it is 14.3% below its 52-week high (its highest price of the past year) | -14.3% |
| Above the 52-week low | it is 91.8% above its 52-week low (its lowest price of the past year) | +91.8% |
| Below the 52-week high | it is 14.3% below its highest point of the past year | 14.3% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-09-17, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 30 trading days ago | 30 sessions |
| All-time high | its highest closing price on record is $44.94 (set on 2025-06-12) | $44.94 |
| Given back of the 52-week move | over the past year its closes ranged ($16.44 to $34.55), and it has given back roughly a quarter of its rise from last year’s low — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.78 to $23.36. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 22.6% |
| From the all-time high | it is 32.2% below its all-time high | -32.2% |
| Nearest price level | it is trading 6.5% above a support level at $28.48 — a price it turned at twice since 2025-06-23, most recently on 2026-01-09. Since 2025-06-12 it has 6 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -6.5% |
| All-time low | its lowest closing price on record is $15.88 (set on 2026-06-11) | $15.88 |
| Above the all-time low | it is 91.8% above its all-time low | +91.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 74% of it) | 26th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.23 between its high and its low — about 4.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.23 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $25.42 and $31.20 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $25.42 – $28.31 – $31.20 |
| Typical daily range (% of price) | its price moves about 4.0% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.0% |
| Stretch from the 200-day average | it is trading 5.2 daily ranges above its 200-day average price (26.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 49% of its 30-day average | 0.49× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 0.9% since the prior reading | +0.9% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating has improved toward "buy" since the prior reading | 0.09 toward buy |
Candlestick patterns
2
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
|---|---|---|
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-20 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.2% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-10-08 has been "filled" 8 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 8 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.5 percentage points (the stock gained 0.4% while the market gained 1.0%) | -0.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 35.3 percentage points (the stock gained 38.9% while the market gained 3.6%) | +35.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 16.5 percentage points (the stock gained 25.0% while the market gained 8.5%) | +16.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 52.0 percentage points (the stock gained 66.5% while the market gained 14.6%) | +52.0% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thick, spanning 16.3% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 22% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $24.93 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +22.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is under water. That average is $30.96 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -1.6% |
Price levels it has turned at before
CHYM last closed at $30.46 on 2026-10-20. Since 2025-06-12 it has turned at 6 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $28.48 | Support | 6.5% below the last close | turned there twice · 2025-06-23 to 2026-01-09 |
| $27.82 | Support | 8.7% below the last close | turned there twice · 2025-12-11 to 2026-01-28 |
| $24.80 | Support | 18.6% below the last close | turned there four times · 2025-12-31 to 2026-04-21 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading below the 50-day moving average · Broke out to a new 20-day high · beating the market · At the top of its 14-day range (stochastic above 80) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · volume and relative volume
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.35 mean, 1=Strong Buy…5=Strong Sell) — 22 analysts
- Mean price target$39.77 range $31.00 – $50.00; median $40.00
Analyst estimates, as of 2026-10-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Key risks (from latest filing)
["reliance on third-party bank partners to provide banking services and FDIC insurance","dependence on interchange fee revenue driven by member purchase volume","risks associated with offering short-term credit and liquidity products to consumers"]
What changed in the latest 10-Q
AI-assisted comparison of CHYM's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing states Active Members of 10.4 million as of June 30, 2026.
- Newer filing presents key metrics for the three and six months ended June 30, 2026 and 2025, including Purchase Volume of $38,034 million (Q2 2026), $32,430 million (Q2 2025), $76,743 million (six months 2026), and $66,970 million (six months 2025).
- Newer filing presents Active Members of 10.4 million for Q2 2026 and 8.7 million for Q2 2025.
- Newer filing presents Average Revenue per Active Member (ARPAM) of $260 for Q2 2026 and $245 for Q2 2025.
- Newer filing references financial data as of and for the three and six months ended June 30, 2026 and 2025.
- Removed:
- Older filing states Active Members of 10.2 million as of March 31, 2026.
- Older filing presents key metrics for the three months ended March 31, 2026 and 2025, including Purchase Volume of $38,709 million (Q1 2026) and $34,540 million (Q1 2025).
- Older filing presents Active Members of 10.2 million for Q1 2026 and 8.6 million for Q1 2025.
- Older filing presents Average Revenue per Active Member (ARPAM) of $263 for Q1 2026 and $251 for Q1 2025.
- Older filing references financial data as of and for the three months ended March 31, 2026 and 2025.
- Reworded:
- Newer filing includes the phrase '(this “Quarterly Report”)' in the first paragraph; older filing says 'this Quarterly Report on Form 10-Q' and does not include that parenthetical.
- Newer filing changes the reporting period reference from 'three months ended March 31, 2026 and 2025' to 'three and six months ended June 30, 2026 and 2025'.
- Newer filing changes the Active Members as-of date from March 31, 2026 to June 30, 2026 and the figure from 10.2 million to 10.4 million.
- Newer filing changes the key metrics table heading from 'Three Months Ended March 31' to a combined 'Three Months Ended June 30' and 'Six Months Ended June 30' format.
- Newer filing adds a six-month Purchase Volume row to the key metrics table; older filing only had a three-month row.
- Notes:
- The newer filing excerpt appears truncated at the heading 'Non-GAAP Financial Me', so changes after that point could not be assessed.
- The older filing excerpt appears truncated at the heading 'Non-GAAP Financial Measures', so changes after that point could not be assessed.
Risk Factors
- Reworded:
- In the newer filing (filed 2026-08-06), the product name "Chime Plus" appears, whereas the older filing (filed 2026-05-07) states "Chime+" in the same context regarding products available only to members who make qualifying direct deposits.
- In the newer filing (filed 2026-08-06), the risk factor summary bullet on brand states "Our business depends on our strong and trusted brand, and we may fail to maintain and protect our brand", while the older filing (filed 2026-05-07) states "Our business depends on our strong and trusted brand, and we may fail to maintain and protect our brand" with no change identified.
- In the newer filing (filed 2026-08-06), the final sentence in the truncated text ends with "at an efficie", while the older filing (filed 2026-05-07) ends with "at an efficient cost to drive continued"; the newer text appears truncated mid-word.
- Notes:
- The newer filing text appears truncated mid-sentence (ending with "at an efficie"), and the older filing text also appears truncated (ending with "at an efficient cost to drive continued"), so the comparison covers only the text provided.
- The page number in the newer filing is 48, whereas the older filing shows 43; this may reflect formatting/pagination differences rather than a substantive change.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 321 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 30 days · read to 2026-10-160 buys · 2 sells ($1M) — 1 selling insider
- Last 90 days · read to 2026-10-160 buys · 321 sells ($1.2B) — 10 selling insiders
- Last 180 days · read to 2026-10-160 buys · 323 sells ($1.2B) — 10 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-13. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CHYM's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
6 institutional 13F filers reported holding CHYM as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 23,245,752
- Reported value $476,073,000
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about CHYM's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CHYM had 25,929,970 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for CHYM because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 25,929,970
- Prior settlement (shares) 21,252,304
- Reported change 22.01%
- Days to cover (reported) 3.52
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- PayPal (PYPL)
- Block
- SoFi Technologies (SOFI)
- Capital One Financial (COF)
- JPMorgan Chase (JPM)
- Bank of America (BAC)
- Wells Fargo (WFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare CHYM vs…
CHYM ranks in…
Frequently asked questions
What does Chime Financial (CHYM) do?
Chime is an asset-light technology company that provides consumer financial services through partnerships with FDIC-insured banks. The company offers a digital-first platform for spending, saving, credit-building, and short-term liquidity, primarily generating revenue through interchange fees when members use Chime-branded debit or credit cards. It targets everyday Americans, particularly those earning up to $100,000 annually, by positioning itself as their primary financial relationship hub.
What sector is Chime Financial (CHYM) in?
Chime Financial (CHYM) is classified in the Financials sector. Its industry is consumer fintech. It trades on NASDAQ.
Who are Chime Financial's (CHYM) competitors?
Notable peers of Chime Financial (CHYM) include PayPal, Block, SoFi Technologies, Capital One Financial and JPMorgan Chase. This peer set is informational only — not financial advice.
Is Chime Financial (CHYM) overbought or oversold right now?
Chime Financial (CHYM) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 56, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CHYM come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.