Chime Financial, Inc. (CHYM)
Financials · Consumer fintech / digital banking · Nasdaq
Chime is a technology-enabled fintech platform serving everyday Americans with low-cost, fee-free digital banking products aligned to paycheck-to-paycheck financial needs.
What Chime Financial, Inc. does
Chime is a technology company that partners with FDIC-insured banks (The Bancorp Bank, Stride Bank) to deliver consumer financial products including debit cards, credit cards, short-term liquidity products (SpotMe, MyPay, Instant Loans), and credit-building tools. The company operates an asset-light, digital-first model targeting the 75% of American adults earning up to $100,000 annually, focusing on primary account relationships where Chime serves as members' central financial hub. Revenue is primarily generated through payments-based fees from card network interchange rather than member charges, creating alignment with member interests and resilience to economic cycles since spending is concentrated on non-discretionary expenses like groceries and utilities.
Themes: ["Consumer fintech / digital banking","Primary account relationships / core financial hub","Payments and interchange revenue","Short-term liquidity and lending","Credit building and financial health","Underserved/everyday Americans (sub-$100k income)","Fee-free banking model"]
Fundamentals
- Price$20.92 as of 2026-07-10 close
- Market cap$8.0B as of 2026-07-12
- 1-year return-32.1% as of 2026-07-10 close
- Net margin-41.9% as of 2026-07-12
- Gross margin+88.3% as of 2026-07-12
- ROE-67.9% as of 2026-07-12
- Debt / equity0.00 as of 2026-07-12
- Revenue growth (YoY)+24.8% as of 2026-07-12
- Revenue CAGR (3y)+30.8% SEC XBRL
- Beta1.63 as of 2026-07-12
Key risks (from latest filing)
["Heavy reliance on partnership with FDIC-insured banks (The Bancorp, Stride) for deposit and account infrastructure; any disruption in these relationships or bank regulatory issues could impair operations","Unprofitable operations with -41.87% net margin as of filing date; company is scaling spending ahead of revenue growth and faces pressure to achieve profitability while maintaining member trust through low-fee model","Concentrated customer base in economically sensitive segment (paycheck-to-paycheck earners); economic downturn, job losses, or reduced consumer spending could significantly impact purchase volumes and interchange revenue"]
Fundamentals: Finnhub, as of 2026-07-12. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-10.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.