Chime Financial, Inc. (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, Inc. 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$33.15 as of 2026-08-26 close
- Market cap$12.2B as of 2026-08-26
- 1-year return+22.2% 2025-08-26 close $27.12 → 2026-08-26 close $33.15
- P/En/a negative earnings
- Net margin-0.7% as of 2026-08-26
- Gross margin+88.7% as of 2026-08-26
- ROE-1.3% as of 2026-08-26
- Debt / equity0.00 as of 2026-08-26
- Revenue growth (YoY)+30.7% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+30.8% SEC XBRL
- Beta2.21 as of 2026-08-26
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How CHYM compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-26
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-26
- gross margintop 25% 176 covered Financials peers, as of 2026-08-26
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-26
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 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 in the Financials Short-term Top 10.
Financials Short-term Top 10 — since 18 Aug 2026
Long-term score
53.0 #623 of 1,608 scored · #182 of 247 in Financials
Growth 91st (3-year revenue CAGR 30.8%) and long-term trend 77th (a strong uptrend, with buyers in control); weakest is profitability (14th, operating margin -2.1%, return on equity -1.3%).
Short-term score
58.7 #252 of 1,696 scored · #36 of 275 in Financials
Trend 83rd: it is trading 38.3% above its 50-day average, the short-term trend line; catalysts 70th: analysts have raised their average price target by 2.9% since the prior reading; weakest is setup 15th: no Elliott-wave labelling currently fits its swings. Its short interest was not measured, so no short-interest deduction applies.
In this list since 18 Aug 2026 — currently 7th in the list (7 days)
- Entered 18 Aug 2026: first selection for this list at rank 1, score 72.6.
- Held its place at 1 rebalance on 24 Aug 2026.
Left this list on 24 Aug 2026
- Left 24 Aug 2026: score 66.3, rank 29 (not compared with 18 Aug 2026 — those rows were scored under method version 1, this pass under 3, and the formula changed between them, so a score is only comparable within one version) (a member leaves above rank 15).
- Entered 18 Aug 2026: first selection for this list at rank 1, score 72.6.
Scores as of 25 Aug 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 3.
How Chime Financial, Inc. looks technically
Chime Financial, Inc. (CHYM) is trading 48.5% 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 9 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 50, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 73, in overbought territory (above 70). MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative). It just made a new 20-day high, its first since 2025-08-07, pushing above its recent trading range. It is 1.7% below its 52-week high (its highest price of the past year).
Trend
9
| Distance from the 200-day | it is trading 48.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +48.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $24.25 | $24.25 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $22.32 | $22.32 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 30.3784. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 9 trading days ago — a "golden cross", a bullish long-term signal | 9 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 48.5% above | +48.5% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 50, with buyers in control | 49.5 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 73, in overbought territory (above 70) | 72.5 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($28.74 to $33.74) — 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 slipping within that range over the last few sessions. | 88.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $33.74 | $33.74 |
|---|---|---|
| From the 52-week high | it is 1.7% below its 52-week high (its highest price of the past year) | -1.8% |
| Above the 52-week low | it is 108.8% above its 52-week low (its lowest price of the past year) | +108.8% |
| Below the 52-week high | it is 1.7% below its highest point of the past year | 1.8% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2025-08-07, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, its first since 2025-08-07, pushing above its recent trading range | 1 session |
| 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 $33.15), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.29 to $22.82. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 26.2% below its all-time high | -26.2% |
| Nearest price level | it is trading 14.1% 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. | -14.1% |
| 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 108.8% above its all-time low | +108.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 89% of the past ~6 months) | 89th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.41 between its high and its low — about 4.2% 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 | $1.41 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $22.91 and $37.05 — 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 | $22.91 – $29.98 – $37.05 |
| Typical daily range (% of price) | its price moves about 4.2% 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 | 4.2% |
| Stretch from the 200-day average | it is trading 7.7 daily ranges above its 200-day average price (48.5% 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 | 7.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.63× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 2.9% since the prior reading | +2.9% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | 6 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 | 6 sessions ago |
| Since a bearish engulfing | 4 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 | 4 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-26 0.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|---|---|
| Open gap | it gapped 9.2% above the previous close 14 sessions ago and has not traded back through the level it left behind at 25.92 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +9.2% |
| Gap filled | a 2.7% gap down opened on 2026-07-17 has been "filled" 28 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 28 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.38% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 56.5 percentage points (the stock gained 60.2% while the market gained 3.7%) | +56.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 83.5 percentage points (the stock gained 86.2% while the market gained 2.7%) | +83.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 27.2 percentage points (the stock gained 38.3% while the market gained 11.1%) | +27.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 3.5 percentage points (the stock gained 22.2% while the market gained 18.7%) | +3.5% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), MACD momentum is negative, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 61% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.8% of the share price, which is taken to mean a barrier that gives way easily. | +61.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 43% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $23.23 — a volume-weighted average of daily closes over 153 sessions, not a true tick-by-tick VWAP. | +42.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $31.30 — a volume-weighted average of daily closes over 16 sessions, not a true tick-by-tick VWAP. | +5.9% |
Price levels it has turned at before
CHYM last closed at $33.15 on 2026-08-26. 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 | 14.1% below the last close | turned there twice · 2025-06-23 to 2026-01-09 |
| $27.82 | Support | 16.1% below the last close | turned there twice · 2025-12-11 to 2026-01-28 |
| $24.80 | Support | 25.2% 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
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $30.38.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $34.64 and $41.53 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 2 trading days, since 2026-08-25.
Read from daily closes as of 2026-08-26.
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 · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · Overbought (14-day RSI above 70) · Near the 52-week high · Broke out to a new 20-day high | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.55 mean, 1=Strong Buy…5=Strong Sell) — 20 analysts
- Mean price target$34.20 range $22.00 – $45.00; median $34.00
Analyst estimates, as of 2026-08-19. 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 2026-05-07 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references 'our Annual Report on Form 10-K for the year ended December 31, 2025' (2026-05-07 filing)
- Newer filing reports 10.2 million Active Members as of March 31, 2026
- Newer filing reports Purchase Volume of $38,709 million for three months ended March 31, 2026
- Newer filing reports Purchase Volume of $34,540 million for three months ended March 31, 2025
- Newer filing reports Active Members of 8.6 million as of March 31, 2025
- Newer filing reports ARPAM of $263 for three months ended March 31, 2026
- Newer filing reports ARPAM of $251 for three months ended March 31, 2025
- Newer filing's Purchase Volume definition adds 'Instant Loans' and 'outbound instant transfers' to excluded transaction types
- Newer filing's Active Members definition adds 'taking or repaying a MyPay advance or an Instant Loan' to included transaction types
- Newer filing includes expanded ARPAM definition explaining the calculation methodology and seasonality impact
- Removed:
- Older filing's 'Recent Developments' section describing June 13, 2025 IPO details is not present in newer filing
- Older filing reported 9.1 million Active Members as of September 30, 2025 (replaced with March 31, 2026 data in newer filing)
- Older filing reported Purchase Volume of $32,305 million and $27,986 million for three months ended September 30, 2025 and 2024
- Older filing reported nine months ended September 30 metrics (not in newer filing's quarterly format)
- Older filing's Purchase Volume definition excluded 'Instant Loans' and 'outbound instant transfers' (added in newer filing)
- Older filing's Active Members definition did not include 'taking or repaying a MyPay advance or an Instant Loan' language
- Reworded:
- Older filing reference changed from 'Final Prospectus dated June 11, 2025' to 'Annual Report on Form 10-K for the year ended December 31, 2025'
- Overview description changed from 'nearly 75%' to 'the nearly 75%' regarding adult population earning up to $100,000 annually
- Purchase Volume definition added 'Instant Loans' to excluded transaction types list
- Active Members definition expanded to include 'or repaying' language for MyPay advances and added Instant Loans
- Notes:
- The two filings cover different reporting periods (Q1 2026 vs. Q3 2025) and contain different metric dates, making direct period-to-period comparison between the sections inherently different
- Newer filing appears to be a more complete excerpt of the MD&A section, while older filing excerpt appears truncated
Risk Factors
- Added:
- Added bullet point in Risk Factors Summary: 'The regulatory framework for our business is evolving and uncertain as federal and state governments consider new laws and regulations to regulate financial services companies and their partners that, independently or together, provide digital banking services. Additional laws and regulations, or new interpretations thereof, may adversely affect our business, financial condition, and results of operations.'
- Reworded:
- Changed bullet point wording from 'We have incurred significant net losses, and we may not be able to achieve or maintain profitability in the future' (older filing, 2025-11-10) to 'We have incurred significant net losses, and we may not be able to consistently maintain or increase profitability in the future' (newer filing, 2026-05-07)
- Page number changed from 50 (older filing, 2025-11-10) to 43 (newer filing, 2026-05-07)
- Notes:
- Both filings appear to contain truncated text at the end of the 'We may be unable to attract and retain Active Members' risk factor section, making full comparison of that section's content not fully assessable
- The older filing shows page 51 at the end of the provided excerpt, while the newer filing shows page 43, indicating different document layouts or condensation between versions
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 183 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 181 sells ($664M) — 6 selling insiders
- Last 90 days0 buys · 183 sells ($664M) — 7 selling insiders
- Last 180 days0 buys · 183 sells ($664M) — 7 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-21. As of 2026-08-27.
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 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 17,158,182
- Reported value $321,372,744
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 1 increased, 4 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.
Short interest (FINRA)
CHYM had 23,068,753 shares of reported short interest as of the 2026-07-31 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) 23,068,753
- Prior settlement (shares) 22,902,442
- Reported change 0.73%
- Days to cover (reported) 4.24
Reported to FINRA as of the 2026-07-31 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…
Frequently asked questions
What does Chime Financial, Inc. (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, Inc. (CHYM) in?
Chime Financial, Inc. (CHYM) is classified in the Financials sector. Its industry is consumer fintech. It trades on NASDAQ.
Who are Chime Financial, Inc.'s (CHYM) competitors?
Notable peers of Chime Financial, Inc. (CHYM) include PayPal, Block, SoFi Technologies, Capital One Financial and JPMorgan Chase. This peer set is informational only — not financial advice.
Is Chime Financial, Inc. (CHYM) overbought or oversold right now?
Chime Financial, Inc. (CHYM) is currently in overbought territory (its 14-day RSI is 73, above 70) (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CHYM come from?
Fundamentals and prices come from market data, as of 2026-08-26; 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: market data, as of 2026-08-26. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.