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CHYM·Chime Financial Inc. Class A

$27.64
-0.65 (-2.30%)
After Hours
High
$28.70
Open
$28.29
Market Cap
10.71B
52W High
$37.49
Low
$27.63
P. Close
$27.64
P/E
-
52W Low
$15.88
Fwd P/E
17.57
DailyIQ Est.
$41.52
Inst. Ownership
-
Short Interest
5.49%
Days to Cover
2.7
Technical Score (1D)
50
NEUTRAL
News Sentiment
74
BULLISH
On Oct 2, William Blair announced that Chime Financial (CHYM) was among six stocks identified as having major catalysts for the month. The firm highlighted the company’s increasing user activity and the launch of MyPay and Instant Loans as key growth drivers. Analysts noted that the inclusion signals renewed confidence in Chime’s product expansion and earnings potential. The commentary underscored Chime’s positioning within the fintech sector and its potential to capitalize on emerging payment solutions. The article reported that the analyst spotlight on Chime’s rising user activity and new product launches was a significant factor in the selection.
LOW TARGET
$30 +8.3%
2 analysts
MEAN TARGET
$39 +42.3%
13 analysts
HIGH TARGET
$50 +80.6%
15 analysts
PRICE RANGE
$30.00 - $50.00
SB / B / H / S / SS
5/19/4/1/1
DAILYIQ EST.
$41.52 (+49.9%)
Bought (1Y)
0 shares
$0
Sold (1Y)
26,748,526 shares
$871.3M
Feuille James-
Sell161,437 shares2026-09-16
Feuille James-
Sell33,182 shares2026-09-16
Feuille James-
Sell62,218 shares2026-09-16
FRANKEL ADAM BGeneral Counsel
Option Exercise60,000 shares2026-09-15
FRANKEL ADAM BGeneral Counsel
Sell15,054 shares2026-09-15
View full insider trading history →
69/ 100
Bullish
Overall: Bullish
✓Revenue growing year over year
✕Negative net margin
✓Positive operating cash flow
Gross Margin
88.0%
Net Margin
-46.2%
Revenue CAGR
30.8%
Current Ratio
4.53x
Return on Equity
-72.1%
View full financials →

EPS

EstBeatMiss
$-0.30$-0.19$-0.08$0.03$0.14Q3'25Q3'26
QtrEstActual+/−
Q3'26$0.09 - -
Q3'25$-0.24$-0.15+38.8%

Revenue

EstBeatMiss
$518M$573M$628M$683M$738MQ3'25Q3'26
QtrEstActual+/−
Q3'26$713M - -
Q3'25 - $544M -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
→

Market Data

CHYM Stock Snapshot

NEUTRAL50/100
$27.69+$0.05 (0.2%)
Market cap
10.71B
Day range
$27.63 – $28.70
News sentiment
74/100 · Bullish
Analyst target
$39.41 (+42.3%)
Consensus
Buy · 30 analysts
52-week range+74.4% off low · -26.1% from high
$15.88$37.49
Price $27.69 DailyIQ Est. $41.52

CHYM is in a holding pattern - neither trend nor momentum has taken control. Institutional coverage is thorough here, so shifts in analyst expectations show up in price quickly.

Sector Rotation

Is money rotating into or out of CHYM's sector?

Chime Financial Inc. Class A sits in the Financials sector, currently ranked 12th of 12 GICS sectors by relative-strength rotation score (improving).

Sector rank
#12 of 12
Sector state
Improving
Sector rotation score
9

Options Market

What is the options market pricing for CHYM?

CallsPuts

For Chime Financial Inc. Class A's nearest expiry (2026-10-16, 10 days out), open interest is put-heavy, a defensive/bearish tilt (put/call ratio of 1.50), with at-the-money implied volatility around 53.6%. The options market is pricing roughly a ±8.2% move by that expiry — a range of about $24.62–$29.03.

Put/call ratio (2026-10-16)
1.50
ATM implied volatility
53.6%
Total open interest
5,211
Expected move by 2026-10-16
±8.2% ($24.62–$29.03)

Analyst Rating Changes

Are analysts turning bullish or bearish on CHYM?

Goldman Sachs most recently reiterated its rating on Chime Financial Inc. Class A to Buy on Sep 15, 2026 with a price target of $37 (from $33). Over the last 90 days, coverage has run 1 upgrade against 0 downgrades, a net bullish lean.

Latest action
Goldman Sachs — Buy
90-day upgrades
1
90-day downgrades
0
Net rating momentum
+1
DateFirmActionRatingPrice target
Sep 15, 2026Goldman SachsMaintainedBuy$33 → $37
Sep 14, 2026B. Riley SecuritiesMaintainedBuy$37 → $44
Sep 14, 2026Rothschild & CoUpgradeNeutral → Buy$46
Sep 9, 2026Loop CapitalInitiatedBuy$45
Sep 9, 2026ScotiabankMaintainedSector Outperform$40 → $42
Sep 9, 2026UBSMaintainedNeutral$28 → $31
Sep 9, 2026Morgan StanleyMaintainedOverweight$39 → $40
Sep 9, 2026Piper SandlerMaintainedOverweight$35 → $40
Sep 9, 2026Evercore ISI GroupMaintainedOutperform$39 → $42
Sep 9, 2026BarclaysMaintainedOverweight$33 → $40
Sep 9, 2026KeybancMaintainedOverweight$33 → $40
Sep 9, 2026Canaccord GenuityMaintainedBuy$45 → $50

Held by These ETFs

CHYM is a top holding in these ETFs tracked on DailyIQ — bar length shows portfolio weight.

News Sentiment Analysis

Sentiment gathered from recent headlines

74/100
Strong NegativeNeutralStrong Positive
BULLISH

Recent News Coverage

Most recent articles, ranked by recency (click to expand).

10+ articles
What did this article say?
William Blair highlighted Chime Financial (CHYM) as one of six stocks with significant catalysts for October. Analysts noted increasing user activity and the launch of MyPay and Instant Loans as key growth drivers. The inclusion signals renewed confidence in Chime’s product expansion and earnings potential. The article underscores the company’s positioning within the fintech sector and its potential to capitalize on emerging payment solutions.
What did this article say?
Chime Financial has signed a definitive agreement to acquire Stride Bank, giving it a full banking charter and direct control over deposits. The deal moves Chime away from a partner‑bank model and expands its national consumer banking footprint. The acquisition is expected to accelerate product roll‑outs and customer acquisition, potentially boosting revenue and margin profile.
What did this article say?
Chime Financial has opened a new 84,000‑sq‑ft hub in Manhattan’s Flatiron District, consolidating its growing New York operations. The move follows the company’s recent 2026 revenue guidance, signaling confidence in continued growth. While the stock has seen short‑term volatility, long‑term performance remains strong, with a 90‑day return of over 70% and a 1‑year total shareholder return near 28%.
What did this article say?
Chime (CHYM) has opened an 84,000‑square‑foot office in Manhattan’s Flatiron District to serve as an East Coast hub, following its recent acquisition of Stride Bank. The move signals a strategic push to broaden its geographic footprint and support growth in the U.S. market. While the expansion is a positive development, shares fell over 3% on the day, reflecting short‑term market pricing of the capital outlay. The new hub is expected to enhance customer service and operational efficiency across the East Coast.
What did this article say?
Chime has opened a new 84,000‑square‑foot office in Manhattan’s Flatiron District, marking its first East Coast hub. The location will consolidate product, engineering, enterprise, marketing, and partnership teams to enhance collaboration and support the company’s largest metropolitan market. While the move signals growth and a deeper commitment to the New York market, it does not represent a material shift in financial performance or guidance. The expansion may improve talent acquisition and client engagement in the region, but its impact on earnings is likely incremental.
What did this article say?
Goldman Sachs analyst Will Nance has upgraded Chime Financial (CHYM) to a Buy and increased the price target from $33 to $37. The upgrade reflects confidence in the company’s growth trajectory and recent operational improvements. The new target represents a significant upside potential for investors.
What did this article say?
On September 10, 2026, director Shawn T. Carolan sold 579,313 shares of Chime Financial (CHYM) for $19.2 million, reducing his indirect holdings to 8,432,416 shares. The sale was disclosed via a Form 4 filing and leaves Carolan with a total of 8,737,259 Class A shares. While the transaction is sizable, it represents a routine insider sale and does not indicate a systemic problem or immediate financial distress for CHYM.
What did this article say?
Cynthia Marshall, a director of Chime Financial, sold 20,000 shares worth $661,866 in September 2026, reducing her direct holdings to 28,548 shares. The sale was disclosed via a Form 4 filing and does not alter her overall control of the company, which remains at 29,298 shares. While the transaction is modest relative to the company’s market cap, it may signal a short‑term liquidity need or a shift in confidence among insiders.
What did this article say?
B. Riley Securities has upgraded its view on Chime Financial (CHYM) to a Buy and lifted the price target from $37 to $44, reflecting confidence in the company’s growth trajectory. The upgrade signals that analysts expect continued expansion in digital banking services and improved profitability.
What did this article say?
Rothschild & Co’s Redburn division upgraded Chime Financial (CHYM) to a Buy rating and raised its price target from $22 to $46, reflecting a stronger view on the fintech’s growth prospects. The upgrade follows a reassessment of the company’s monetization strategy and its expanding customer base. Analysts highlighted improved profitability metrics and a clearer path to scale. The new target suggests a potential upside of roughly 60% from current levels.

Technical Analysis

Real-time indicators across multiple timeframes

50
NEUTRAL
Technical indicators reflect the latest computed signal mix for this timeframe.
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