Chime Financial, Inc. (CHYM) Stock Price & Analysis

Chime Financial, Inc. (CHYM) closed at USD 30.16 on Thursday, October 22, 2026, down 0.69% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 30.37; the Oct 22, 2026 session ranged USD 29.6–30.73 on volume of 2,091,798 shares. Market capitalization is $11.42B, with a 52-week range of USD 15.88–35.55 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:12 UTC.

Also available as compact Markdown for AI agents: nexqual.com/CHYM.md

Key facts (CHYM)

• Last four reported quarters (through Jun 30, 2026): revenue $2.46B, net income -$18.2M (-0.7% margin) (SEC filings).
• 3 of 80 tracked superinvestors hold CHYM (13F, Q2 2026): 0 new, 1 added, 2 reduced, 0 unchanged.
• Insider open-market sales, last ~7 months: 38 Form 4 filings, $1.16B; 26 not under a Rule 10b5-1 plan ($1.12B); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 1.78 on a 1–5 scale) (23 analysts), mean target USD 39.55 (range 31–50).
• Total return with dividends: 1Y +65.9% vs S&P 500 +14.9%; 5Y -13.3% vs S&P 500 +80.3%.
• Next earnings: 2026-11-04, EPS estimate USD 0.1, revenue estimate $704M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CHYM)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (CHYM)

P/S 4.7x · P/FCF 36.6x · P/B 8.1x · FCF yield 2.73% · Earnings yield -0.16% · Buyback yield (TTM) 2.62%

Superinvestors (SEC 13F-HR, Q2 2026) (CHYM)

3 of 80 tracked investors hold CHYM. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider sales (SEC Form 4, open-market, last ~7 months) (CHYM)

12 of 38 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (CHYM)

Consensus Buy (mean 1.78 on a 1–5 scale), 23 analysts; mean target USD 39.55 (low 31, high 50).

Rating changes, last 120 days:

Total return (dividends reinvested) (CHYM)

CHYM revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

CHYM suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Mar 6, 2026.

CHYM company outlook (results filed Aug 5, 2026)

• “We are raising our full-year 2026 guidance based on second-quarter performance.”
• “For the full year of 2026, we now expect: • Revenue between $2.725 and $2.745 billion, representing year-over-year revenue growth between 25% and 26%. • Adjusted EBITDA between $465 and $475 million, with an adjusted EBITDA margin of 17%, representing an incremental adjusted EBITDA margin of approximately 63%.”
• “For the third quarter of 2026, we expect: • Revenue between $680 and $690 million, resulting in year-over-year revenue growth between 25% and 27%. • Adjusted EBITDA between $105 and $110 million, with an adjusted EBITDA margin between 15% and 16%.”

Quoted word-for-word from the SEC 8-K results press release.

CHYM analyst estimates and revisions

CHYM options: expected move

Options price a move of about ±13.8% (±$4.15) by Nov 20, 2026, which includes earnings on Nov 4, 2026. Over the last 5 reports the stock moved ±13.3% on average.

30-day implied volatility 59.5% vs 45.7% realized over the last 30 trading days. Put/call ratio (volume) 0.33. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 09:12 UTC)

Technical Analysis (CHYM)

Nexqual's technical model rates CHYM "BUY" based on 4 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 09:12 UTC.

Analyst Ratings (CHYM)

Wall Street analysts rate CHYM "Buy" based on 23 analysts, with a mean price target of USD 39.55 (range USD 31–50), per Nexqual as of October 23, 2026 at 09:12 UTC.

Earnings (CHYM)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 09:12 UTC.

Financials & Fundamentals (CHYM)

Source: Nexqual, October 23, 2026 at 09:12 UTC.

Financial Health Score (CHYM)

Nexqual rates Chime Financial, Inc.'s overall financial health "Weak" across five dimensions, as of October 23, 2026 at 09:12 UTC.

Ownership (CHYM)

Source: Nexqual, October 23, 2026 at 09:12 UTC.

Leadership (CHYM)

Chime Financial, Inc. is led by Christopher R. Britt, Co-Founder, CEO & Chairperson, per Nexqual as of October 23, 2026 at 09:12 UTC.

Major Backers & Investors (CHYM)

Notable institutional backers of Chime Financial, Inc. include Galileo (ptc) Ltd, Crosslink Capital Inc, General Atlantic, L.P., according to Nexqual as of October 23, 2026 at 09:12 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 09:12 UTC.

From Chime Financial, Inc.'s Latest SEC 10-K Filing (filed 2026-03-06)

Key Strengths & Strategy (as disclosed to the SEC)

• 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 built our proprietary, cloud-native technology platform in-house to drive product innovation and scale.
• Bancorp and Stride are chartered as national banks and subject to regulation and supervision by the Office of the Comptroller of the Currency ("OCC"), as well as subject to other regulations including those promulgated by the Financial Crimes Enforcement Network ("FinCEN"), Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve, and the Consumer Financial Protection Bureau ("CFPB").
• The liquidity products we offer through our platform, including SpotMe, MyPay, and Instant Loans, provide our eligible members access to short-term liquidity when they need it most for free or at a low cost.

Partnerships

• For too long, millions of Americans, including the nearly 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.
• In the United States, 196 million people — nearly 75% of the adult population — earn up to $100,000 annually.

Legal & Regulatory Risks (Item 1A, quoted)

• Our business is subject to a wide range of complex and evolving laws and regulations, which are subject to change and to uncertain interpretation, and failure by us or by our bank partners or third-party service providers to comply with such laws and regulations may adversely affect our business, financial condition, and results of operations.
• We are subject to risks related to the banking ecosystem, including through our bank partnerships, FDIC regulations and policies, and other regulatory obligations, which may adversely affect our business, financial condition, and results of operations.
• The CFPB has significant authority to regulate consumer financial services, and there is uncertainty as to how the agency's actions or the actions of any other agency may impact our business.
• We have been subject to litigation and regulatory investigations, actions, and settlements, and we expect to continue to be subject to such proceedings in the future, which may cause us to incur substantial costs or require us to change our business practices in a manner adverse to our business.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:12 UTC. This page is informational and not investment advice.

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