# Chime Financial, Inc. (CHYM)

> Source: Nexqual · https://nexqual.com/CHYM · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Chime Financial, Inc. (CHYM), nexqual.com/CHYM" · informational, not investment advice.

**Price:** USD 30.16 (-0.69% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 30.37 · day 29.6–30.73 · 52w 15.88–35.55 · market cap $11.4B · NMS

## Key facts
- 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)
| USD | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|
| Revenue | $1.28B | $1.67B | $2.19B | $2.46B |
| Gross profit | $1.06B | $1.47B | $1.92B | — |
| Operating income | -$236M | -$62.2M | -$1.04B | -$51.0M |
| Net income | -$203M | -$25.3M | -$1.01B | -$18.2M |
| EPS (diluted) | -$3.22 | -$0.39 | -$4.27 | — |
| Free cash flow | -$167M | $59.3M | $32.9M | $312M |
| Gross margin | 82.8% | 87.6% | 88.0% | — |
| Operating margin | -18.4% | -3.7% | -47.6% | -2.1% |
| Net margin | -15.9% | -1.5% | -46.2% | -0.7% |
| Revenue growth | — | +30.9% | +30.7% | — |
| Cash + short-term investments | $240M | $707M | $1.05B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
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)
3 of 80 tracked investors hold CHYM. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Samantha McLemore | Patient Capital Management | 2.78% | $83.6M | Added +41.6% |
| Chase Coleman | Tiger Global Management | 0.45% | $108M | Reduced -52.3% |
| Christopher Davis | Davis Advisors | 0.21% | $47.8M | Reduced -8.2% |

## Insider sales (SEC Form 4, open-market, last ~7 months)
12 of 38 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-20 | King Ryan A | Co-Founder | 11,318 | $351K | 6.8% | Yes (adopted August 28, 2025) | Too little history (no open-market trades in 2023–2025) |
| 2026-10-09…2026-10-13 | King Ryan A | Co-Founder | 50,300 | $1.5M | 20.8% | Yes (adopted August 28, 2025) | Too little history (no open-market trades in 2023–2025) |
| 2026-09-14…2026-09-16 | Feuille James | Director | 447,637 | $14.7M | 2.3% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-15 | Frankel Adam B | General Counsel | 102,002 | $3.4M | 21.8% | Yes (adopted June 16, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-14 | Dst Global Advisors Ltd |  | 3,216,189 | $109M | 8.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-14 | Dst Global Advisors Ltd |  | 3,216,189 | $109M | 8.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-11 | Dst Global Advisors Ltd |  | 207,513 | $6.9M | 0.5% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-11 | Dst Global Advisors Ltd |  | 207,513 | $6.9M | 0.5% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-10…2026-09-11 | Carolan Shawn T | Director | 579,313 | $19.2M | 6.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-10…2026-09-11 | Feuille James | Director | 351,890 | $11.6M | 1.7% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-11 | Marshall Cynthia | Director | 20,000 | $662K | 40.9% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-09 | Dst Global Advisors Ltd |  | 59,630 | $2.1M | 0.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-09 | Dst Global Advisors Ltd |  | 59,630 | $2.1M | 0.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-09 | King Ryan A | Co-Founder | 42,421 | $1.5M | 26.7% | Yes (adopted August 28, 2025) | Too little history (no open-market trades in 2023–2025) |
| 2026-09-08 | Asmerom Amine | Chief Accounting Officer | 19,505 | $643K | 6.5% | Yes (adopted December 4, 2025) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-01 | Britt Christopher R | Chief Executive Officer | 200,000 | $6.4M | 45.9% | Yes (adopted September 15, 2025) | Too little history (no open-market trades in 2023–2025) |
| 2026-08-28 | Britt Christopher R | Chief Executive Officer | 100,000 | $3.4M | 29.8% | Yes (adopted September 15, 2025) | Too little history (no open-market trades in 2023–2025) |
| 2026-08-26 | Dst Global Advisors Ltd |  | 1,168,667 | $38.6M | 2.9% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-26 | Dst Global Advisors Ltd |  | 1,168,667 | $38.6M | 2.9% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-24…2026-08-25 | Dst Global Advisors Ltd |  | 1,855,958 | $61.4M | 4.4% | No | Too little history (no open-market trades in 2023–2025) |
% 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
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:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-08 | Deutsche Bank | Upgrade | Hold → Buy | $30 → $35 |
| 2026-09-15 | Goldman Sachs | Target raised | Buy | $33 → $37 |
| 2026-09-14 | B. Riley Securities | Target raised | Buy | $37 → $44 |
| 2026-09-14 | Rothschild & Co | Upgrade | Neutral → Buy | $46 |
| 2026-09-09 | Loop Capital | Initiated | Buy | $45 |
| 2026-09-09 | Scotiabank | Target raised | Sector Outperform | $40 → $42 |
| 2026-09-09 | UBS | Target raised | Neutral | $28 → $31 |
| 2026-09-09 | Morgan Stanley | Target raised | Overweight | $39 → $40 |
| 2026-09-09 | Piper Sandler | Target raised | Overweight | $35 → $40 |
| 2026-09-09 | Evercore ISI Group | Target raised | Outperform | $39 → $42 |
| 2026-09-09 | Barclays | Target raised | Overweight | $33 → $40 |
| 2026-09-09 | Keybanc | Target raised | Overweight | $33 → $40 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2025-06-09) |
|---|---|---|
| Total return | +65.9% | -13.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +66.2% | -9.9% |
| Volatility (annualized) | 62.4% | 63.2% |
| Max drawdown | -41.1% (Jan 2026→Jun 2026) | -52.0% (Jun 2025→Jun 2026) |

## Peers (Software - Application)
GRAB (Grab Holdings Limited) USD 2.85 +1.06% · BSY (Bentley Systems, Incorporated) USD 39.41 +2.74% · PAYC (Paycom Software, Inc.) USD 272.61 +4.44% · FROG (JFrog Ltd.) USD 93.89 -2.50% · FIG (Figma, Inc.) USD 24.1 +4.87% · ESTC (Elastic N.V.) USD 98.21 -0.61%

## More
Full page: https://nexqual.com/CHYM · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in CHYM's own 10-K filed 2026-03-06 (https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Federal Deposit Insurance | "Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building cr…" |
| Partner | Visa (V) | "Checking accounts are complemented by Chime Debit Cards, which are Visa-branded debit cards issued by our bank partners." |
| Partner | TabaPay | "ATM access for our members is provided by Allpoint, MoneyPass, and Visa Plus Alliance, each a third-party provider of ATM services; outbound instant transfers are processed by TabaPay, Inc., a third-party instant money m…" |
| Partner | Amazon (AMZN) | "ATM access for our members is provided by Allpoint, MoneyPass, and Visa Plus Alliance, each a third-party provider of ATM services; outbound instant transfers are processed by TabaPay, Inc., a third-party instant money m…" |
| Partner | Morgan Stanley Senior Funding | "We have entered into, and may continue to enter into, arrangements pursuant to which we may incur significant indebtedness, including our credit agreement with Morgan Stanley Senior Funding, Inc., as the administrative a…" |
| Partner | Goldman Sachs Lending Partners | "We have entered into, and may continue to enter into, arrangements pursuant to which we may incur significant indebtedness, including our credit agreement with Morgan Stanley Senior Funding, Inc., as the administrative a…" |
| Partner | MUFG Bank | "We have entered into, and may continue to enter into, arrangements pursuant to which we may incur significant indebtedness, including our credit agreement with Morgan Stanley Senior Funding, Inc., as the administrative a…" |
| Partner | Deutsche Bank | "We have entered into, and may continue to enter into, arrangements pursuant to which we may incur significant indebtedness, including our credit agreement with Morgan Stanley Senior Funding, Inc., as the administrative a…" |
| Competitor | PayPal (PYPL) | "We also face competition from financial technology companies that offer or facilitate bank accounts, payments, and liquidity services, including Affirm, Klarna, and PayPal, and offerings such as Cash App." |

## Revenue by product line (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Payments revenue | $430.0M | 64.2% | +17.5% |
| Platform-related revenue | $239.7M | 35.8% | +47.9% |
| MyPay | $114.8M | 17.1% | +47.7% |
| Total revenue | $669.8M | 100% | — |
The lines above cover 117.1% of total revenue.

## Company outlook (8-K filed 2026-08-05)

- "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%."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.10 | $0.06 | +65.1% | $704.1M | 16 |
| Next quarter (ends 2026-12-31) | $0.16 | $0.14 | +16.1% | $747.8M | 16 |
| Current fiscal year (ends 2026-12-31) | $0.46 | $0.33 | +42.4% | $2.77B | 18 |
| Next fiscal year (ends 2027-12-31) | $0.93 | $0.76 | +22.3% | $3.36B | 16 |