Chime Financial offers 25% year-over-year revenue growth, a forward P/E of 15.3x with a PEG ratio of 0.12, and a free cash flow margin of 28% despite GAAP losses, but a confirmed technical downtrend — the moving average declining 8.3% over 30 days while the stock sits below it — and a debt-to-equity of 9.2 constrain near-term entry appeal despite an otherwise favorable risk/reward geometry.
Thesis pillars
- Attractive Growth Adjusted Valuation→Stable
- Cash Generation Despite Gaap Loss→Stable
- Leverage And Downtrend Headwind↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Mar 6, 2026· older than 90 days
Chime Financial, Inc. (CHYM) Stock Analysis
Range Bound setup
Technology · Software - Application
Sell if holding. Engine safety override at $29.87: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.5/10 and A.R:R 2.5:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 27.78.
Chime Financial runs a mobile-first consumer banking platform serving 9.5 million Active Members in the U.S., targeting adults earning up to $100,000 annually via fee-free checking, savings, secured credit, and short-term liquidity products. Revenue is generated primarily from... Read more
Sell if holding. Engine safety override at $29.87: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.5/10 and A.R:R 2.5:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 27.78. Chart setup: RSI 49 mid-range, Bollinger mid-band. Score 6.5/10, moderate confidence.
Passes 7/8 gates (positive momentum, favorable risk/reward ratio, no SEC red flags, news boost earnings 0.70, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on clean insider activity. Suitability: moderate.
Recent developments
No fresh coverage since Sep 16, 2026
Recent Developments — Chime Financial, Inc.
Latest news
- NEWS Chime Financial(CHYM.US) Officer Sells US$3.4 Million in Common Stock - Moomoo — Moomoo Sep 16, 2026 negative
- NEWS Chime Financial dips 7% amid recent volatility (CHYM:NASDAQ) - Seeking Alpha — Seeking Alpha Sep 16, 2026 negative
- NEWS DST Global Advisors sells $6.86 million in Chime Financial stock - Investing.com — Investing.com Sep 16, 2026 negative
- NEWS CHYM Stock Quote Price and Forecast - CNN — CNN Aug 26, 2026 neutral
- NEWS Here's What Key Metrics Tell Us About Chime Financial, Inc. (CHYM) Q2 Earnings - Yahoo Finance — Yahoo Finance Aug 5, 2026 neutral
Latest item Sep 16, 2026 · Generated 2026-11-05T11:34:07Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMProductinterchange-based fees10-K Item 1A: 'We earn the significant majority of our revenue through interchange-based fees when our members use their Chime-branded debit or credit cards'
- MEDIUMSupplierbank partners (Bancorp and Stride)10-K Item 1A: 'Our relationships with our bank partners are crucial to our business ... We partner with The Bancorp Bank, N.A. ("Bancorp") ... and with Stride Bank, N.A. ("Stride")'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Insiders leaning net-seller recently. Could be diversification/taxes rather than view, but the signal is not supportive.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $29.87: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 6.5/10 and A.R:R 2.5:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 27.78. Chart setup: RSI 49 mid-range, Bollinger mid-band. Prior stop was $27.78. Score 6.5/10, moderate confidence.
Analyst target: $35.59 (+19.2% upside). Prior stop was $27.78. Stop-loss: $27.78.
Heavy insider selling (2.0 < 2.5).
Chime Financial, Inc. trades at a P/E of 33.9 (forward 18.6). TrendMatrix value score: 6.3/10. Verdict: Sell.
32 analysts rate CHYM, with a consensus score of 4.1/5. 22 analysts publish price targets averaging $40.
What does Chime Financial, Inc. do?Chime Financial runs a mobile-first consumer banking platform serving 9.5 million Active Members in the U.S., targeting...
Chime Financial runs a mobile-first consumer banking platform serving 9.5 million Active Members in the U.S., targeting adults earning up to $100,000 annually via fee-free checking, savings, secured credit, and short-term liquidity products. Revenue is generated primarily from interchange fees on Visa-branded debit and credit cards, with banking services delivered through partners The Bancorp Bank, N.A. and Stride Bank, N.A.