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→Stable
- +1 more pillar — see the Why tab for full reasoning
Chime Financial, Inc. (CHYM) Stock Analysis
Recovery setup
Technology · Software - Application
Sell if holding. Multiple concerning factors at $20.79: Leverage penalty (D/E 9.2): -1.5; Elevated risk factors.
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. Multiple concerning factors at $20.79: Leverage penalty (D/E 9.2): -1.5; Elevated risk factors. Chart setup: Death cross but MACD improving, RSI 68. Score 6.4/10, moderate confidence.
Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 34d clear, semi cycle peak clear, materials cycle peak clear). Suitability: speculative.
Recent developments
updated 2026-07-06Recent Developments — Chime Financial, Inc.
Latest news
- NEWS Brown University Makes New $2.59 Million Investment in Chime Financial, Inc. $CHYM - MarketBeat — MarketBeat positive
- NEWS Chime Financial, Inc. (CHYM) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates - Yahoo Finance — Yahoo Finance neutral
- NEWS CHIME FINANCIAL ($CHYM) Releases Q1 2026 Earnings, Stock Rises - Quiver Quantitative — Quiver Quantitative positive
- NEWS Earnings Flash (CHYM) Chime Financial, Inc. Reports Q1 Revenue $647.4M, vs. FactSet Est of $635.7M - marketscreener.com — marketscreener.com positive
- NEWS First GAAP profit lifts Chime (Nasdaq: CHYM) outlook, $200M buyback - Stock Titan — Stock Titan positive
Generated 2026-07-06T06:50:34Z.
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.
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Rating Breakdown
2 floor-breakers·2 ceiling hits
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Analyst Consensus
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Multiple concerning factors at $20.79: Leverage penalty (D/E 9.2): -1.5; Elevated risk factors. Chart setup: Death cross but MACD improving, RSI 68. Prior stop was $19.41. Score 6.4/10, moderate confidence.
Take-profit target: $27.45 (+31.5% upside). Prior stop was $19.41. Stop-loss: $19.41.
Leverage penalty (D/E 9.2): -1.5; Elevated risk factors; Below 200-MA, MA slope -6.2%/30d (confirmed downtrend).
Chime Financial, Inc. trades at a P/E of N/A (forward 13.0). TrendMatrix value score: 8.7/10. Verdict: Sell.
26 analysts cover CHYM with a consensus score of 4.0/5. Average price target: $31.
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.