Chime Financial, Inc. (CHYM) AI Stock Analysis

Chime Financial, Inc. is a financial technology company providing digital consumer banking and payment solutions in the United States and internationally. Its consumer offerings include checking accounts, debit cards, ATM and cash deposit networks, paycheck features, outbound instant transfer, and Chime Plus fee-free mobile banking. It delivers liquidity products such as SpotMe, MyPay, and Instant Loans, alongside credit building solutions like the Chime Card, Credit Builder credit card, and FICO score tracking. Additionally, it offers savings and perks products, community tools like Pay Anyone and SpotMe Boosts, and Chime Workplace employee benefits services for enterprises.

Revenue grew from $1.01B in FY2022 to $1.28B in FY2023, $1.67B in FY2024, and $2.19B in FY2025, delivering a 3-year compound annual growth rate of 29.4%. Gross margin shifted from 78.7% in FY2022 to 85.9% in FY2025, peaking at 87.6% in FY2024. In FY2025, operating margin was -47.6% and net income was -$1.01B, influenced by $934.9M in research and development expenses. Over the trailing twelve months, revenue reached $2.46B with an operating margin of 18.6% and a net margin of -0.7%. For the quarter ending June 30, 2026, revenue increased 26.8% year-over-year, while quarterly earnings declined 33.8%.

As of June 30, 2026, Chime held $1.06B in cash and short-term investments against $130.9M in total debt, resulting in net cash of $932.5M. Total assets stood at $2.00B and shareholders' equity was $1.40B, with a debt-to-equity ratio of 0.09 and a current ratio of 137.30. For FY2025, the company generated $52.8M in operating cash flow and $32.9M in free cash flow, deploying $19.9M toward capital expenditures and $77.5M into share buybacks.

At $29.67 on October 16, 2026, Chime Financial trades at a trailing price-to-earnings ratio of 33.7x and a forward P/E of 20.6x, compared to the median of its US-listed Technology peers at 28.1x trailing and 18.8x forward. Its price-to-sales ratio is 4.6x, above the peer group median of 2.8x, alongside an enterprise value of $9.07B and EV-to-revenue of 3.7x. Over the past year, the stock gained 69.2%, outperforming the S&P 500 return of 16.8%.

Wall Street coverage includes 16 Strong Buy, 6 Buy, and 1 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target of $39.77 sits 34.1% above the last close of $29.67. Chime beat consensus EPS estimates in each of its last 4 quarters. For the fiscal year ending December 31, 2026, analysts forecast revenue of $2.77B and EPS of $0.46, followed by $3.36B in revenue and EPS of $0.93 for the subsequent year. The next earnings date is November 4, 2026.

This page is an AI-written research summary of Chime Financial, Inc. (CHYM). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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