CHYM Stock Analysis: Chime Financial, Common | NASDAQ
Software - Application | NASDAQ, USA | Market Cap: 12.096m USD | 12M Return: 27.2% | US16935C1099 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 251M
Qual. Beats: 0
Rev. Trend: 100.0%
Warnings
Tailwinds
Seasonality 1.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Chime Financial, Inc. (NASDAQ: CHYM) is a financial technology company that provides digital consumer banking and payment solutions to consumers in the United States and internationally. Its product suite spans spending (checking accounts, debit cards, ATM and cash deposit access, paycheck direct deposit, and outbound instant transfers), a fee-free premium tier (Chime Plus), liquidity products (SpotMe, MyPay, and Instant Loans), credit-building offerings (Chime Card, Credit Builder, and FICO score tracking), savings and perks, community features (Pay Anyone and SpotMe Boosts), and an Enterprise segment offering Chime Workplace benefits to employees of partner companies. The company was originally incorporated in 2012 as 1Debit Inc., adopted the Chime Financial name in June 2019, and is headquartered in San Francisco, California.
Operating in the Transaction & Payment Processing Services sub-industry, Chime is a branchless, mobile-first neobank that delivers its services through a partner bank model rather than holding its own bank charter, a structure that allows it to scale customer acquisition digitally while relying heavily on interchange revenue from debit card activity. The company went public on NASDAQ on June 12, 2025.
- Interchange revenue scales with active member growth
- CFPB scrutiny threatens interchange fee economics
- Competition from Cash App pressures member growth
| Net Income: -18.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 14.59 > 1.0 |
| NWC/Revenue: 75.14% < 20% (prev 70.80%; Δ 4.34% < -1%) |
| CFO/TA 0.17 > 3% & CFO 346.1m > Net Income -18.2m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 137.3 > 1.5 & < 3 |
| Outstanding Shares: last quarter (396.9m) vs 12m ago 7.06% < -2% |
| Gross Margin: 87.26% > 18% (prev 87.80%; Δ -0.54% > 0.5%) |
| Asset Turnover: 121.3% > 50% (prev 102.2%; Δ 19.09% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.89 (Total Current Assets 1.79b - Total Current Liabilities 13.0m) / Total Assets 2.00b |
| B: -1.65 (Retained Earnings -3.29b / Total Assets 2.00b) |
| C: -0.02 (EBIT TTM -36.5m / Avg Total Assets 1.95b) |
| D: 2.37 (Book Value of Equity 1.40b / Total Liabilities 591.8m) |
| Altman-Z'' = 2.83 = A |
| DSRI: 0.69 (Receivables 287.8m/343.7m, Revenue 2.36b/1.94b) |
| GMI: 1.01 (GM 87.80% / 87.26%) |
| AQI: 0.93 (AQ_t 0.02 / AQ_t-1 0.02) |
| SGI: 1.22 (Revenue 2.36b / 1.94b) |
| TATA: -0.18 (NI -18.2m - CFO 346.1m) / TA 2.00b) |
| Beneish M = -3.18 (Cap -4..+1) = AA |
As of August 28, 2026, the stock is trading at USD 33.36 with a total of 4,150,635 shares traded. Over the past week, the price has changed by +4.41%, over one month by +52.61%, over three months by +93.17% and over the past year by +27.23%.
Current recommended Stop Loss: 31.30 (which is 6.2% or 1.5 ATR below the current price).
Chime Financial, Common has no consensus analysts rating.
P/E Trailing = 6.1561
P/E Forward = 43.4783
P/S = 4.9229
P/B = 8.912
Revenue TTM = 2.36b USD
EBIT TTM = -36.5m USD
EBITDA TTM = -5.95m USD
Long Term Debt = 117.8m USD (estimated: total debt 130.9m - short term 13.0m)
Short Term Debt = 13.0m USD (from shortTermDebt, last quarter)
Debt = 130.9m USD (from shortLongTermDebtTotal, last quarter) (leases 130.9m already included)
Net Debt = -932.5m USD (calculated: Debt 130.9m - CCE 1.06b)
Enterprise Value = 11.2b USD (12.1b + Debt 130.9m - CCE 1.06b)
Interest Coverage Ratio = unknown (Ebit TTM -36.5m / Interest Expense TTM 0.0)
EV/FCF = 39.21x (Enterprise Value 11.2b / FCF TTM 284.7m)
FCF Yield = 2.55% (FCF TTM 284.7m / Enterprise Value 11.2b)
FCF Margin = 12.04% (FCF TTM 284.7m / Revenue TTM 2.36b)
Net Margin = -0.77% (Net Income TTM -18.2m / Revenue TTM 2.36b)
Gross Margin = 87.26% ((Revenue TTM 2.36b - Cost of Revenue TTM 301.2m) / Revenue TTM)
Gross Margin QoQ = 84.96% (prev 87.81%)
Tobins Q-Ratio = 5.59 (Enterprise Value 11.2b / Total Assets 2.00b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 130.9m)
Taxrate = 0.76% (213k / 28.1m)
NOPAT = -36.2m (EBIT -36.5m * (1 - 0.76%)) [loss with tax shield]
Current Ratio = 36.31 (Total Current Assets 1.79b / Total Current Liabilities 49.3m)
Debt / Equity = 0.09 (Debt 130.9m / totalStockholderEquity, last quarter 1.40b)
Debt / EBITDA = 156.7 (negative EBITDA) (Net Debt -932.5m / EBITDA -5.95m)
Debt / FCF = -3.28 (Net Debt -932.5m / FCF TTM 284.7m)
Total Stockholder Equity = 1.42b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.93% (Net Income -18.2m / Total Assets 2.00b)
RoE = -1.28% (Net Income TTM -18.2m / Total Stockholder Equity 1.42b)
RoCE = -2.37% (EBIT -36.5m / Capital Employed (Equity 1.42b + L.T.Debt 117.8m))
RoIC = -1.93% (negative operating profit) (NOPAT -36.2m / Invested Capital 1.88b)
WACC = 13.39% (E(12.1b)/V(12.2b) * Re(13.53%) + D(130.9m)/V(12.2b) * Rd(0.0%) * (1-Tc(0.01)))
Discount Rate = 13.53% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 83.58 | Cagr: 3.87%
[DCF] Terminal Value 59.92% ; FCFF base≈284.7m ; Y1≈285.9m ; Y5≈302.8m
[DCF] Fair Price = 10.00 (EV 2.54b - Net Debt -932.5m = Equity 3.47b / Shares 347.0m; r=13.39% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.07 | # QB: 0
Revenue Correlation: 100.00 | Revenue CAGR: 30.79% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.08 | Chg30d=+32.61% | Revisions=+42% | Analysts=14
EPS current Year (2026-12-31): EPS=0.44 | Chg30d=+34.58% | Revisions=+79% | GrowthEPS=+110.2% | GrowthRev=+25.4%
EPS next Year (2027-12-31): EPS=0.88 | Chg30d=+13.84% | Revisions=+67% | GrowthEPS=+102.0% | GrowthRev=+20.0%
[Analyst] Revisions Ratio: +74% (up=29, down=3)