CHYM logo

CHIME FINANCIAL INC-CL A

CHYMNASDAQ
πŸ† #880 by market capEarnings Nov 4US Equity
$26.53β–Ό $0.16 (βˆ’0.60%)
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24hβ–Ό 0.6%
7dβ–Ό 7.3%
14dβ–Ό 21.1%
30dβ–Ό 20.0%
ytdβ–² 5.5%
1yβ–² 27.6%
🏦Market Cap
$10.11B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+30.7%
High Growth
πŸ“ŠGross Margin
87.3%
High
πŸ’΅FCF Margin
13.5%
Healthy
βš–οΈP/S Ratio
4.3x
Fair
Otter Score
64
Fair

Trading Snapshot

Day Range
$26.20 – $26.94
52-Week Range
$15.88 – $35.55
Volume
$3.03B
Avg Volume
$2.69B
Shares Outstanding
381.0M
Next Earnings
Nov 3, 2026

Fundamentals Snapshot

Annual Revenue
$2.19B
Last Q Revenue
$577M
P/E Ratio
-467.7
P/S Ratio
4.3x
EPS (TTM)
$-0.05
Dividend Yield
0.00%
Dilution (1yr)
+3.1%

Why Investors Own CHYM

  • βœ“High-growth profile β€” revenue up +11.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 61% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CHYM logo

CHIME FINANCIAL INC-CL A

CHYM
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.2Bβ–² +30.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
85.9%β–Ό βˆ’2.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$1.0Bβ–² +1572.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$33Mβ–Ό βˆ’33.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
375.9Mβ–² +3.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$332Mβ–² +$90M YoY
StockOtter Β· stockotter.space

About CHIME FINANCIAL INC-CL A

Chime functions as a digital-first financial technology company, delivering a range of banking services that come without typical fees. These offerings, which encompass checking and savings accounts, early access to paychecks, and overdraft protection, are provided in collaboration with banks that are insured by the FDIC. Chime largely targets consumers whose annual income is under $100,000, with its primary revenue stream originating from interchange fees.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$32.32
β–² +21.8% Upside
High Target$36.19
Low Target$27.87
Based on 41 analysts

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