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CHCHYM

Chime Financial, Inc. Class A Common Stock

Strong FundamentalsStrong FundamentalsRevenue growing 25% YoYStreet coverage with positive forward estimatesQuiet on X (33 mentions/wk)
$CHYM·$10B·Software - Application·Technology
$28.96+3.7%YTD+14.6%1Y+35.6%
Price updated 7h ago·X counts updated 4d ago
CHCHYM
$CHYMChime Financial, Inc. Class A Common Stock
$28.96+3.69%33 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $CHYM on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

33X posts · last 7 days
Sep 21Oct 4
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $CHYM's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-16

Chime is drawing an unusually clean bullish reaction to the $590M Stride Bank acquisition, which gives it a path to a national bank charter and is guided to be immediately EPS-accretive with $100M+ of net synergies. The stock is up ~5%, YTD gains sit around 28% (top of the fintech pack), and UBS raised its price target to $31. The one push-back — a poster arguing 9x TBV is rich now that Chime literally is a bank — is the only friction in an otherwise one-sided thread.

Read what X is saying about $CHYM

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $CHYM — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Hinges on a big eventWinding up for a moveAI verdict · as of 2026-10-02

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Chime just agreed to a $590M Stride Bank deal with a national bank charter — immediately EPS accretive with $100M+ synergies.

Chime Financial is the US consumer neobank — the free-checking plus SpotMe franchise serving tens of millions of underbanked Americans. The newest step is a direct move into chartered banking.

  • The business is reaccelerating: Q1 revenue +25% YoY at a 7% operating margin — top-line growing fast but PE still negative on TTM-basis because of elevated marketing and credit-loss provisions.
  • The strategic signal is specific: $590M Stride Bank acquisition gives Chime a path to a national bank charter, guided immediately EPS-accretive with $100M+ net synergies — a franchise-reclassification move, not a tuck-in.
  • 52-week range position is 56% with vol at 57% of average — mid-range on quiet volume, with UBS raising PT to $31 and YTD gains at the top of the fintech pack (~28% including Stride-driven move).

Nov 4 Q3 is the gate — any confirmed Stride-close progress plus deposit-growth confirmation extends the move. A regulatory setback on the bank charter or dilutive raise and the stock gives back some of the recent gain.

Agrees with X sentimentThe thread has substantive drivers — the specific $590M Stride Bank acquisition, national bank charter path, immediately EPS-accretive math, $100M+ net synergies, UBS PT raise to $31, top-of-fintech YTD performance — all grounded, with the honest 9x TBV pushback.

What to watch: Nov 4 Q3 — Stride acquisition close progress, deposit growth, credit-loss trajectory, operating-margin direction, and FY27 guide. A regulatory setback on the charter is the clear invalidator.

On the calendar: 2026-11-04 — Q3 earnings

Read the AI verdict on $CHYM

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Fee-free neobank serving mass-market consumers with checking, savings, and overdraft protection; earns revenue primarily from interchange fees.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $CHYM.

Software - Application · Technology

No material change from last week — Adobe Q3 lifted guidance with triple-digit AI-first ARR, validating the AI upsell bifurcation: vendors embedding AI agents into core workflows (NOW, CRM, SAP, WDAY, TEAM, ADBE) are re-accelerating whi.

What this means for $CHYM

Partial — Fee-free neobank serving mass-market consumers with checking, savings, and overdraft protection; earns revenue primarily from interchange fees.; AI feature integration (Agentforce, AI Copilot) into core platform defends ARR while pricing for AI add-ons lifts ACV.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+2.9%YTD
-5.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-8.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-51.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-43.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
1.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-67.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
87.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.07$0.00+5123.9%
Q1 2026May 6, 2026$0.13$0.03+333.3%
Q4 2025Feb 25, 2026$-0.12$-0.20+40.0%
Q3 2025Nov 5, 2025$-0.15$-0.24+38.4%
Next earningsWed, Nov 4·consensus EPS $0.08

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$647.4M+24.8%87.8%7.1%$0.14$80.0M
Q4 FY25$596.4M+25.5%88.9%-9.0%$-0.12$17.6M
Q3 FY25$543.5M+28.8%87.2%-11.9%$-0.15$22.9M
Q2 FY25$528.1M+37.5%87.3%-176%$-2.49$23.0M

Forward consensus

5-year forecast · up to 17 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.8B$2.8B – $2.8B$0.46$0.36 – $0.5313
FY27$3.4B$3.2B – $3.5B$0.93$0.69 – $1.4617
FY28$4.0B$3.7B – $4.4B$1.40$1.00 – $1.8117
FY29$5.1B$4.9B – $5.3B$2.42$2.31 – $2.5713
FY30$4.9B$4.7B – $5.1B$3.14$3.00 – $3.348

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.66%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-4.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+22.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β0.325-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 16James FeuilleDirector256.8K sh$8.3MSellSep 15James FeuilleDirector95.4K sh$3.2MSellSep 15Adam B FrankelGeneral Counsel102.0K sh$3.4MSellSep 14Dst Global Advisors Ltd10% owner3.2M sh$109.3MSellSep 14James FeuilleDirector95.4K sh$3.3MSellSep 11Dst Global Advisors Ltd10% owner207.5K sh$6.9MSellSep 11Shawn T CarolanDirector1.8K sh$59KSellSep 11James FeuilleDirector258.4K sh$8.5MSellSep 11Cynthia MarshallDirector20.0K sh$662KSellSep 10Shawn T CarolanDirector302.3K sh$10.0M
1–10 of 37
+ 35 other (11 inkinds · 8 conversions · 8 awards · 5 gifts · 3 exempts) in window

See when $CHYM insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementSep 88-K — Item 1.01: Material agreement · Item 7.01: Press release / Reg FD
AI summary

Chime Financial (CHYM) agreed to acquire Central Service Corporation, parent of Stride Bank NA, for $590 million in a transaction unanimously approved by both boards. The deal gives Chime a national bank charter, transforming it from a bank-partnership fintech to a direct bank operator. The transaction is subject to regulatory approval, which may be the main timeline driver.

8-KRestructuring / exit costsAug 58-K — Item 2.02: Earnings release · Item 2.05: Restructuring / exit costs · Item 5.02: Officer or director change
AI summary

CHYM reported financial results for Second. Full results are disclosed in a press release filed as Exhibit 99.1. Item 2.02 mandates simultaneous disclosure of material earnings data, ensuring all investors receive results at the same time. Investors should review the attached exhibit for complete financial figures and any forward guidance from CHYM management.

8-KShareholder voteJun 48-K — Item 5.07: Shareholder vote
AI summary

Chime Financial, Inc. held its 2026 Annual Meeting of Stockholders on June 2, 2026, at which shareholders voted on four proposals: election of three Class I directors to serve through the 2029 annual meeting, ratification of Ernst & Young LLP as independent auditor for fiscal 2026, a non-binding advisory say-on-pay vote, and a vote on the frequency of future say-on-pay votes. Detailed vote counts are not visible in the excerpt, but all proposals are described as having been voted on at the meeting. Routine annual governance event.

+ 9 other (3 13Gs · 2 10-Qs · 2 proxys · 1 8-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Here Are Thursday’s Top Wall Street Analyst Research Calls: CAVA Group, Constellation Brands, Goldman Sachs Group, Hub Spot, Hut 8, Paladin Technologies, NXP Semiconductor, Spotify Technology, Tyler Technologies, and More247wallst.com·22h ago3 Stocks With 100%+ Projected Q3 Earnings Growth to Buy Before Resultszacks.com·2d agoNu vs. Chime: Which Digital Banking Stock Is the Better Buy?zacks.com·10d ago3 Stocks Under the Microscope After Large Insider Salesmarketbeat.com·11d agoIs Chime Stock a Buy, Sell, or Hold After Nearly Doubling From Its 52-Week Low?fool.com·16d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $CHYM on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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