Chime Financial, Inc. Class A Common Stock
$32.70-0.2%YTD-1.2%1Y+21.7%
Mentions · last 7 days
122+9%
Price updated 11h ago·X counts updated 1d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $CHYM, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Regional sits in its cycle right now — and what that implies for $CHYM.
Banks - Regional
No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.
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; partial earnings exposure to banks - regional demand dynamics through its product portfolio.
Top industry ETF
$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+15.9%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 $0.07
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
FYRevenueRangeEPSRangeAnalysts
FY26$2.7B$2.7B – $2.7B$0.32$0.25 – $0.4116
FY27$3.2B$3.1B – $3.3B$0.74$0.51 – $1.2716
FY28$3.7B$3.5B – $4.0B$1.09$0.70 – $1.6013
FY29$4.5B$4.3B – $4.6B$1.75$1.68 – $1.8212
FY30$4.9B$4.7B – $5.0B$3.14$3.02 – $3.266
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.1.0×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.94%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.+38.5%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.+47.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatHigh float · 225.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today3.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.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.
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-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
8-KShareholder voteJun 48-K — Item 5.07: Shareholder vote
AI summary
+ 11 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.
Insider Liquidates More Than 26,000 Shares of Fintech Stock for Tax ObligationsDividends Are Found in the Tried & TrueChime Financial, Inc. (CHYM) Is Up 10.03% in One Week: What You Should KnowChime to Participate in Goldman Sachs Communacopia + Technology ConferenceEarnings Estimates Moving Higher for Chime Financial, Inc. (CHYM): Time to Buy?
In themes
Explore the broader themes this ticker is being talked about under.
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