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CHCHYM

Chime Financial, Inc. Class A Common Stock

$CHYM·$8.0B·Banks - Regional·Financial Services
$20.92-1.8%YTD-17.2%1Y-32.1%
Mentions · last 7 days
2026-07-04: 3 posts2026-07-05: 11 posts2026-07-06: 14 posts2026-07-07: 10 posts2026-07-08: 20 posts2026-07-09: 9 posts2026-07-10: 9 posts76
Price updated 13h ago·X counts updated 13h ago
CHCHYM
$CHYMChime Financial, Inc. Class A Common Stock
$20.92-1.83%76 posts
AI analysisFundamentalsVoices on X
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What it does

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

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.

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 · Financial Services

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.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+15.6%YTD
+18.0%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
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$-0.24+38.4%
Q2 2025Aug 7, 2025$-7.29$-4.85-50.3%
Next earningsThu, Aug 6·consensus EPS $-0.01

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

4-year forecast · up to 15 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.7B$2.7B – $2.7B$0.32$0.26 – $0.4115
FY27$3.2B$3.1B – $3.3B$0.76$0.52 – $1.3015
FY28$3.7B$3.7B – $3.7B$1.15$0.78 – $1.5011
FY29$4.6B$4.5B – $4.7B$2.13$2.07 – $2.195

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.22%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.+11.3%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.-1.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 218.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.6% 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.β0.485-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

SellJun 15Adam B FrankelGeneral Counsel3.0K sh$53KSellJun 9Adam B FrankelGeneral Counsel3.0K sh$54KSellMar 2Cynthia MarshallDirector35.0K sh$780K
+ 32 other (13 awards · 12 inkinds · 6 gifts · 1 conversion) 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
Free, forever. No credit card.

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-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.

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

Recent news

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

Chime Financial: Primary Account Relationship And Broad Product Set Support Buy Ratingseekingalpha.com·8d agoChime Financial, Inc. (CHYM) Surges 11.2%: Is This an Indication of Further Gains?zacks.com·12d agoChime Financial, Inc. (CHYM) Upgraded to Buy: What Does It Mean for the Stock?zacks.com·12d agoWall Street Analysts Think Chime Financial, Inc. (CHYM) Could Surge 71.49%: Read This Before Placing a Betzacks.com·25d agoAlly Financial vs. Chime Financial Inc. Class A Common Stock: Which Financial Stock Is a Better Buy in 2026?fool.com·32d 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

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