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CHCHYM

Chime Financial, Inc. Class A Common Stock

$CHYM·$13B·Software - Application·Technology
$32.31-4.3%YTD+27.9%1Y+32.2%
Price updated 9h ago·X counts updated 9h ago
CHCHYM
$CHYMChime Financial, Inc. Class A Common Stock
$32.31-4.30%108 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

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.

108X posts · last 7 days
Aug 26Sep 8
Chatter Meter
1.1×
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, louder than 66% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-08

Chime shook out below the 8-day EMA Tuesday then reclaimed it Wednesday, clearing $33.41 on its Monster PEG (+20.56% on 5x average volume, EPS $0.07 vs $0.00 estimate). Weekly chart shows 6 consecutive up weeks and a 3-weeks-tight pattern.

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.

Proven numbersAcceleratingAI verdict · as of 2026-09-08

The move is getting stronger, with heavier trading behind it.

Chime hit fresh 52-week highs on Trump-account expansion — fintech leader at 96% of range with CEO selling $9.8M.

Chime Financial is a US fintech offering digital consumer banking, spending accounts, and payments infrastructure — competing with Cash App and traditional bank checking accounts. The stock is at $33.76, roughly flat YTD but up 38% over the last year, at 96% of its 52-week range.

  • The financials are compounding fast: Q1 revenue $647M up 25% YoY at 88% gross margin, and Q2 EPS $0.07 beat consensus by 5,124% (from near-zero base) — the operating turn is significant, with $80M of Q1 free cash flow.
  • The Aug 31 announcement of expanded Trump Account benefit for employees' children plus repeated 52-week highs signal continued brand momentum; combined with a Moderate Buy analyst rating and top-YTD-fintech performance (tied with Block), the setup is bullish.
  • CEO Britt sold $9.8M across Sept 1 and Sept 3 (200K + 100K shares) — meaningful distribution at range highs, and worth watching for further waves.

The Nov 4 Q3 print is where the operating trajectory needs to extend — a clean beat with continued net-new-member growth restarts the tape toward $40; a soft billings cycle and the tape retests $28. Watch member growth, ARPU, and any monetization commentary.

Agrees with X sentimentThe bulls on the +19% YTD tied for top fintech with Block, Trump Account expansion, and the SOFI-lag comparison align with the fundamentals; CEO Britt's Sept selling is a real caveat that isn't fully priced.

What to watch: Nov 4 Q3 earnings — active-member growth, ARPU, gross margin, and any monetization commentary; also monitor further CEO Britt Form 4 sales.

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

float missing

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

SaaS deal cycles remain elongated outside AI-native workloads; rate-sensitive multiples are compressing pure-play revenue growth stories. AI co-pilot and agent automation upsell — NOW, CRM, SAP, WDAY, TEAM — is the only segment with clear near-term acceleration, while companies lacking AI differentiation are treading water on flat net-dollar-retention.

What this means for $CHYM

Neutral — Chime is a consumer fintech neobank with checking, savings, and overdraft products; not an enterprise software vendor subject to AI co-pilot spending dynamics.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-3.6%YTD
-6.7%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

5-year forecast · up to 16 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.7B$2.7B – $2.8B$0.42$0.32 – $0.5115
FY27$3.3B$3.2B – $3.4B$0.85$0.65 – $1.2616
FY28$3.9B$3.7B – $4.1B$1.25$0.85 – $1.6616
FY29$4.6B$4.4B – $4.7B$1.79$1.73 – $1.8414
FY30$4.9B$4.7B – $5.0B$3.14$3.03 – $3.2414

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.89%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.+20.9%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.+41.4%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 today2.6% 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.β0.325-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 1Christopher R BrittCEO200.0K sh$6.4MSellAug 28Christopher R BrittCEO100.0K sh$3.4MSellAug 26Dst Global Advisors Ltd10% owner1.2M sh$38.6MSellAug 25Dst Global Advisors Ltd10% owner80.9K sh$2.7MSellAug 24Dst Global Advisors Ltd10% owner1.8M sh$58.7MSellAug 21Dst Global Advisors Ltd10% owner428.0K sh$14.0MSellAug 20Dst Global Advisors Ltd10% owner346.1K sh$11.4MSellAug 19Dst Global Advisors Ltd10% owner4.5M sh$145.5MSellAug 18Dst Global Advisors Ltd10% owner353.8K sh$11.4MSellAug 14Dst Global Advisors Ltd10% owner524.7K sh$16.9M
1–10 of 23
+ 31 other (11 inkinds · 8 awards · 7 conversions · 5 gifts) 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-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.

Chime Financial Signals Breakout On Strong Guidance, Stride Takeoverinvestors.com·14h agoChime to buy nationally chartered Stride Bank for $590 million, shares jumpreuters.com·14h agoChime Announces Agreement to Acquire Stride Bankbusinesswire.com·15h agoAre You Looking for a Top Momentum Pick? Why Chime Financial, Inc. (CHYM) is a Great Choicezacks.com·18h ago3 Crypto-Exposed Stocks Riding the Institutional Crypto Wavezacks.com·22h ago

In themes

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

Consumer Fintech & Neobanks

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Voices on X · top 15 · 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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