CHYM
NEUTRAL
$19.13
Live
Chime Financial, Inc. · NASDAQ
Target $31.88
(+66.6%)
$16.17
52W Range
$44.94
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$7.35B
P/E
N/A
ROE
-85.5%
Profit margin
-46.2%
Debt/Equity
0.1
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
80%
CHYM shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.
Key Strengths
Strong revenue growth of 25.5%
Low debt with D/E ratio of 0.10
Key Risks
Low profit margin of -46.2%
Weak financial trend (Piotroski F-Score: 2/9)
Weak ROE of -85.5%
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
36
Weak
50
65
30
35
0
AI Verdict
CHYM shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.
Key drivers: Strong revenue growth of 25.5%, Low debt with D/E ratio of 0.10, Low profit margin of -46.2%
Confidence
40%
Value
50/100
Rule-based valuation (P/E + Graham).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Future
65/100
Rule-based growth outlook.
Positives
- Revenue growth running at 25.5%.
Watchpoints
No urgent risks highlighted.
Past
30/100
Historical performance + price trend: Shares moved -48.5% over 5Y and -48.5% over 1Y.
Positives
- Insufficient data for clear positives.
Watchpoints
- ROE only -85.5%.
- Thin profit margins.
Health
35/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Low D/E ratio (0.10).
Watchpoints
No urgent risks highlighted.
Dividend
0/100
Dividend policy fallback.
Positives
- Insufficient data for clear positives.
Watchpoints
- No regular dividend payments.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.13
Analyst Target
$31.88
Upside/Downside
+66.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CHYM and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CHYM
Chime Financial, Inc.
Primary
|
-48.5% | -48.5% | -48.5% | -8.0% | -15.5% | +2.1% |
|
CAMT
Camtek Ltd.
Peer
|
+386.7% | +519.8% | +188.6% | +42.4% | +2.6% | +5.0% |
|
AAOI
Applied Optoelectronics, Inc.
Peer
|
+970.9% | +3539.5% | +510.0% | +257.6% | +100.0% | +1.3% |
|
APLD
Applied Digital Corporation
Peer
|
+457.7% | +1287.2% | +330.7% | +44.8% | -26.1% | +7.6% |
|
APPF
AppFolio, Inc.
Peer
|
+21.3% | +44.8% | -16.5% | -37.5% | -3.5% | -9.8% |
CHY
Chime Financial, Inc.
Primary
5Y
-48.5%
3Y
-48.5%
1Y
-48.5%
6M
-8.0%
1M
-15.5%
1W
+2.1%
CAM
Camtek Ltd.
Peer
5Y
+386.7%
3Y
+519.8%
1Y
+188.6%
6M
+42.4%
1M
+2.6%
1W
+5.0%
AAO
Applied Optoelectronics, Inc.
Peer
5Y
+970.9%
3Y
+3539.5%
1Y
+510.0%
6M
+257.6%
1M
+100.0%
1W
+1.3%
APL
Applied Digital Corporation
Peer
5Y
+457.7%
3Y
+1287.2%
1Y
+330.7%
6M
+44.8%
1M
-26.1%
1W
+7.6%
APP
AppFolio, Inc.
Peer
5Y
+21.3%
3Y
+44.8%
1Y
-16.5%
6M
-37.5%
1M
-3.5%
1W
-9.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
16.63
PEG Ratio
N/A
P/B Ratio
5.19
P/S Ratio
3.36
EV/Revenue
2.95
EV/EBITDA
-10.92
Market Cap
$7.35B
Profitability
Profit margins and return metrics
Profit Margin
-46.18%
Operating Margin
13.7%
Gross Margin
87.97%
ROE
-85.54%
ROA
-21.9%
Growth
Revenue and earnings growth rates
Revenue Growth
+25.5%
Earnings Growth
N/A
Q/Q Revenue Growth
+25.49%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.1
Low debt
Current Ratio
4.53
Strong
Quick Ratio
3.57
Excellent
Cash/Share
$2.93
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.6B
Gross Margin
88.9%
Op. Margin
-9.0%
Net Margin
-7.5%
Total Assets
$2.0B
Liabilities
$0.6B
Equity
$1.4B
Debt/Equity
0.40x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
54%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-02-25
$-0.12
+31.4% surprise
2025-11-05
$-0.15
+38.8% surprise
2025-08-07
$-7.29
-89.1% surprise
Technology Sector Comparison
Comparing CHYM against 171 companies in the Technology sector
(14 bullish, 71 neutral, 86 bearish)
Return on Equity (ROE)
-85.54%
This Stock
vs
-11.51%
Sector Avg
+643.3%
(Excellent)
Profit Margin
-46.18%
This Stock
vs
-7.55%
Sector Avg
+511.6%
(Superior)
Debt to Equity
0.1
This Stock
vs
0.76
Sector Avg
-87.4%
(Less Debt)
Revenue Growth
25.5%
This Stock
vs
14375.8%
Sector Avg
-99.8%
(Slower)
Current Ratio
4.53
This Stock
vs
3.99
Sector Avg
+13.3%
(Better)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CHYM
Chime Financial, Inc.
|
NEUTRAL | $7.35B | - | -85.5% | -46.2% | $19.13 | |
|
CAMT
Camtek Ltd.
|
NEUTRAL | $7.41B | 154.58 | 8.7% | 10.2% | $159.22 | Compare |
|
AAOI
Applied Optoelectronics, Inc.
|
BEARISH | $7.28B | - | -7.9% | -8.4% | $96.81 | Compare |
|
APLD
Applied Digital Corporation
|
BEARISH | $7.56B | - | -7.9% | -47.4% | $27.05 | Compare |
|
APPF
AppFolio, Inc.
|
BEARISH | $6.21B | 44.46 | 26.5% | 14.8% | $172.5 | Compare |
CHYM
Chime Financial, Inc.
NEUTRAL
Mkt Cap
$7.3B
P/E
-
ROE
-85.5%
Price
$19.13
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-12 | ASMEROM AMINE | Officer | Stock Award | 37,524 | - |
| 2026-03-12 | NEWCOMB MATTHEW S | Chief Financial Officer | Stock Award | 140,713 | - |
| 2026-03-12 | FRANKEL ADAM B | General Counsel | Stock Award | 112,571 | - |
| 2026-03-12 | TROUGHTON MARK T | President | Stock Award | 206,379 | - |
| 2026-03-02 | MARSHALL CYNTHIA | Director | Sale | 35,000 | $779,674 |
| 2026-02-18 | BRITT CHRISTOPHER R | Chief Executive Officer | Gift | 14,047 | - |
| 2026-02-18 | KING RYAN A | Officer and Director | Gift | 7,147 | - |
| 2026-02-18 | NEWCOMB MATTHEW S | Chief Financial Officer | Gift | 22,523 | - |
| 2026-01-15 | DUNNE JAMES J III | Director | Stock Award | 2,902 | - |
| 2026-01-15 | FEUILLE JAMES | Director | Stock Award | 4,934 | - |
| 2026-01-09 | BRITT CHRISTOPHER R | Chief Executive Officer | Sale | 50,000 | $1,402,825 |
| 2026-01-09 | BRITT CHRISTOPHER R | Chief Executive Officer | Stock Award | 50,000 | - |
| 2026-01-09 | NEWCOMB MATTHEW S | Chief Financial Officer | Sale | 10,000 | $280,109 |
| 2026-01-09 | FRANKEL ADAM B | General Counsel | Sale | 500 | $14,000 |
| 2026-01-09 | FRANKEL ADAM B | General Counsel | Option Exercise | 500 | $8,280 |
ASMEROM AMINE
Officer
2026-03-12
37,524 shares
NEWCOMB MATTHEW S
Chief Financial Officer
2026-03-12
140,713 shares
FRANKEL ADAM B
General Counsel
2026-03-12
112,571 shares
TROUGHTON MARK T
President
2026-03-12
206,379 shares
MARSHALL CYNTHIA
Director
2026-03-02
35,000 shares
·
$779,674
BRITT CHRISTOPHER R
Chief Executive Officer
2026-02-18
14,047 shares
KING RYAN A
Officer and Director
2026-02-18
7,147 shares
NEWCOMB MATTHEW S
Chief Financial Officer
2026-02-18
22,523 shares
DUNNE JAMES J III
Director
2026-01-15
2,902 shares
FEUILLE JAMES
Director
2026-01-15
4,934 shares
BRITT CHRISTOPHER R
Chief Executive Officer
2026-01-09
50,000 shares
·
$1,402,825
BRITT CHRISTOPHER R
Chief Executive Officer
2026-01-09
50,000 shares
NEWCOMB MATTHEW S
Chief Financial Officer
2026-01-09
10,000 shares
·
$280,109
FRANKEL ADAM B
General Counsel
2026-01-09
500 shares
·
$14,000
FRANKEL ADAM B
General Counsel
2026-01-09
500 shares
·
$8,280
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
16 analysts
Keybanc
2026-03-04
Overweight
UBS
2026-02-26
Neutral
Neutral
Evercore ISI Group
2026-02-26
Outperform
Outperform
Rothschild & Co
2026-01-26
Neutral
Goldman Sachs
2026-01-06
Buy
Buy
B. Riley Securities
2025-12-11
Buy
Goldman Sachs
2025-12-01
Neutral
Buy
JP Morgan
2025-11-06
Overweight
Overweight
UBS
2025-11-06
Neutral
Neutral
Piper Sandler
2025-11-06
Overweight
Overweight
Past News Coverage
Recent headlines mentioning CHYM from our newsroom.
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