Stock Analysis
Chime Financial, Inc. Class A Common StockCHYM
Sector: Financial Services · Industry: Finance Services
AnalystsStrong Buy28 analystsPrice is 73% of the way from the year's low to its high.
Cash covers 642% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Financial Health100
Risks
- Growth25
- Quality40
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Altman Z 11.4 — safe-zone balance sheet
- ✓Revenue CAGR 29.4% — durable top-line growth
What's happening with CHYM
Profile
Strong financial health; growth, moat, earnings quality, profitability and valuation lag behind.
How is each axis scored?
- Valuation47/100 · Weak
- P/E vs own history (n/a)10/25
- FCF yield (2.8%)5/25
- P/S (4.5x)20/25
- EV/EBIT (17.4x)12/25
- Growth25/100 · Weak
- Revenue CAGR (29.4%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (n/a)0/25
- Profitability45/100 · Weak
- ROIC (108.1%)25/25
- ROE (-1.3%)0/25
- Net margin (-0.7%)0/25
- Operating margin (23.7%)20/25
- Financial Health100/100 · Strong
- Altman Z (11.44)25/25
- Current ratio (4.62)25/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (Net cash)25/25
- Quality40/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (-4.91)25/25
- FCF conversion (-1716%)0/25
- Margin stability (σ 34.1%)0/25
- Moat30/100 · Weak
- ROIC >12% years (1/4 yrs)0/25
- Median gross margin (85.2%)25/25
- FCF-positive years (2/4 yrs)5/25
- Worst-year net margin (worst -46.6%)0/25
Risk Flags
- ⚠SBC 11.5% of revenue — real dilution cost
- ⚠4 loss-making years in recent history
About Chime Financial, Inc. Class A Common Stock
Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks. Show more
The company offers various financial products and services designed to meet members' financial needs, including spending accounts, liquidity solutions, credit-building tools, savings products, and community-focused financial services.
Headquarters: SAN FRANCISCO, CA · Employees: 1,519 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
47D+P/E (TTM)—
Price / TTM EPS (own statements)
P/FCF36.7xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield2.8%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 1Y history: 0.0%–4.0% · 88th pct
P/S (TTM)4.53xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 1Y history: 2.8x–13.7x · 44th pct
EV/EBIT17.4xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 1Y history: 11.7x–20.8x · 53rd pct
EV/Sales4.4xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E33.9xC
Grade C: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio7.92xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
45D+ROIC108.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE-1.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA-0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin-0.7%D
Grade D: LowNet Income / Revenue
Operating Margin23.7%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin88.7%A
Grade A: PremiumGross Profit / Revenue
FCF Margin12.7%C
Grade C: AverageFCF / Revenue
True FCF Margin1.2%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR29.4%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue11.5%D
Grade D: HighTTM stock-based comp / TTM Revenue
Financial Health
100A+Altman Z-Score11.44A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio4.62xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio4.44xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.13xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt6.42xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
40D+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-4.91A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion-1715.9%D
Grade D: PoorFCF / Net Income
Margin Stability34.1%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue1.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.25xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
King Ryan A Filed | King Ryan A | SellC | -300 | |
King Ryan A Filed | King Ryan A | SellOpen market sale | -300 | |
King Ryan A Filed | King Ryan A | BuyC | +300 | |
King Ryan A Filed | King Ryan A | SellC | -50000 | |
King Ryan A Filed | King Ryan A | SellOpen market sale | -50000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
King Ryan A Filed | King Ryan A | BuyC | +50.0K | |
Feuille James Filed | Feuille James | SellOpen market sale | -161437 | |
Feuille James Filed | Feuille James | SellOpen market sale | -33182 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
30DROIC >12% Years1/4 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)85.2%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years2/4 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-46.6%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$2.81
Cash & short-term investments per share (Finnhub)
Book Value / Share$3.71
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$180.88M
Total debt obligations (short + long term)
Cash & Equiv.$1.16B
Cash and short-term investments
Net Debt$-979.94MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$1.40B
Shareholders' equity (book value)
Asset / Liability3.37xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$11.12B
Current Market Capitalization
Beta2.07D
Grade D: High volatilityPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Chime Financial, Inc. Class A Common Stock (CHYM)
CHYM is down 0.97% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Chime Financial, Inc. Class A Common Stock. Altman Z-Score of 11.44 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -4.91 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 29% annually — a strong growth profile.
- Company is effectively debt-free after netting cash.
- Chime Financial, Inc. Class A Common Stock posted a net loss in 4 of 4 available completed fiscal years (2022–2025).
See how CHYM ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for CHYM in the last 30 days.
See CHYM move history →Frequently Asked Questions about CHYM
What is the current Chime Financial, Inc. Class A Common Stock (CHYM) stock price?
CHYM is trading at $29.67 at the last market close, down 0.97% on the session. PreMarketPrice tracks CHYM pre-market, intraday and after-hours prices.
Is CHYM stock a buy right now?
PreMarketPrice's quantitative model rates Chime Financial, Inc. Class A Common Stock's financial health at 100/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CHYM stock overvalued?
Chime Financial, Inc. Class A Common Stock trades at a trailing P/E of n/a and our valuation score rates it 47/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Chime Financial, Inc. Class A Common Stock report earnings?
No confirmed earnings date is currently scheduled for CHYM. The Earnings section lists recent reports and updates as dates are announced.
What sector does Chime Financial, Inc. Class A Common Stock operate in?
Chime Financial, Inc. Class A Common Stock operates in the Financial Services sector, within the Finance Services industry. The Related Stocks section lists sector peers for comparison.
What does Chime Financial, Inc. Class A Common Stock do?
Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks.
About Chime Financial, Inc. Class A Common Stock (CHYM) Stock
Chime Financial, Inc. Class A Common Stock (CHYM) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry. As of the latest update, Chime Financial, Inc. Class A Common Stock is trading at $29.67, down 0.97% on the day with a market capitalization of $11.1 billion. The financial health score for CHYM is 100/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CHYM stock.
CHYM Stock Analysis & Key Metrics
On PreMarketPrice, you can track Chime Financial, Inc. Class A Common Stock (CHYM) across multiple dimensions:
- Pre-market price & movement: Real-time CHYM stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CHYM with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Chime Financial, Inc. Class A Common Stock across multiple reporting periods.
- Financial health score: A composite score of 100/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CHYM.
- Sector peers: Compare CHYM against 6 other financial services stocks on key financial metrics.
Is CHYM a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Chime Financial, Inc. Class A Common Stock (CHYM) as an investment. The financial health score of 100/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Chime Financial, Inc. Class A Common Stock (CHYM) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.