Insider buying last 90 days
No open-market insider purchases were filed for CHYM in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CHYM insider filing, plotted on the chart in Gekko.Open CHYM in Gekko
NASDAQ: CHYM
Chime Financial (CHYM) Stock Analysis & Forecast
Sep 28 close
$26.69−0.09 (−0.3%)
Gekko Brief
Chime Financial closed at $26.69 on 28 September 2026, -0.3% on the day. The price sits between the 50-day ($29.28) and 200-day ($23.49) moving averages, inside a 52-week range of $15.88 to $35.55. The GekkoIndex reads 66.9, in the Accumulation zone, up 4.4 points over five sessions. Gekko Fair Value is $33.28, so the price is 19.8% below it.
The next earnings report is due on 4 November 2026, 36 days away (after close). Over the last 5 reports the company beat the earnings estimate 4 times, with an average move of 13.3% across the report.
19 firms rate the stock: 18 buy, 1 hold and 0 sell, with a consensus target of $39.41. A typical daily move is about 5.9%, and a typical 20-day move about 15.4%. On the swing-trade checklist, 3 items read supportive and 0 read as a headwind.
Generated Sep 29, 2026 from the data above.
Chime Financial price vs fair value
Close $26.69200-day averageGekko Fair Value $33.28
Chime Financial quick facts
- Market cap
- $10.17B
- P/E ratio
- 4.9
- Forward P/E
- 20.6
- EPS, TTM
- $5.50
- Revenue, TTM
- $2.46B
- Profit margin
- -0.7%
- Dividend yield
- —
- Beta
- —
- Volume
- 4.58M avg 7.75M
- 1-year return
- +23.8%
- Typical daily move
- ±5.9%
- Typical 20-day move
- ±15.4%
- 50-day average
- $29.28
- 200-day average
- $23.49
- Next earnings
- Nov 4 after close
- Shares outstanding
- 347.0M
Chime Financial swing-trade checklist
Chime Financial scores 3 supportive, 1 mixed and 0 headwinds across the 4 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $26.69 sits between the 50-day ($29.28) and 200-day ($23.49) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
66.9, Accumulation
Reading 66.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
19.8% below
Price is 19.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 36 days
Next report Nov 4, 2026, 36 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityno data
No data
Not enough years of history for a seasonal read.
A description of current data, not a recommendation. How this page works
Chime Financial stock chart and price history
Chime Financial closed at $26.69 on Sep 28, 2026, +23.8% over the past year, inside a 52-week range of $15.88 to $35.55.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −20.0%
- 3 months
- +27.1%
- 6 months
- +57.1%
- 1 year
- +23.8%
The full CHYM chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CHYM in Gekko
Follow Chime Financial through every session
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About Chime Financial
Chime Financial builds digital banking and payment tools for everyday consumers in the United States and abroad. Its offerings include checking accounts, debit cards, access to ATM and cash deposit networks, early paycheck access, and instant transfers, alongside a fee-free mobile banking tier called Chime Plus. It has become associated with helping members manage day-to-day cash flow through features like SpotMe, MyPay and Instant Loans.
Beyond everyday spending, Chime Financial offers ways for members to build credit through its Chime Card and Credit Builder credit card, plus FICO score tracking, along with savings and rewards products. It also includes community-oriented features such as Pay Anyone and SpotMe Boosts, and provides an enterprise arm, Chime Workplace, which supplies financial services and benefits tools that employers can extend to their staff.
The company was originally called 1Debit Inc. before adopting the Chime Financial name in June 2019, and it was incorporated in 2012. It is headquartered in San Francisco, California, and its shares are listed on the NASDAQ under the ticker CHYM.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Regional banks
- Website
- chime.com
Chime Financial GekkoIndex: the smart money zone
Chime Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 66.9, in the Accumulation zone, up 4.4 points over five sessions.
66.9Accumulation
Up 4.4 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 35 | +0.4% | +0.7% | ||
| Accumulation (current zone) | 126 | +0.4% | +2.5% | ||
| Neutral | 136 | −0.8% | +0.8% | ||
| Distribution | 21 | +3.1% | +5.1% | ||
| Selling | 1 | Too few readings yet | |||
Average CHYM share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the CHYM price, zone by zone.Track CHYM in Gekko
Is Chime Financial stock overvalued? Gekko Fair Value
Chime Financial trades 19.8% below Gekko Fair Value of $33.28, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Chime Financial shares are worth, recalculated every trading day.
$33.28
Gekko Fair Value, Sep 26, 2026
19.8% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open CHYM in Gekko
Chime Financial insider and Congress trading
No open-market insider purchases were filed for Chime Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CHYM were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CHYM, plotted on the chart in Gekko.Open CHYM in Gekko
Buybacks
Chime Financial has been buying back its own shares.
- Latest authorization
- $200.0M, May 6, 2026
- Bought back, quarter ended Jun 30, 2026
- $136.3M
- As a share of market cap
- 1.34%
From company filings.
Hedge funds and billionaires quarter ended Jun 30
2of the funds Gekko tracks hold CHYM.
0added0opened2trimmed4sold out
Which funds are on each side, name by name.Unlock in Gekko
Chime Financial earnings: next date and track record
Chime Financial reports on Nov 4, 2026, after the close (36 days away), and beat the EPS estimate in 4 of its last 5 reports.
Next earnings report
Nov 4, 2026
Expected after the close, 36 days away
- EPS estimate
- $0.08
- Revenue estimate
- $700.1M
4 of 5reports beat the EPS estimate
±13.3%average move across the report
3 of 5reports followed by a gain
Share-price move across each report
Last earnings call, Aug 5, 2026 AI summary
- What they said
- Chime reported an exceptionally strong Q2 2026 with broad-based growth across active members (+20% YoY to 10.4M), revenue (+27% YoY), card purchase volume and payment revenue. The company highlighted product momentum from the newly launched Chime Prime membership, Chime Invest, and credit products (MyPay expansions and an upcoming line of credit) as drivers of higher-quality member acquisition and ARPAM growth. Operating leverage was evident with adjusted EBITDA margin expanding to 15% (up 12 points YoY) and the company delivering its second consecutive quarter of GAAP net income. Management announced an organizational reorg/reduction in force to create leaner teams, a CFO transition (Matt Newcomb departing; Mark Troughton interim CFO), and continued reinvestment of some savings into growth. Enterprise (workplace) offering secured a large U.S. employer and pipeline strength was reiterated, but enterprise meaningful contribution to member growth is expected in 2027, not 2026. Credit performance (MyPay, instant loans) remained strong with loss rates below 1% and transaction profit margins improving, though management flagged a small expected uptick in loss rates as limits increase. Overall the tone was confident and constructive, management raised full-year guidance and increased the full-year active member net add target to 1.8 million, while noting some near-term cost dynamics (modestly higher Q2 rewards costs that are expected to moderate in Q3).
- Guidance
- Raised full-year active member net add target to 1.8 million (from prior 1.4 million). Management said they are raising full-year revenue and adjusted EBITDA guidance (management referenced a revenue midpoint increase of roughly $60 million and EBITDA midpoint increase of ~$47 million in the Q&A). Expectation that payroll costs will be kept flat relative to 2026; reward costs to moderate in Q3; modest uptick in MyPay loss rates expected in Q3/Q4 but offset by higher transaction profit. Enterprise expected to contribute meaningfully to direct deposit growth in 2027 but not materially to 2026 member growth.
- Risks flagged
- CFO departure and transition risk; reduction in force/organizational restructure could create short-term disruption; Q2 rewards costs were modestly higher than expected; management expects a slight uptick in loss rates as credit limits expand (MyPay) which could pressure credit performance if worse than modeled; long enterprise sales cycles (6-12 months) mean timing and adoption risk for B2B channel; broader macro or consumer health deterioration could still negatively impact lending products and deposit behavior despite current resilience.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 5, 2026 | $0.07 est −$0.01 | $669.8M est $641.3M | +25.3% |
| May 6, 2026 | $0.13 est $0.03 | $647.4M est $635.7M | −8.6% |
| Feb 25, 2026 | −$0.12 est −$0.20 | $596.4M est $577.0M | +17.3% |
| Nov 5, 2025 | −$0.15 est −$0.24 | $543.5M est $531.3M | +1.6% |
| Aug 7, 2025 | −$7.29 est −$4.85 | $528.1M est $502.8M | −13.7% |
| May 13, 2025 | $0.20 | $518.7M | — |
| Dec 31, 2024 | −$0.05 | $475.2M | — |
| Sep 30, 2024 | −$0.06 | $421.9M | — |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Chime Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Chime Financial is $39.41, +47.7% from the last close, from 19 firms rating the stock in the last 90 days.
$39.41consensus 12-month target, +47.7% from the last close
Now $26.69Avg $39.41
Low $26High $50
Each firm’s latest rating in the last 90 days: 19 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 24 | Wells Fargo | $46 | +72.3% |
| Sep 15 | Goldman Sachs | $37 | +38.6% |
| Sep 14 | Rothschild & Co Redburn | $46 | +72.3% |
| Sep 14 | B. Riley Securities | $44 | +64.9% |
| Sep 9 | B. Riley Securities | $37 | +38.6% |
+2.5%average 20-day move after past Accumulation readings
±5.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Chime Financial market cap and key statistics
Chime Financial’s market cap is $10.17B, with a P/E ratio of 4.9 and revenue of $2.46B over the last twelve months.
Valuation
- Market cap
- $10.17B
- P/E ratio
- 4.9
- Forward P/E
- 20.6
- EPS, TTM
- $5.50
- Gekko Fair Value
- $33.28
Trading
- Volume
- 4.58M
- Avg volume, 20 days
- 7.75M
- 52-week high
- $35.55
- 52-week low
- $15.88
- Shares outstanding
- 347.0M
Financials
- Revenue, TTM
- $2.46B
- Profit margin
- -0.7%
- Return on equity
- -1.3%
- Quarterly earnings growth, YoY
- −33.8%
Risk and income
- Typical daily move
- ±5.9%
- Typical 20-day move
- ±15.4%
Chime Financial stock news this week
1 headline about Chime Financial from the past week, newest first, each linking to the publisher.
- Is Chime Stock a Buy, Sell, or Hold After Nearly Doubling From Its 52-Week Low?The Motley Fool, Sep 23
Chime Financial peers
Chime Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 4.8% below |
| USBU.S. Bancorp | Accumulation | 10.6% below |
| NUNu | Buying | 24.1% below |
| TFCTruist Financial | Buying | 10.3% below |
| FITBFifth Third Bancorp | Accumulation | 11.5% below |
| MTBM&T Bank | Accumulation | 11.2% below |
A peer links to its own page where one exists.
Chime Financial stock FAQ
What is Chime Financial’s market cap?
Chime Financial’s market cap is $10.17B at the Sep 28, 2026 close of $26.69, with 347.0M shares outstanding. The shares trade on a P/E ratio of 4.9.
What is the Chime Financial stock forecast?
The consensus analyst 12-month price target for Chime Financial is $39.41, +47.7% from the last close. Of the 19 firms that rated the stock in the last 90 days, 18 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Chime Financial stock overvalued or undervalued?
On Gekko’s estimate Chime Financial is undervalued: the Sep 28, 2026 close of $26.69 is 19.8% below Gekko Fair Value of $33.28. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Chime Financial report earnings next?
Chime Financial is expected to report on Nov 4, 2026, after the market closes (36 days away). Analysts expect earnings of $0.08 per share on revenue of $700.1M. Chime Financial beat the earnings estimate in 4 of its last 5 reports, moving 13.3% on average across the report.
What is Chime Financial’s 52-week high and low?
Chime Financial’s 52-week high is $35.55 and its 52-week low is $15.88; it closed at $26.69 on Sep 28, 2026, +23.8% over the past year. Over the last five years the shares peaked at $44.94 on Jun 12, 2025.
Is Chime Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 4 items with data read as supportive (gekkoindex, fair value and earnings risk), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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