Chime Financial (CHYM) Financials: Revenue & Earnings

CHYM price $28.44 -0.11 -0.39%

Ticker
CHYM
Price
$28.44
Change
-0.11 -0.39%
Market cap ?
$10.77B
P/E ?
-503.53
Forward P/E ?
61.85
Dividend yield ?
0.00%
Beta ?
0.32
Sector
Technology
Industry
Software - Application
Stocklytics score
52
Value
53
Quality
42
Growth
62

Stocklytics score rationale: value 53, quality 42, growth 62.

Financials

2022202320242025
1008838000127845500016732690002186770000

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and…

Fair value

CHYM fair value $48.08. Price $28.44. Price is 41% below fair value.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 547.98M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 378.59M. Net debt -331.59M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare CHYM

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-11-04—0.10—701.87M
2026-08-050.070.00669.77M641.26M
2026-05-060.130.03647.39M635.72M
2026-02-25-0.12-0.20596.36M577.00M
2025-11-05-0.15-0.24543.52M531.28M
2025-08-07-7.29-4.85528.15M502.79M
2025-05-130.20—518.74M—
2024-12-31-0.05—475.21M—
2024-09-30-0.06—421.87M—
2024-03-310.04—391.97M—
2023-12-31-0.09—341.59M—
2023-09-30-0.19—318.82M—

Dividends

Yield 0.00%. Payout ratio 0.00%. Frequency —.

Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.

Ex-dateDividendRecordPaymentFrequency
No data yet.

Insider trades

DateInsiderActionSharesPriceValue
2026-10-20King Ryan ASell11.32K$31.03351.16K
2026-10-20King Ryan ABuy11.32K$31.03351.16K
2026-10-20King Ryan ASell11.32K$31.03351.16K
2026-10-16Britt Christopher RSell57.56K——
2026-10-16Britt Christopher RBuy57.56K——
2026-10-16King Ryan ASell37.81K——
2026-10-16King Ryan ABuy37.81K——
2026-10-15Britt Christopher RSell67.44K$29.001.96M
2026-10-15King Ryan ASell37.19K$29.001.08M
2026-10-13King Ryan ASell300$31.009.30K
2026-10-13King Ryan ABuy300$31.009.30K
2026-10-13King Ryan ASell300$31.009.30K
2026-10-09King Ryan ASell50.00K$29.401.47M
2026-10-09King Ryan ABuy50.00K$29.401.47M
2026-10-09King Ryan ASell50.00K$29.401.47M
2026-09-16Feuille JamesSell62.22K$31.461.96M
2026-09-16Feuille JamesSell33.18K$32.191.07M
2026-09-16Feuille JamesSell161.44K$32.705.28M
2026-09-15Feuille JamesSell94.45K$33.203.14M
2026-09-15Feuille JamesSell954$33.9532.39K
2026-09-15FRANKEL ADAM BBuy60.00K$16.56993.60K
2026-09-15FRANKEL ADAM BSell86.95K$33.232.89M
2026-09-15FRANKEL ADAM BSell15.05K$33.78508.59K
2026-09-15FRANKEL ADAM BSell60.00K$16.56993.60K
2026-09-14DST Global Advisors LtdSell1.39M$33.9747.10M
2026-09-14DST Global Advisors LtdSell85.71K$34.252.94M
2026-09-14DST Global Advisors LtdSell712.29K$33.9724.20M
2026-09-14DST Global Advisors LtdSell44.03K$34.251.51M
2026-09-14DST Global Advisors LtdSell419.64K$33.9714.26M
2026-09-14DST Global Advisors LtdSell25.94K$34.25888.47K
2026-09-14DST Global Advisors LtdSell218.21K$33.977.41M
2026-09-14DST Global Advisors LtdSell13.49K$34.25462.03K
2026-09-14DST Global Advisors LtdSell144.49K$33.974.91M
2026-09-14DST Global Advisors LtdSell8.93K$34.25305.92K
2026-09-14DST Global Advisors LtdSell119.57K$33.974.06M
2026-09-14DST Global Advisors LtdSell7.39K$34.25253.14K
2026-09-14DST Global Advisors LtdSell28.32K$33.97962.17K
2026-09-14DST Global Advisors LtdSell1.75K$34.2559.97K
2026-09-14DST Global Advisors LtdSell1.39M$33.9747.10M
2026-09-14DST Global Advisors LtdSell85.71K$34.252.94M
2026-09-14DST Global Advisors LtdSell712.29K$33.9724.20M
2026-09-14DST Global Advisors LtdSell44.03K$34.251.51M
2026-09-14DST Global Advisors LtdSell419.64K$33.9714.26M
2026-09-14DST Global Advisors LtdSell25.94K$34.25888.47K
2026-09-14DST Global Advisors LtdSell218.21K$33.977.41M
2026-09-14DST Global Advisors LtdSell13.49K$34.25462.03K
2026-09-14DST Global Advisors LtdSell144.49K$33.974.91M
2026-09-14DST Global Advisors LtdSell8.93K$34.25305.92K
2026-09-14DST Global Advisors LtdSell119.57K$33.974.06M
2026-09-14DST Global Advisors LtdSell7.39K$34.25253.14K
2026-09-14DST Global Advisors LtdSell28.32K$33.97962.17K
2026-09-14DST Global Advisors LtdSell1.75K$34.2559.97K
2026-09-14Feuille JamesSell93.43K$34.083.18M
2026-09-14Feuille JamesSell1.97K$34.4167.86K
2026-09-13King Ryan ASell75.00K——
2026-09-13King Ryan ABuy75.00K——
2026-09-13Britt Christopher RSell125.00K——
2026-09-13Britt Christopher RBuy125.00K——
2026-09-11DST Global Advisors LtdSell94.98K$33.073.14M
2026-09-11DST Global Advisors LtdSell48.80K$33.071.61M
2026-09-11DST Global Advisors LtdSell28.75K$33.07950.78K
2026-09-11DST Global Advisors LtdSell14.95K$33.07494.42K
2026-09-11DST Global Advisors LtdSell9.90K$33.07327.38K
2026-09-11DST Global Advisors LtdSell8.19K$33.07270.89K
2026-09-11DST Global Advisors LtdSell1.94K$33.0764.16K
2026-09-11DST Global Advisors LtdSell94.98K$33.073.14M
2026-09-11DST Global Advisors LtdSell48.80K$33.071.61M
2026-09-11DST Global Advisors LtdSell28.75K$33.07950.78K
2026-09-11DST Global Advisors LtdSell14.95K$33.07494.42K
2026-09-11DST Global Advisors LtdSell9.90K$33.07327.38K
2026-09-11DST Global Advisors LtdSell8.19K$33.07270.89K
2026-09-11DST Global Advisors LtdSell1.94K$33.0764.16K
2026-09-11CAROLAN SHAWN TSell1.80K$33.0559.50K
2026-09-11Feuille JamesSell97.31K$33.033.21M
2026-09-11Feuille JamesSell161.09K$32.895.30M
2026-09-11Marshall CynthiaSell20.00K$33.09661.87K
2026-09-10CAROLAN SHAWN TSell297.32K$33.219.87M
2026-09-10CAROLAN SHAWN TSell3.02K$33.21100.38K
2026-09-10CAROLAN SHAWN TSell1.97K$33.2165.25K
2026-09-10Feuille JamesSell93.49K$33.153.10M
2026-09-09DST Global Advisors LtdSell27.29K$35.03956.01K
2026-09-09DST Global Advisors LtdSell14.02K$35.03491.18K
2026-09-09DST Global Advisors LtdSell8.26K$35.03289.35K
2026-09-09DST Global Advisors LtdSell4.30K$35.03150.47K
2026-09-09DST Global Advisors LtdSell2.84K$35.0399.62K
2026-09-09DST Global Advisors LtdSell2.35K$35.0382.45K
2026-09-09DST Global Advisors LtdSell558$35.0319.54K
2026-09-09DST Global Advisors LtdSell27.29K$35.03956.01K
2026-09-09DST Global Advisors LtdSell14.02K$35.03491.18K
2026-09-09DST Global Advisors LtdSell8.26K$35.03289.35K
2026-09-09DST Global Advisors LtdSell4.30K$35.03150.47K
2026-09-09DST Global Advisors LtdSell2.84K$35.0399.62K
2026-09-09DST Global Advisors LtdSell2.35K$35.0382.45K
2026-09-09DST Global Advisors LtdSell558$35.0319.54K
2026-09-09King Ryan ASell34.94K——
2026-09-09King Ryan ABuy34.94K——
2026-09-09King Ryan ASell42.42K$35.151.49M
2026-09-08Asmerom AmineSell10.00K$32.54325.43K
2026-09-08Asmerom AmineSell9.51K$33.36317.10K
2026-09-01Britt Christopher RSell200.00K——

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 298, holders +57 vs prior quarter. Ownership 76.14%.

HolderSharesChangeChange %Value
GALILEO (PTC) LTD52.27M00.00%1.07B
CROSSLINK CAPITAL INC26.19M00.00%536.28M
GENERAL ATLANTIC, L.P.21.26M00.00%435.40M
MENLO VENTURES MANAGEMENT, L.P.17.44M00.00%357.23M
ASPECT MANAGEMENT, LLC11.93M00.00%244.39M
BLACKROCK, INC.11.24M9.82M+688.90%230.28M
VANGUARD PORTFOLIO MANAGEMENT LLC10.20M169.53K+1.69%208.87M
VANGUARD CAPITAL MANAGEMENT LLC9.22M-344.99K-3.61%188.73M
FORERUNNER VENTURES MANAGEMENT, LLC8.03M-1.00M-11.07%164.48M
CAPITAL RESEARCH GLOBAL INVESTORS5.66M-456.01K-7.46%115.87M
TIGER GLOBAL MANAGEMENT LLC5.28M-5.80M-52.32%108.22M
SOFTBANK GROUP CORP.5.07M00.00%103.78M
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP4.97M2.22M+80.41%101.85M
ORLAND PROPERTIES LTD4.61M00.00%94.41M
DRAGONEER INVESTMENT GROUP, LLC4.31M00.00%88.25M
PATIENT CAPITAL MANAGEMENT, LLC4.08M1.20M+41.65%83.61M
DIVISADERO STREET CAPITAL MANAGEMENT, LP3.63M3.63MNew74.26M
GREENHOUSE FUNDS LLLP3.42M-3.35K-0.10%70.01M
SPYGLASS CAPITAL MANAGEMENT LLC3.41M2.11M+162.59%69.76M
GEODE CAPITAL MANAGEMENT, LLC2.29M1.46M+174.22%65.87M
NORGES BANK3.09M3.09MNew63.23M
MARSHALL WACE, LLP2.69M-704.48K-20.77%55.04M
ASHTON THOMAS PRIVATE WEALTH, LLC2.66M-197.62K-6.93%54.38M
STATE STREET CORP2.52M2.29M+1013.87%51.60M
AMERICAN CENTURY COMPANIES INC2.51M498.94K+24.83%51.37M

Earnings and financials

Chime Financial, Inc. Class A Common Stock (CHYM) trades at $28.44, with a market cap of $10.77B and a trailing P/E of -503.53. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

2022202320242025
1008838000127845500016732690002186770000

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Chime Financial (CHYM) Financials: Revenue & Earnings

CHYM$28.44-0.11 -0.39%

$10.77B

Market Cap

-503.53

P/E

61.85

Forward P/E

52

Score

Price History