Added to YB: 2026-03-16
Pitch date: 2026-03-12
CHYM [neutral]
Chime Financial, Inc.
-4.76%
current return
Author Info
No bio for this author
Company Info
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions.
Market Cap
$8.8B
Pitch Price
$21.64
Price Target
45.00 (+118%)
Dividend
N/A
EV/EBITDA
-12.96
P/E
-5.36
EV/Sales
3.57
Sector
Financial Services
Category
growth
Chime $CHYM 2025 Q4 Earnings Report Sharing
CHYM (earnings): Q4 rev $596M (+25% YoY), FY25 $2.2B (+31% YoY). 72% transaction margin (up 300bps) via proprietary ChimeCore platform. MyPay at $400M run-rate w/ 1% loss rate. GAAP profit expected 2026. Q1 guide $627M-$637M vs est $620.7M; FY26 guide $2.63B-$2.67B vs est $2.61B. 8.5M active members, ARPAM $274 (+13% YoY). Premium launch Q2. PT $45. Risks: partner bank regulation, CFPB oversight on EWA, macro/job market weakness.
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