Added to YB: 2026-05-15
Pitch date: 2026-05-13
CHYM [neutral]
Chime Financial, Inc.
Author Info
Bob’s Payment Stock Substack is a former analyst and portfolio manager. Fundamental buy-and-hold investor. Talking stocks and markets. Focus on Payments, Financial Technology, and Payroll and HCM. Sign up for the newsletter.
Company Info
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.
Market Cap
$6.6B
Pitch Price
N/A
Price Target
N/A
Dividend
N/A
EV/EBITDA
-10.23
P/E
-5.72
EV/Sales
2.44
Sector
Financial Services
Category
growth
Payments and FinTech Earnings Recap: Q1 2026 - Chime Financial, Inc.
CHYM (earnings): Q1 card purchase vol $38.7B +12% YoY (down from 16% prior Q), total vol incl instant transfers +15%. Raised FY26 guide, GAAP profit expected in 2026 via op leverage & falling SBC. MyPay yields up to 2.6-2.7% from 1.9% on variable pricing. Risk: vol growth slowing despite 19% active member growth, suggesting lighter engagement. ~30x EV/normalized EBITDA ($431M adj less $250M SBC).
Read full article (1 min)