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CHYM
$17.07-0.50 (-2.85%)
Market ClosedLast close Jun 9
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Chime Financial, Inc. in the Technology sector is trading at $17.07 with a market capitalization of $6.7B. Wall Street consensus targets $30.61 (18 analysts), implying a +79.3% move over the next 12 months. The stock is currently near its 52-week low of $16.17, remaining 21.4% below its 200-day moving average. On fundamentals, Piotroski 5/9 shows mixed financial quality, Altman Z in the safe zone. The Whystock Score of 60/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Sell-side targets imply +79.3% upside over 12 months
Long-term trend bearish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
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Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$17.07
Potential Downside
0%
Whystock Fair Value$17.07
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus18 analysts
Buy
Mean target$30.61+79.3%
Range$21.00 – $40.00
Fundamentals
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, ...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$6.72B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
-
Beta
High-beta play. Expect amplified moves vs. the broad market.
-
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
-67.25%
Volume
Today's trading volume
4.69M
Recent News
Ally Financial vs. Chime Financial Inc. Class A Common Stock: Which Financial Stock Is a Better Buy in 2026?
Ally's automotive lending scale meets Chime's rapid digital growth, but their contrasting risk profiles and valuations reveal key differences for investors.
Assessing Chime Financial (CHYM) Valuation As Shares Struggle After Recent Weak Three Month Performance
Chime Financial (CHYM) is back in focus after investors reacted to its latest share price moves, with the stock closing at US$17.57 and recent returns showing mixed performance over the past week and over the past 3 months. See our latest analysis for Chime Financial. The recent 1 day share price return of 0.51% sits against a weaker backdrop, with the 30 day share price return down 4.64% and the 90 day share price return down 21.25%, suggesting momentum has been fading rather than...
Chime Financial CEO Maps Growth Roadmap, $2.7B Revenue Target at Conference
Chime Financial (NASDAQ:CHYM) founder and CEO Chris Britt outlined the digital banking company’s growth strategy, product roadmap and margin targets during a presentation at the William Blair conference, emphasizing Chime’s focus on primary checking relationships and mainstream U.S. consumers. Brit
Chime CEO says hundreds of thousands of its members are setting up Trump accounts as it pushes into investing
Chime looks to be a key player in the Trump Accounts game.
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