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CHYM · NASDAQ · Software - Application

Chime

Delivers digital account experiences through FDIC-insured partner banks without customary account fees.

$32.96

After-hours close−0.21 (−0.63%)

At close$33.17(−0.57%)

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Profile

Chime Financial, Inc. Class A Common StockCHYMInformation Technology

Provides a digital account experience and related financial services to consumers through FDIC-insured partner banks. The fintech's model avoids overdraft, monthly-service, and minimum-balance fees while it handles most customer service.

Delivers a consumer digital account experience through its app and FDIC-insured partner banks, The Bancorp Bank, N.A. and Stride Bank, N.A. Banking services are supplied by those banks, while the company is responsible for most customer service on consumer accounts.

Its stated model avoids punitive overdraft, monthly-service, and minimum-balance fees, connecting the member experience to convenience and transparency. Founded in 2012 by Chris Britt and Ryan King, the company became a Nasdaq issuer in 2025.

The business is a fintech rather than an FDIC-insured bank, so its consumer offering depends on the partner-bank arrangement. Chime operates from San Francisco and also lists Chicago and New York offices.

Company facts

CEOChris Britt

ListedJun 12, 2025

ExchangeNASDAQ

HeadquartersSan Francisco, CA

CountryUnited States

Employees1,465

CIK0001795586

ISINUS16935C1099

Key statistics

Market cap$12.65B

EPS (ttm)−$0.0700

P/E (ttm)−474.29

ROE-1.3%

P/B9.00

P/S5.35

Dividend yield—

Beta2.28vs XLK −0.55

Year to date +25.6% · Average volume (30d) 8.3M

Analysts

Price target, next 12 months$35.00+5.4%Median of 14 analysts · vs the Aug 28 close

ConsensusBuy13 of 14 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $33.20

High$45.00+35.5%

Median$35.00+5.4%

Low$28.00−15.7%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Aug 25, 2026	Wolfe Research	Reiterate	Outperform	$32	$38
Aug 25, 2026	Wells Fargo	Reiterate	Overweight		$39
Aug 18, 2026	Morgan Stanley	Reiterate	Overweight	$33	$39
Aug 7, 2026	Barclays	Reiterate	Overweight	$26	$33
Aug 6, 2026	Morgan Stanley	Reiterate	Overweight	$31	$33

Earnings

EPS

Estimate$0.07

ReportedDue Nov 4, 2026

Revenue

Estimate$686.5M

ReportedDue Nov 4, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 5, 2026Q2 FY26	$0.00	$0.07	—	$641.3M	$669.8M	+4.4%	+20.56%
May 6, 2026Q1 FY26	$0.03	$0.13	+333.3%	$635.7M	$647.4M	+1.8%	−12.52%
Feb 25, 2026Q4 FY25	−$0.20	−$0.12	+40.0%	$577.0M	$596.4M	+3.4%	+13.55%
Nov 5, 2025Q3 FY25	−$0.24	−$0.15	+38.4%	$531.3M	$543.5M	+2.3%	−5.39%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$518.7M	$528.1M	$543.5M	$596.4M	$647.4M	$577.0M
Gross profit	$458.3M	$461.0M	$474.1M	$530.3M	$568.5M	$490.2M
Operating income	$9.1M	−$930.6M	−$64.7M	−$53.8M	$46.2M	$21.3M
Net income	$12.9M	−$923.4M	−$54.7M	−$44.8M	$53.5M	$27.9M
Diluted EPS	$0.20	−$2.49	−$0.15	−$0.12	$0.13	$0.07
Gross margin	88.4%	87.3%	87.2%	88.9%	87.8%	85.0%
Operating margin	1.8%	-176.2%	-11.9%	-9.0%	7.1%	3.7%

Fiscal years (4-quarter sums)FY24 $1.67B · FY25 $2.19B

Revenue by product · Q2 FY26

Payments Revenue$430.0M · 100%

Balance sheet, Jun 30, 2026Cash & short-term investments $1.06B · Total debt $130.9M · Total assets $2.00B · Shareholders' equity $1.40B

Dividends

No dividends on record.

Ownership

Institutions 76.82%292.68M sharesInsiders 15.79%60.16M sharesOther 7.39%28.18M shares

Shares outstanding 381.02M · Float 225.65M · 59.2% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Galileo (PTC) Ltd	52.27M	13.72%	13F	Aug 5, 2026
Crosslink Capital Inc	26.19M	6.87%	13F	Aug 14, 2026
General Atlantic, L.P.	21.26M	5.58%	13F	Aug 14, 2026
Access Industries Management, LLC	19.60M	5.80%	13G	Aug 5, 2025
Shawn T. Carolan · director	17.46M	4.58%	Form 4	Jun 4, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 26, 2026	DST Global Advisors Ltd	10 percent owner	−1,168,667	$33.04
Aug 25, 2026	DST Global Advisors Ltd	10 percent owner	−80,914	$33.06
Aug 24, 2026	DST Global Advisors Ltd	10 percent owner	−1,775,044	$33.09
Aug 21, 2026	DST Global Advisors Ltd	10 percent owner	−473,694	$32.71
Aug 20, 2026	DST Global Advisors Ltd	10 percent owner	−383,031	$33.02