StockpollyBeta
Get App
Popularity #333
CHYM · NASDAQ · Software - Application

Chime (CHYM)

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

$28.80
After hours+0.18 (+0.63%)
At close$28.62(−4.34%)
Loading prices…

Something off on this page? Send us feedback.

Chime Financial, Inc. Class A Common StockCHYM
Information 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

Market cap$11.40B
EPS (ttm)−$0.0700
P/E (ttm)−427.43
ROE-1.3%
P/B8.11
P/S4.82
Dividend yieldDiv yield—
Beta2.22vs XLK −0.55

Price target$40.00+38.9%Average of 17 analysts
ConsensusBuy16 of 17 analysts
Ratings

Target rangeAs of Sep 22, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Sep 15, 2026Goldman SachsReiterate
Rating: —Target: $33
Rating: BuyTarget: $37
Sep 14, 2026Redburn PartnersTarget
Target: $29
Target: $46
Sep 14, 2026Rothschild & CoUpgrade
Rating: Neutral
Rating: Buy
Sep 9, 2026ScotiabankReiterate
Rating: —Target: $40
Rating: OutperformTarget: $42
Sep 9, 2026Morgan StanleyReiterate
Rating: —Target: $39
Rating: OverweightTarget: $40

Next report
Nov 4, 26
in 43 days
EPS estimate
$0.08
Revenue estimate
$699.2M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Dec '24May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported−$0.05$0.20−$7.29−$0.15−$0.12$0.13$0.07Pending
Estimate——−$4.85−$0.24−$0.20$0.03$0.00$0.08
Surprise——−50.3%+38.4%+40.0%+333.3%——

RevenueReportedEstimate

Dec '24May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported$475.2M$518.7M$528.1M$543.5M$596.4M$647.4M$669.8MPending
Estimate——$502.8M$531.3M$577.0M$635.7M$641.3M$699.2M
Surprise——+5.0%+2.3%+3.4%+1.8%+4.4%—
Estimate$0.08
ReportedDue Nov 4, 2026
Estimate$699.2M
ReportedDue Nov 4, 2026
View details

Debt to equity9.30%
Current ratio13,729.60%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$421.9M$475.2M$518.7M$528.1M$543.5M$596.4M$647.4M$577.0M
Net income−$22.0M−$19.6M$12.9M−$923.4M−$54.7M−$44.8M$53.5M$27.9M
Net margin0.0%0.0%2.5%0.0%0.0%0.0%8.3%4.8%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income−$30.6M−$27.1M$9.1M−$930.6M−$64.7M−$53.8M$46.2M$21.3M
YoY growthLoss narrowedLoss narrowed+81.6%Loss widenedLoss widenedLoss widened+405.2%Turned profit

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

Revenue
$577.0M
Operating income
$21.3M
Net income
$27.9M
View details

No dividends on record.

Institutions≈ 75.35%285.27M shares
298 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail
Insiders10.30%38.98M shares
2 holders · as of Aug 14, 2025
Strategic holders14.69%55.62M shares
2 holders · as of Sep 16, 2026
Adds to100.34%

378.59M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

These groups come from separate filings that can overlap, so they add to 100.34%; nothing is left for Other.

This company has 2 share classes; every stake here is a share of the whole company.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
Galileo (PTC) LtdInstitution
13.81%52.27M Aas of Jun 30, 2026
DST Global Advisors Ltd1Strategic10 percent owner
9.51%36.02M Afiled Sep 16, 2026
Crosslink Capital IncInstitution
6.92%26.19M Aas of Jun 30, 2026
General Atlantic, L.P.Institution
5.62%21.26M Aas of Jun 30, 2026
Christopher R. Britt2Insiderdirector, officer: Chief Executive Officer
5.40%360,417 A · 14.17M B · 368,236filed Aug 14, 2025
  1. DST Global Advisors Ltd reports a block also reported by Galileo (PTC) Ltd; it is counted once, under Galileo (PTC) Ltd.
  2. The filed share classes (A, B, COMMON) could not be matched to the company's, so no percentage.

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Sep 14, 2026DST Global Advisors Ltd10 percent owner−3,216,189$33.99
Sep 16, 2026James Feuilledirector−256,837$32.33
Sep 15, 2026James Feuilledirector−95,400$33.21
Sep 14, 2026James Feuilledirector−95,400$34.09
Sep 15, 2026Adam B. Frankelofficer: General Counsel−102,002$33.31
View details

  • Block

    Cash App overlaps in digital banking and person-to-person payments

  • SoFi

    Digital checking and savings platform with banking and lending breadth

  • PayPal

    Venmo overlaps in mobile payments, debit spending, and direct deposit

  • Dave

    Mobile-first neobank focused on fee-free banking and short-term liquidity

CompareAfter hours

CompanyPriceChange
Chime$28.80+0.63%$11.40B—42.84.8+26.8%
Block$77.31−0.27%$46.37B139.116.91.9+9.3%
SoFi$17.17+0.06%$21.77B35.423.43.9+41.0%
PayPal$53.00+0.23%$45.01B9.99.51.3+4.8%
Dave$350.76−0.80%$4.71B22.719.47.3+29.7%
Median29.018.22.9+19.5%