CHYM

Chime Financial, Inc. NMS · CHYM

$22.33 +0.40 (+1.82%)

Extended · +1.59σ

+ Compare Open in Sniper

Mkt cap $8.5B

P/E —

Day $20.80 – $22.60

52wk $15.88 – $27.74

Avg vol 5.2M

Beta —

Div yld —

Next earnings 2026-08-05

Quick read

Plain English

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.

CHYM last traded at $22.33, up 1.8% on the day; that's in the middle part of its 52-week range ($15.88–$27.74). Right now it's trading above its recent average — momentum is positive, though some of the move may already be in the price.

The next scheduled earnings report (2026-08-05) is the biggest known catalyst on the calendar, and after a strong run, watch whether the price can hold its gains on quieter days.

A plain-English snapshot built from the data on this page — not investment advice. Always do your own research.

Today's read

Grading desk →

above KC1 lower, +1.55 ATR from EMA21 — bullish engulfing

Long —

score 22 · tech 22 / 80 · support 0 / 20

above KC1 lower, +1.55 ATR from EMA21 · bullish engulfing

· Bullish engulfing — body fully covers prior red bar

How this grade was earned

total 22 pts

Cycle position 6

Candle signal 13

Market fit 3

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Short —

score 20 · tech 20 / 80 · support 0 / 20

KC1 upper, +1.55 ATR from EMA21 · no notable pattern

· KC1 upper stretch — light pop
· Aligned with weak downtrend

How this grade was earned

total 20 pts

Cycle position 14

Market fit 6

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

132-Day Trend Zones

Full chart →

21 EMA +1 ATR +2 ATR −2 ATR

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O — H — L — C —

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Valuation & accounting

Valuation desk →

Our cash-flow model pegs fair value near $105.20 (fair range $19–$105); today's price leaves a +79% cushion below that estimate. The model's verdict is “Deep value” and accounting quality screens as Weak. Model estimates only — do your own due diligence.

Intrinsic (DCF)

$105.20

Fair-value range

$18.80 – $105.20

Margin of safety

+79%

Verdict

Deep value

Accounting quality Weak

✓ More cash than debt
✓ Quick ratio 3.54 (antifragile)
✓ Current ratio 4.53 (antifragile)
✓ Debt/equity 0.40 (antifragile)

⚠ Negative retained earnings
⚠ Stock comp 49% of revenue (heavy dilution)

Price implies ~-4% growth (vs trailing rev yoy). Model estimate — do your own due diligence.

Key statistics

All statistics →

CHYM is a $8.5 billion company.

Mkt cap $8.5B

P/E ttm —

Fwd P/E 13.9

Beta —

Day range $20.80 – $22.60

52w range $15.88 – $27.74

Avg vol 5.2M

RSI(2) 86.9

ROE -80.0%

Net mgn -41.9%

FCF mgn 28.2%

Debt/Eq 0.09

Div yld —

Sector Technology

Industry Software - Application

Next earn 2026-08-05

52-week range · today's price

$15.88$27.74

More on CHYM

Options idea

See more →

CALL $22 2026-08-21

$1.97

PUT $22 2026-08-21

$2.98

Earnings

See more →

Last reported: 2026-05-06
EPS (act / est): 0.13 / 0.03
Surprise: +302.7%
Next report: 2026-08-05

About

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, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity pr…