Chime Financial, Inc. (CHYM)Technology | Software - Application | San Francisco, United States | NasdaqGS
20.95 USD
+0.03
(0.143%)
⇧
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 6:11 a.m. EDT
The immediate catalyst here is the massive shift in sentiment driven by index inclusion and analyst upgrades, pushing the stock toward a 70% upside target despite recent volatility. Technically, the stock has recovered strongly from its lows, trading well above its 50-day moving average, and the options market is screaming 'call,' with heavy positioning at strikes far above the current level. However, the long-term outlook remains murky due to the company's inability to generate net income, evidenced by negative earnings per share and negative return on equity. While revenue is growing at a respectable 25%, the bottom line is still in the red, and the balance sheet carries significant debt relative to equity. With no dividend history to speak of, this is purely a speculative growth play betting on a future turnaround, rather than a value investment. The statistical forecast model offers a weak bearish lean, but given the low confidence and the overwhelming fundamental narrative of a turnaround story supported by strong cash flow, the short-term momentum appears robust enough to outweigh the statistical noise. |
| Model | MAE |
|---|---|
| MSTL_30_45 ✓ | 0.115502 |
| MSTL_30 | 0.120867 |
| AutoTheta | 0.123446 |
| MSTL_45 | 0.129706 |
| MSTL | 0.149975 |
| AutoETS | 0.151619 |
| AutoARIMA | 0.151622 |
Forecast horizon: 60 days | Selected: MSTL_30_45
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 5.11 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.158 |
| Excess Kurtosis | -1.20 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 9.209 |
| Revenue per Share | 7.346 |
| Market Cap | 7,982,351,360 |
| Forward P/E | 13.01 |
| Profit Margins | -41.87% |
| Website | https://www.chime.com |
As of July 11, 2026, 6:11 a.m. EDT: Speculators are overwhelmingly bullish, positioning heavy call volume and open interest at strikes significantly above the current price (25, 27.5, 30, and even 50 for long-dated contracts). This aggressive upside skew contrasts sharply with put activity, which is concentrated at lower strikes or shows mixed positioning. The implied volatility surface reflects this asymmetric bet, with elevated IV on out-of-the-money calls.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.31176084 |
| Address1 | 101 California Street |
| Address2 | Suite 500, Floor 5 |
| All Time High | 44.94 |
| All Time Low | 15.88 |
| Ask | 22.53 |
| Ask Size | 2 |
| Average Analyst Rating | 1.6 - Buy |
| Average Daily Volume10 Day | 4,963,300 |
| Average Daily Volume3 Month | 5,190,573 |
| Average Volume | 5,190,573 |
| Average Volume10Days | 4,963,300 |
| Bid | 19.44 |
| Bid Size | 2 |
| Book Value | 3.767 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 20.95 |
| Current Ratio | 5.069 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 21.435 |
| Day Low | 20.63 |
| Debt To Equity | 9.209 |
| Display Name | Chime Financial |
| Earnings Call Timestamp End | 1,778,101,200 |
| Earnings Call Timestamp Start | 1,778,101,200 |
| Earnings Growth | -0.338 |
| Earnings Quarterly Growth | 3.131 |
| Earnings Timestamp | 1,778,097,600 |
| Earnings Timestamp End | 1,786,046,400 |
| Earnings Timestamp Start | 1,786,046,400 |
| Ebitda | -573,262,976 |
| Ebitda Margins | -0.24759 |
| Enterprise To Ebitda | -12.207 |
| Enterprise To Revenue | 3.022 |
| Enterprise Value | 6,997,989,888 |
| Eps Forward | 1.61 |
| Eps Trailing Twelve Months | -4.14 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 18.7949 |
| Fifty Day Average Change | 2.1550999 |
| Fifty Day Average Change Percent | 0.11466407 |
| Fifty Two Week Change Percent | -31.176085 |
| Fifty Two Week High | 38.67 |
| Fifty Two Week High Change | -17.719997 |
| Fifty Two Week High Change Percent | -0.4582363 |
| Fifty Two Week Low | 15.88 |
| Fifty Two Week Low Change | 5.0700006 |
| Fifty Two Week Low Change Percent | 0.31926957 |
| Fifty Two Week Range | 15.88 - 38.67 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,749,735,000,000 |
| Float Shares | 218,906,926 |
| Forward Eps | 1.61 |
| Forward P E | 13.012423 |
| Free Cashflow | 653,975,232 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,519 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.88351995 |
| Gross Profits | 2,045,709,952 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.07166 |
| Held Percent Institutions | 1.00263 |
| Implied Shares Outstanding | 381,019,139 |
| Industry | Software - Application |
| Industry Disp | Software - Application |
| Industry Key | software-application |
| Ipo Expected Date | 2,025-06-12 |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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 products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California. |
| Long Name | Chime Financial, Inc. |
| Market | us_market |
| Market Cap | 7,982,351,360 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_269197257 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | -956,480,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 7,978,540,770 |
| Number Of Analyst Opinions | 19 |
| Open | 21.84 |
| Operating Cashflow | 166,010,000 |
| Operating Margins | 0.20864001 |
| Payout Ratio | 0.0 |
| Phone | 844 244 6363 |
| Pre Market Change | -1.0278015 |
| Pre Market Change Percent | -4.9059734 |
| Pre Market Price | 19.9222 |
| Pre Market Time | 1,784,029,616 |
| Previous Close | 20.92 |
| Price Hint | 2 |
| Price To Book | 5.561455 |
| Price To Sales Trailing12 Months | 3.447485 |
| Profit Margins | -0.41868 |
| Quick Ratio | 4.102 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.57895 |
| Region | US |
| Regular Market Change | 0.0300007 |
| Regular Market Change Percent | 0.143407 |
| Regular Market Day High | 21.435 |
| Regular Market Day Low | 20.63 |
| Regular Market Day Range | 20.63 - 21.435 |
| Regular Market Open | 21.84 |
| Regular Market Previous Close | 20.92 |
| Regular Market Price | 20.95 |
| Regular Market Time | 1,783,972,801 |
| Regular Market Volume | 4,395,107 |
| Return On Assets | -0.21530001 |
| Return On Equity | -0.80003 |
| Revenue Growth | 0.248 |
| Revenue Per Share | 7.346 |
| Sand P52 Week Change | 0.20365608 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Shares Outstanding | 348,886,850 |
| Shares Percent Shares Out | 0.0502 |
| Shares Short | 19,111,390 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 13,632,208 |
| Short Name | Chime Financial, Inc. |
| Short Percent Of Float | 0.0655 |
| Short Ratio | 3.29 |
| Source Interval | 15 |
| State | CA |
| Symbol | CHYM |
| Target High Price | 40.0 |
| Target Low Price | 21.0 |
| Target Mean Price | 30.15789 |
| Target Median Price | 30.0 |
| Total Cash | 1,117,096,960 |
| Total Cash Per Share | 2.932 |
| Total Debt | 132,736,000 |
| Total Revenue | 2,315,412,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -4.14 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 21.106726 |
| Two Hundred Day Average Change | -0.15672493 |
| Two Hundred Day Average Change Percent | -0.007425355 |
| Type Disp | Equity |
| Volume | 4,395,107 |
| Website | https://www.chime.com |
| Zip | 94,111 |