NASDAQ: CHYMChime Financial Inc Stock
$20.35-0.26 (-1.26%)
Updated Mar 16, 2026
CHYM Price
$20.35
Fair Value Price
-$15.74
Market Cap
$7.82B
52 Week Low
$16.17
52 Week High
$44.94
P/E
-4.77x
P/B
5.58x
P/S
2.72x
PEG
N/A
Dividend Yield
N/A
Revenue
$2.19B
Earnings
-$1.01B
Gross Margin
88%
Operating Margin
-46.15%
Profit Margin
-46.2%
Debt to Equity
0.4
Operating Cash Flow
$53M
Beta
2.58
Next Earnings
May 13, 2026
Ex-Dividend
N/A
Next Dividend
N/A
CHYM Overview
Chime is a mobile-first fintech platform offering fee-free banking services—such as checking, savings, early paycheck access, and overdraft protection—via partnerships with FDIC-insured banks. It focuses on serving consumers earning under $100K/year and earns mainly through interchange fees.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CHYM's potential to beat the market
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
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CHYM News
Overview
Due Diligence Score
–
Industry Average (27)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CHYM scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CHYM ($20.35) is overvalued by 229.28% relative to our estimate of its Fair Value price of -$15.74 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CHYM ($20.35) is not significantly undervalued (229.28%) relative to our estimate of its Fair Value price of -$15.74 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CHYM is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more CHYM due diligence checks available for Premium users.
Valuation
CHYM fair value
Fair Value of CHYM stock based on Discounted Cash Flow (DCF)
Price
$20.35
Fair Value
-$15.74
Undervalued by
229.28%
CHYM ($20.35) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CHYM ($20.35) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CHYM is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CHYM price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-4.77x
Industry
42.03x
Market
32.08x
CHYM price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
5.58x
Industry
0x
CHYM is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CHYM's financial health
Profit margin
Revenue
$596.4M
Net Income
-$44.8M
Profit Margin
-7.5%
CHYM's Earnings (EBIT) of -$1.01B... subscribe to Premium to read more.
Interest Coverage Financials
CHYM's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.0B
Liabilities
$562.9M
Debt to equity
0.4
CHYM's short-term assets ($1.76B) exceed... subscribe to Premium to read more.
Short-term Liabilities Financials
CHYM's short-term assets ($1.76B) exceed... subscribe to Premium to read more.
Long-term Liabilities Financials
CHYM's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$32.6M
Investing
$54.8M
Financing
-$65.3M
CHYM's operating cash flow ($52.78M)... subscribe to Premium to read more.
Debt Coverage Financials
CHYM vs App Stocks
Chime Financial Stock FAQ
Company
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