Chime Financial, Inc. Class A Common Stock (CHYM) Fair Value & Analysis

Technology · US · Market cap $8.0B · ISIN US16935C1099

What is Chime Financial, Inc. Class A Common Stock really worth?

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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What matters now

• The price sits above even our optimistic bull case ($4.95). The favourable scenario is already priced in.
• Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• A fairly wide model range ($2.30 to $4.95) leaves room in how you read the outcome.

Price vs Fair Value (15 months)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.

How to read this chart

15‑month range $16.44 – $37.11 · fair‑value band $2.30 – $4.95 · the $33.65 price screens above the $3.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 20, 2026.

Full chart & analysis →

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Analysis

Chime Financial, Inc. Class A Common Stock (CHYM) currently trades at $33.65, while our model-based Fair Value estimate is $3.32, implying the stock looks roughly 915.2% overvalued today. The Quality Score stands at 40/100 (below-average quality), in the Technology sector. Bull case: the Growth DCF group reads highest at a median of $3.48 per share, and 0 of the 3 models we run sit above the $33.65 price. Bear case: the Asset-Based group reads lowest at $2.69, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Over the trailing twelve months, Chime Financial, Inc. Class A Common Stock generated revenue of $2.3B at a net margin of −41.9%. Revenue grew 24.8% year over year. It earns a return on equity of −80.0%. The balance sheet holds a net cash position of $332M. Fundamentals as of Aug 20, 2026

Our scenario range runs from $2.30 (bear case) to $4.95 (bull case); at $33.65, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 25% below its 52-week high and 108% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at −38% fair-value upside, at −90%, CHYM screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Widest divergence: Growth DCF ($3.48) versus Asset-Based ($2.69). Highest evidence: Growth DCF (72).

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2025 · reported fiscal years

Chime Financial, Inc. Class A Common Stock reported revenue of $2.2B in FY2025 versus $1.0B in FY2022, a compound +29.4%/yr. Reported net income was −$1.0B in FY2025.

CHYM screens 915% overvalued. Compare with SAP SE →

Peer Group

Software - Application · 691 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Software - Application median · lower = cheaper

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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