CHYM
Chime Financial, Inc.
Next earnings Aug 5, 2026 · consensus $-0.01 EPS, $653M rev
Last earnings +4.5% on 2026-05-06
$20.87
▲ +4.64%$20.87▼ -33.37%
over 1Y
L $16.44H $36.20
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.6%
1W+14.2%
1M+12.2%
3M+8.5%
YTD-20.9%
1Y-33.4%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 26 analysts
Buy
Fast-growing digital-banking app (rev +31%, 88% gross margin); huge GAAP loss is IPO-driven, but profitability is unproven.
Revenue (FY2025) $2.19B · FY2025
Chime is a high-growth consumer fintech — a technology company (not a bank) that delivers digital banking through partners The Bancorp Bank and Stride Bank. The growth story is strong: FY2025 revenue rose 30.7% to $2.19B with an 88.0% gross margin, continuing a steep trajectory from $1.28B in FY2023. The asset-light, interchange-driven model produces high gross margins, and the balance sheet is healthy post-IPO — stockholders' equity jumped 172.6% to $1.40B (IPO proceeds), liabilities/equity is just 0.40x, and operating cash flow was positive at $52.8M.
The alarming headline — a -$1.01B net loss and -$4.27 diluted EPS — is heavily distorted by the 2025 IPO. R&D expense spiked 202.0% to $935M, a jump consistent with one-time IPO-triggered stock-based compensation rather than a collapse in operations; the prior year (FY2024) was nearly breakeven at -$25.3M. So the operating economics are far better than the GAAP loss implies, even if true sustained profitability is not yet established.
Is CHYM a buy? The one-page verdict, explained →
The options angle
model · matches our verdictCovered call~60d expiry
- Long 100 shares @ ~20.87
- Short call 22 @ ~3.01 est
debit $1,786max +$414max −$1,785BE 17.86
HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | $1.28B | $1.67B | $2.19B |
| Gross profit | $1.06B | $1.47B | $1.92B |
| Operating income | -$236M | -$62.2M | -$1.04B |
| Net income | -$203M | -$25.3M | -$1.01B |
| Diluted EPS | -$3.22 | -$0.39 | -$4.27 |
| Net margin | -15.9% | -1.5% | -46.2% |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$7.49B
EV / EBITDA—
EV / Sales3.4
EV / FCF227.6
P / FCF241.7
PEG (trailing)—
Earnings yield-12.7%
FCF yield0.4%
Quality & risk
ROIC (est.)-58.6%
Free cash flow$32.9M
Total debt—
Net cash$466M
Altman Z-Score6.27 safe
Piotroski F-Score4/8
Capital returns
Buyback yield1.0%
Dividend yield (est.)—
Shareholder yield1.0%
Shares Δ YoY+264.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-152026-06-16open ↗144Filing2026-06-15open ↗4Period ending 2026-06-092026-06-10open ↗144Filing2026-06-09open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗8-KPeriod ending 2026-06-022026-06-04open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗
Frequently asked
- Is Chime Financial, Inc. (CHYM) a buy?
- CHYM currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Fast-growing digital-banking app (rev +31%, 88% gross margin); huge GAAP loss is IPO-driven, but profitability is unproven.
- What is Chime Financial, Inc.'s quality score?
- CHYM scores 49.6329946226511/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001795586, latest 10-Q filed 2026-05-07) · EODHD · Proprietary analysis · as of 6/21/2026, 8:55:27 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:55 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.