Chime Financial stock
CHYMNASDAQChime Financial, Inc., TechnologyISIN US16935C1099
61Score 61 out of 100, Neutral
Price and trend
86 / 100
Price history
+62% in one yearThe chart shows daily closes over 1 year, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 38% above it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 67).
The price is 4.3% below its 52-week high. Largest decline in 1 year: 56% (June 2025 to June 2026).
Chart figures for advanced users
- SMA 50$29.94
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$23.95
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)67
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$16.44
- The lowest closing price of the last twelve months.
- Resistance$34.55
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Chime Financial, Inc. belongs to the Software (Application) industry (United States) and, with a market value of $12.49B, is number 43 of 189 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $2.19B (up 30.7% year on year) and a loss of $1.01B.
- For fiscal 2026, analysts expect on average revenue of $2.79B (up 27.4%) and adjusted earnings per share of $0.49.
Show more
- MEQIRI Score 61 out of 100 (Neutral): rank 422 of 857 in Technology, median 61.
- Our model puts fair value at $35.54, with the price 7% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow above 500% of earnings over the last 12 months.Fundamentals 50
- Growing faster than its industryRevenue up 29.4% a year since 2022, Software (Application) median 17.3%.Growth 70
- More cash than debtCash $1.18B, financial debt $115.12M.Stability 71
Weaknesses
- Volatile share priceVolatility 61% a year over the last 12 months.
Its standout strengths are momentum and technical analysis, while capital allocation and valuation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $23.70 and expensive above $71.09 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $64.92 (cash-flow model) and $6.17 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.6%. At 10.6% the fair value would be $29.90, at 8.6% it would be $43.63.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (30.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 27.4% on the twelve months before. Revenue has grown strongly since 2022, at around 29% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 86%, operating −48%, net −46%. Last 12 months: net 3%.
Debt & balance sheet
latest quarterDebt is low; no interest coverage is reported.
Earnings
- Next earnings
- 24 Feb 2027in 104 days
- Last reported
- 4 Nov 2026EPS reported $0.11 (expected $0.10)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 5.7% since 15 Oct 2026.
- Earnings per share
- $0.49+5.7%
- Revenue
- $2.79B+0.7%
- Earnings per share
- $0.98+3.7%
- Revenue
- $3.42B+1.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +25.3%Guidance raised: 1.8 million net new active members in 2026 (original goal 1.4 million), midpoint for revenue about $60 million higher and for EBITDA about $47 million higher according to an analyst.
“With this momentum, we now expect to add 1.8 million net new active members in 2026, our largest cohort ever and well above our original goal of $1.4 million for the year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 8 insiders sold, $945.77M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- DST Global Advisors LtdSale
6 Nov 2026, Major holder
- Shares
- 1,319,027
- Price
- $31.13
- Value
- $41.06M
- DST Global Advisors LtdSale
6 Nov 2026, Major holder
- Shares
- 1,319,027
- Price
- $31.13
- Value
- $41.06M
- DST Global Advisors LtdSale
5 Nov 2026, Major holder
- Shares
- 10,740
- Price
- $32.10
- Value
- $344,711
Show 38 more
- DST Global Advisors LtdSale
5 Nov 2026, Major holder
- Shares
- 10,740
- Price
- $32.10
- Value
- $344,711
- King Ryan ASale
5 Nov 2026, Co-Founder
- Shares
- 63,382
- Price
- $31.32
- Value
- $1.99M
- King Ryan ASale
20 Oct 2026, Co-Founder
- Shares
- 11,318
- Price
- $31.03
- Value
- $351,162
- King Ryan ASale
13 Oct 2026, Co-Founder
- Shares
- 300
- Price
- $31.00
- Value
- $9,300
- King Ryan ASale
9 Oct 2026, Co-Founder
- Shares
- 50,000
- Price
- $29.40
- Value
- $1.47M
- Feuille JamesSale
16 Sept 2026, Board
- Shares
- 256,837
- Price
- $32.33
- Value
- $8.3M
- Feuille JamesSale
15 Sept 2026, Board
- Shares
- 95,400
- Price
- $33.21
- Value
- $3.17M
- Frankel Adam BSale
15 Sept 2026, General Counsel
- Shares
- 102,002
- Price
- $33.31
- Value
- $3.4M
- DST Global Advisors LtdSale
14 Sept 2026, Major holder
- Shares
- 3,216,189
- Price
- $33.99
- Value
- $109.31M
- DST Global Advisors LtdSale
14 Sept 2026, Major holder
- Shares
- 3,216,189
- Price
- $33.99
- Value
- $109.31M
- Feuille JamesSale
14 Sept 2026, Board
- Shares
- 95,400
- Price
- $34.09
- Value
- $3.25M
- DST Global Advisors LtdSale
11 Sept 2026, Major holder
- Shares
- 207,513
- Price
- $33.07
- Value
- $6.86M
- DST Global Advisors LtdSale
11 Sept 2026, Major holder
- Shares
- 207,513
- Price
- $33.07
- Value
- $6.86M
- Carolan Shawn TSale
11 Sept 2026, Board
- Shares
- 1,800
- Price
- $33.05
- Value
- $59,499
- Feuille JamesSale
11 Sept 2026, Board
- Shares
- 258,398
- Price
- $32.94
- Value
- $8.51M
- Marshall CynthiaSale
11 Sept 2026, Board
- Shares
- 20,000
- Price
- $33.09
- Value
- $661,866
- Carolan Shawn TSale
10 Sept 2026, Board
- Shares
- 302,306
- Price
- $33.21
- Value
- $10.04M
- Feuille JamesSale
10 Sept 2026, Board
- Shares
- 93,492
- Price
- $33.15
- Value
- $3.1M
- DST Global Advisors LtdSale
9 Sept 2026, Major holder
- Shares
- 59,630
- Price
- $35.03
- Value
- $2.09M
- DST Global Advisors LtdSale
9 Sept 2026, Major holder
- Shares
- 59,630
- Price
- $35.03
- Value
- $2.09M
- King Ryan ASale
9 Sept 2026, Co-Founder
- Shares
- 42,421
- Price
- $35.15
- Value
- $1.49M
- Asmerom AmineSale
8 Sept 2026, Chief Accounting Officer
- Shares
- 19,505
- Price
- $32.94
- Value
- $642,529
- Britt Christopher RSale
1 Sept 2026, Chief Executive Officer
- Shares
- 200,000
- Price
- $32.04
- Value
- $6.41M
- Britt Christopher RSale
28 Aug 2026, Chief Executive Officer
- Shares
- 100,000
- Price
- $34.03
- Value
- $3.4M
- DST Global Advisors LtdSale
26 Aug 2026, Major holder
- Shares
- 1,168,667
- Price
- $33.04
- Value
- $38.61M
- DST Global Advisors LtdSale
26 Aug 2026, Major holder
- Shares
- 1,168,667
- Price
- $33.04
- Value
- $38.61M
- DST Global Advisors LtdSale
25 Aug 2026, Major holder
- Shares
- 80,914
- Price
- $33.06
- Value
- $2.68M
- DST Global Advisors LtdSale
25 Aug 2026, Major holder
- Shares
- 80,914
- Price
- $33.06
- Value
- $2.68M
- DST Global Advisors LtdSale
24 Aug 2026, Major holder
- Shares
- 1,775,044
- Price
- $33.09
- Value
- $58.74M
- DST Global Advisors LtdSale
24 Aug 2026, Major holder
- Shares
- 1,775,044
- Price
- $33.09
- Value
- $58.74M
- DST Global Advisors LtdSale
21 Aug 2026, Major holder
- Shares
- 473,694
- Price
- $32.71
- Value
- $15.49M
- DST Global Advisors LtdSale
21 Aug 2026, Major holder
- Shares
- 473,694
- Price
- $32.71
- Value
- $15.49M
- DST Global Advisors LtdSale
20 Aug 2026, Major holder
- Shares
- 383,031
- Price
- $33.02
- Value
- $12.65M
- DST Global Advisors LtdSale
20 Aug 2026, Major holder
- Shares
- 383,031
- Price
- $33.02
- Value
- $12.65M
- DST Global Advisors LtdSale
19 Aug 2026, Major holder
- Shares
- 4,456,157
- Price
- $32.66
- Value
- $145.53M
- DST Global Advisors LtdSale
19 Aug 2026, Major holder
- Shares
- 4,456,157
- Price
- $32.66
- Value
- $145.53M
- DST Global Advisors LtdSale
18 Aug 2026, Major holder
- Shares
- 353,812
- Price
- $32.21
- Value
- $11.4M
- DST Global Advisors LtdSale
18 Aug 2026, Major holder
- Shares
- 353,812
- Price
- $32.21
- Value
- $11.4M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Chime Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
857 rated companies in Technology
- This company
- 61
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
- Grab HoldingsGRAB $13.23B55
- Guidewire SoftwareGWRE $13.07B57
- Bentley SystemsBSY $12.91B73
- DynatraceDT $12.69B64
- Procore TechnologiesPCOR $11.6B47
- Paycom SoftwarePAYC $10.93B87
- FigmaFIG $10.1B37
- HubSpotHUBS $9.91B62
ETFs that hold Chime Financial
Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Digitalisation UCITS ETF2B79 | 0.39% | 0.40% | €726.22M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.04% | 0.43% | €2.48B |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.04% | 0.35% | €8.19B |
Show 5 more
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.02% | 0.35% | €434.1M |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.01% | 0.25% | €175.89M |
| Vanguard ESG Global All Cap UCITS ETF (USD) AccumulatingV3AA | 0.01% | 0.24% | €1.69B |
| Vanguard FTSE Global All-Cap UCITS ETF Accum USDVGLA | 0.01% | 0.07% | €3.9B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.