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CHYMCHYMTechnology · Software - Application

CHYM Stock Forecast: Chime Financial, Inc. Price Predictions for 2026-2027

Last close, 3 Aug 2026
$24
+5.52% on the day

The 21 Wall Street analysts covering Chime Financial, Inc. hold a median 12-month price target of $29 — +19.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 12 of 100 as at 1 Aug 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$8.8B
Ticker Nerd rank
12 / 100
Median analyst target
$29
Analysts covering
21
Total return, dividends reinvested
1W
+11.0%
1M
+16.2%
YTD
−3.6%
1Y
−25.7%
From 52W high
−28.4%
From 52W low
+47.6%
$16
$34
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CHYM stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Chime Financial, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 1 Aug 2026
12 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
92
Growth
41
Issuance
31
Value
25
Volatility
21
Momentum
18
Size
17
Accruals
13
Quality
7

Revisions (92): Analysts have, on balance, been raising their forecasts.

Quality (7): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

The rank is the raw material. Whether the rules would actually own Chime Financial, Inc. — and when they’d sell — is the membership.

Wall Street

CHYM stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CHYM, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$15$20$25$30$35$40Oct 25Jan 26Apr 26Jul 26CHYMHigh $40Median $29Low $21

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

What Wall Street says21 analysts
18 Buy3 Hold0 Sell
Low $21Median $29High $40

The green dot is the last close — the median target sits +19.5% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
31 July 2026Canaccord GenuityMaintainsBuy$40
22 July 2026BMO CapitalMaintainsOutperform—
22 July 2026BMO CapitalMaintainsOutperform$30 → $28
8 July 2026BarclaysInitiatesOverweight—
8 July 2026BarclaysInitiatesOverweight$26
11 May 2026Canaccord GenuityMaintainsBuy—
7 May 2026Wells FargoMaintainsOverweight—
22 Apr 2026BMO CapitalInitiatesOutperform—
13 Apr 2026Compass PointUpgradeBuy—
13 Apr 2026Wells FargoInitiatesOverweight—
4 Mar 2026KeybancInitiatesOverweight—
26 Feb 2026Evercore ISI GroupMaintainsOutperform—
26 Feb 2026UBSMaintainsNeutral—
26 Jan 2026Rothschild & CoInitiatesNeutral—
6 Jan 2026Goldman SachsMaintainsBuy—
11 Dec 2025B. Riley SecuritiesInitiatesBuy—
1 Dec 2025Goldman SachsUpgradeBuy—
6 Nov 2025JP MorganMaintainsOverweight—
6 Nov 2025Piper SandlerMaintainsOverweight—
6 Nov 2025UBSMaintainsNeutral—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Estimates

CHYM analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+100.6%
Analysts raising
1
Analysts cutting
1
Fundamentals

Chime Financial, Inc. (CHYM) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
−5.7×

Cheaper than 90% of US stocks

Price / sales
4.0×

Cheaper than 31% of US stocks

Price / book
6.4×

Cheaper than 16% of US stocks

EV / EBITDA
−13.6×

Cheaper than 87% of US stocks

Growth & margins
Revenue growth (YoY)
24.8%

Higher than 76% of US stocks

Earnings growth (YoY)
313.1%

Higher than 94% of US stocks

Gross margin
89.6%

Higher than 96% of US stocks

Operating margin
20.9%

Higher than 81% of US stocks

Net margin
−41.9%

Higher than 11% of US stocks

Returns & dividend
Return on equity
−80.0%

Higher than 16% of US stocks

Return on assets
−21.5%

Higher than 19% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Peers

CHYM vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelSoftware - Application
CompanyMarket capTKN rank
CHYMChime Financial, Inc.$8.8B
12
PCORProcore Technologies, Inc.$8.3B
34
FROGJFrog Ltd.$9.4B
71
IDCCInterDigital, Inc.$7.8B
87
PAYCPaycom Software, Inc.$7.8B
74
TTANServiceTitan, Inc.$7.7B
70
PCTYPaylocity Holding Corp.$7.5B
85
Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CHYM appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

News

Latest CHYM news & analysis

Allied Universal Partners with Chime to Deliver Fee-Free Financial Solutions to Hundreds of Thousands of Employees

Business Wire · 3 Aug 2026positive

Chime announced Allied Universal, a global security and facility services company, as its newest employer partner, expanding access to Chime's fee-free financial wellness tools to hundreds of thousands of frontline employees. The release also notes momentum with First Student, which deployed Chime Workplace earlier this year and is already seeing positive results.

Why it matters — A CHYM watcher would care because new large employer partnerships like Allied Universal expand Chime's user base and adoption of its workplace financial tools.

Chime Cuts 10% of Workforce in AI Pivot

PYMNTS · 31 July 2026negative

Chime Financial is laying off about 150 employees, or 10% of its workforce, according to a Bloomberg report citing a memo from CEO Chris Britt. The company declined to comment when reached by PYMNTS.

Why it matters — A 10% workforce reduction signals a significant operational shift at Chime, which investors tracking CHYM would want to monitor for potential impacts on growth and efficiency.

Chime to cut 10% of total workforce, or about 140 jobs, source says

Reuters · 31 July 2026negative

Chime is laying off approximately 140 employees, representing 10% of its total workforce, according to a source cited by Reuters.

Why it matters — The job cuts signal potential cost pressures or restructuring at the company, which may affect its growth trajectory and valuation ahead of a possible public listing.

Chime Financial, Inc. (CHYM) May Report Negative Earnings: Know the Trend Ahead of Next Week's Release

Zacks Investment Research · 29 July 2026negative

Zacks Investment Research reported that Chime Financial, Inc. (CHYM) lacks the right combination of key ingredients for a likely earnings beat in its upcoming report. The article suggests the company may report negative earnings ahead of next week's release.

Why it matters — CHYM watchers would care because the report discusses the company's earnings prospects ahead of its upcoming quarterly release.

FAQ

Frequently asked questions about CHYM stock

What is the CHYM stock price forecast for 2026-2027?

The 21 Wall Street analysts covering Chime Financial, Inc. have a median 12-month price target of $29, with estimates ranging from $21 to $40. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CHYM stock a buy right now?

Of the 21 analysts covering Chime Financial, Inc., 18 rate it a Buy, 3 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Chime Financial, Inc. 12 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CHYM?

As at 1 Aug 2026, Chime Financial, Inc. ranks 12 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (92 of 100).

Will CHYM stock go up?

No one can know that. What the data says: the median 12-month target from 21 analysts implies +19.5% from the last close, and Ticker Nerd's factor model ranks Chime Financial, Inc. 12 out of 100 as at 1 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CHYM stock forecast for 2030?

No analyst covering Chime Financial, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CHYM are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $21 to $40 over the next 12 months.

How has CHYM stock performed over the past year?

Chime Financial, Inc. returned -25.7% over the 12 months to 3 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Chime Financial, Inc. do?

Chime Financial, Inc. – Class A Common Stock represents ownership in a U.S.-based financial technology company that offers mobile-first, consumer-focused banking services.

What is the latest news on CHYM?

The most recent item we track (Business Wire, 3 Aug 2026): "Allied Universal Partners with Chime to Deliver Fee-Free Financial Solutions to Hundreds of Thousands of Employees". Chime announced Allied Universal, a global security and facility services company, as its newest employer partner, expanding access to Chime's fee-free financial wellness tools to hundreds of thousands of frontline employees. The release also notes momentum with First Student, which deployed Chime Workplace earlier this year and is already seeing positive results.

Company

About Chime Financial, Inc.

Chime Financial, Inc. – Class A Common Stock represents ownership in a U.S.-based financial technology company that offers mobile-first, consumer-focused banking services. Chime Financial, Inc. operates a digital banking platform delivered primarily through its mobile application, providing features such as online checking and savings accounts, fee-free overdraft up to certain limits, early access to direct deposits, automatic savings tools, and debit card-based payments. The company partners with regulated banks to deliver these services while focusing on user experience, low fees, and transparency in everyday money management. Chime Financial, Inc. targets mass-market consumers seeking accessible, app-driven alternatives to traditional retail banking, with capabilities including mobile payments, account alerts, and security and control features such as card locking. Founded in 2012 and headquartered in San Francisco, California, Chime Financial, Inc. plays a notable role in the broader fintech ecosystem by expanding access to digital banking solutions and competing with both incumbent banks and other neobanks.

CEO Mr. Christopher R. Britt · 1,519 employees · United States · https://www.chime.com