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CHYMCHYMTechnology · Software - Application

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

Last close, 30 Oct 2026
$28
−3.19% on the day

The 24 Wall Street analysts covering Chime Financial, Inc. hold a median 12-month price target of $40 — +43.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 47 of 100 as at 30 Oct 2026 — in the lower half.

Market cap
$10.9B
Ticker Nerd rank
47/ 100
Median analyst target
$40
Analysts covering
24
Revenue$669.8M+26.8% y/y
Operating income$21.3M
Net income$27.9M
Free cash flow$197.5M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−5.5%
1M
+4.9%
YTD
+11.0%
1Y
+63.9%
From 52W high
−19.1%
From 52W low
+70.0%
$16
$35
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 30 Oct 2026
47/ 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
98
Growth
97
Momentum
64
Issuance
35
Quality
31
Value
30
Accruals
29
Volatility
19
Size
14

Revisions (98): Analysts have, on balance, been raising their forecasts.

Volatility (19): The share price moves around a lot.

Size (14): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

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
$10$20$30$40$50Jan 26Apr 26Jul 26Oct 26CHYMHigh $50Median $40Low $31

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

Data provided by Twelve Data

What Wall Street says24 analysts
22 Buy2 Hold0 Sell
Low $31Median $40High $50

The green dot is the last close — the median target sits +43.1% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 9 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
8 Oct 2026Deutsche BankUpgradeBuy$30 → $35
15 Sept 2026Goldman SachsMaintainsBuy$33 → $37
15 Sept 2026Goldman SachsMaintainsBuy—
14 Sept 2026B. Riley SecuritiesMaintainsBuy$37 → $44
14 Sept 2026B. Riley SecuritiesMaintainsBuy—
14 Sept 2026Rothschild & CoUpgradeBuy—
14 Sept 2026Rothschild & CoUpgradeBuy$46
9 Sept 2026BarclaysMaintainsOverweight$33 → $40
9 Sept 2026BarclaysMaintainsOverweight—
9 Sept 2026Canaccord GenuityMaintainsBuy—
9 Sept 2026Canaccord GenuityMaintainsBuy$45 → $50
9 Sept 2026Evercore ISI GroupMaintainsOutperform—
9 Sept 2026Evercore ISI GroupMaintainsOutperform$39 → $42
9 Sept 2026KeybancMaintainsOverweight—
9 Sept 2026KeybancMaintainsOverweight$33 → $40
9 Sept 2026Loop CapitalInitiatesBuy—
9 Sept 2026Loop CapitalInitiatesBuy$45
9 Sept 2026Morgan StanleyMaintainsOverweight$39 → $40
9 Sept 2026Morgan StanleyMaintainsOverweight—
9 Sept 2026Piper SandlerMaintainsOverweight$35 → $40

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

Market Radar

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

CHYM appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

CHYM vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 30 Oct 2026, Chime Financial, Inc. returned +63.9% against +12.4% for the S&P 500, dividends included.

CHYM vs S&P 500, last 12 monthsTotal return, rebased to 100
80100120140160180200Jan 26Apr 26Jul 26Oct 26CHYMS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

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
+42.4%
Analysts raising
12
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
32.8×

Cheaper than 23% of US stocks

Price / sales
4.4×

Cheaper than 26% of US stocks

Price / book
7.8×

Cheaper than 12% of US stocks

EV / EBITDA
25.9×

Cheaper than 10% of US stocks

Growth & margins
Revenue growth (YoY)
26.8%

Higher than 76% of US stocks

Earnings growth (YoY)
26.8%

Higher than 64% of US stocks

Gross margin
88.8%

Higher than 96% of US stocks

Operating margin
18.6%

Higher than 77% of US stocks

Net margin
−0.7%

Higher than 29% of US stocks

Returns & dividend
Return on equity
−1.3%

Higher than 43% of US stocks

Return on assets
12.0%

Higher than 95% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

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

Key statistics

Chime Financial, Inc. (CHYM) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Chime Financial, Inc. has a market value of $10.9B and an enterprise value of $9.9B.

  • Revenue in the twelve months to 30 June 2026: $2.5B. The latest quarter grew 26.8% year on year.

  • Net income over the same four quarters: −$18.2M, a −0.7% net margin.

  • Diluted earnings per share, trailing twelve months: $−0.07.

  • Free cash flow in the twelve months to 30 June 2026: $308.9M, after $3.3M of capital spending.

  • Chime Financial, Inc. spent $299.6M on share buybacks in the twelve months to 30 June 2026.

  • Shares outstanding: 378.7M.

  • Trailing P/E: 32.8×; forward P/E: 17.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • Chime Financial, Inc. employs 1,519 people — $1.6M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 30 Oct 2026

Data provided by Twelve Data

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.$10.9B47
GRABGrab Holdings Ltd. (Singapore)$11.1B36
FROGJFrog Ltd.$11.2B74
FIGFigma, Inc.$11.3B25
ESTCElastic NV$10.1B73
PAYCPaycom Software, Inc.$11.7B80
HUBSHubSpot, Inc.$11.7B94

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Chime Financial, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CHYM news & analysis

Wall Street Analysts See a 33.33% Upside in Chime Financial, Inc. (CHYM): Can the Stock Really Move This High?

Zacks Investment Research · 29 Oct 2026positive

Zacks Investment Research reports that Wall Street analysts’ average price targets imply a potential 33.3% upside for Chime Financial (CHYM). It notes the metric’s effectiveness is questionable, while recent earnings estimate revisions have been positive.

Why it matters — CHYM watchers may note the analyst target average and the positive trend in earnings estimate revisions, alongside the source’s caveat about the metric.

Chime to Participate in KBW Fintech Ecosystem Conference

Business Wire · 26 Oct 2026neutral

Chime said CEO and co-founder Chris Britt will participate in a fireside chat at the KBW Fintech Ecosystem Conference in New York City on November 11, 2026. A live webcast will be available on Chime’s Investor Relations website, with a replay available for a limited period afterward.

Why it matters — The announcement gives CHYM watchers details on an upcoming executive appearance and how to access it.

Chime to Announce Third Quarter 2026 Financial Results on November 4, 2026

Business Wire · 14 Oct 2026neutral

Chime will release its third-quarter 2026 financial results after market close on November 4, 2026. The company will hold a conference call at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time), with a live webcast and a replay available through its Investor Relations website.

Why it matters — CHYM watchers can note the date and access details for Chime’s upcoming quarterly results and discussion.

SoFi vs. Chime: Which Fintech Stock is the Better Buy Right Now?

Zacks Investment Research · 9 Oct 2026neutral

Zacks Investment Research compares SoFi and Chime, highlighting their differing fintech growth strategies, improving profitability, expanding services and valuations as factors in their investment appeal.

Why it matters — The comparison discusses Chime’s growth strategy, profitability, services and valuation, topics relevant to investors following CHYM.

FAQ

Frequently asked questions about CHYM stock

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

The 24 Wall Street analysts covering Chime Financial, Inc. have a median 12-month price target of $40, with estimates ranging from $31 to $50. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CHYM stock a buy right now?

Of the 24 analysts covering Chime Financial, Inc., 22 rate it a Buy, 2 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Chime Financial, Inc. 47 out of 100 across roughly 4,600 US stocks as at 30 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CHYM?

As at 30 Oct 2026, Chime Financial, Inc. ranks 47 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 (98 of 100).

Will CHYM stock go up?

No one can know that. What the data says: the median 12-month target from 24 analysts implies +43.1% from the last close, and Ticker Nerd's factor model ranks Chime Financial, Inc. 47 out of 100 as at 30 Oct 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: $31 to $50 over the next 12 months.

How has CHYM stock performed over the past year?

Chime Financial, Inc. returned +63.9% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Chime Financial, Inc. do?

Chime Financial Inc. Class A is a financial technology company that provides digital consumer banking and payment services through its mobile platform.

What is the latest news on CHYM?

The most recent item we track (Zacks Investment Research, 29 Oct 2026): "Wall Street Analysts See a 33.33% Upside in Chime Financial, Inc. (CHYM): Can the Stock Really Move This High?". Zacks Investment Research reports that Wall Street analysts’ average price targets imply a potential 33.3% upside for Chime Financial (CHYM). It notes the metric’s effectiveness is questionable, while recent earnings estimate revisions have been positive.

Company

About Chime Financial, Inc.

Chime Financial Inc. Class A is a financial technology company that provides digital consumer banking and payment services through its mobile platform. The company’s app offers FDIC-insured checking accounts, debit card access, mobile banking, automatic savings tools, mobile payments, and fee-free overdraft features. It also provides liquidity and credit-building products such as SpotMe, MyPay, and Instant Loans, aimed at helping users manage everyday spending and short-term cash needs. Chime Financial serves customers in the United States and operates as a mobile-first alternative to traditional banking, with a focus on simple, low-cost financial services. Headquartered in San Francisco, California, Chime Financial plays a notable role in the fintech sector by combining core banking functions with app-based money management tools for everyday consumers.

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