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

Last close, 5 Oct 2026
$28
+3.82% on the day

The 23 Wall Street analysts covering Chime Financial, Inc. hold a median 12-month price target of $40 — +41.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 44 of 100 as at 5 Oct 2026 — in the lower half.

Market cap
$10.3B
Ticker Nerd rank
44 / 100
Median analyst target
$40
Analysts covering
23
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
+6.0%
1M
−16.2%
YTD
+12.4%
1Y
+35.6%
From 52W high
−18.1%
From 52W low
+72.1%
$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 5 Oct 2026
44 / 100

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

Growth
97
Revisions
97
Momentum
59
Issuance
34
Value
33
Quality
31
Accruals
29
Volatility
15
Size
15

Growth (97): Sales and profits are climbing, and climbing faster than before.

Volatility (15): The share price moves around a lot.

Size (15): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen 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 $30

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 says23 analysts
21 Buy2 Hold0 Sell
Low $30Median $40High $50

The green dot is the last close — the median target sits +41.4% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 13 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
15 Sept 2026Goldman SachsMaintainsBuy$33 → $37
14 Sept 2026B. Riley SecuritiesMaintainsBuy$37 → $44
14 Sept 2026Rothschild & CoUpgradeBuy$46
9 Sept 2026BarclaysMaintainsOverweight$33 → $40
9 Sept 2026Canaccord GenuityMaintainsBuy$45 → $50
9 Sept 2026Evercore ISI GroupMaintainsOutperform$39 → $42
9 Sept 2026KeybancMaintainsOverweight$33 → $40
9 Sept 2026Loop CapitalInitiatesBuy$45
9 Sept 2026Morgan StanleyMaintainsOverweight$39 → $40
9 Sept 2026Piper SandlerMaintainsOverweight$35 → $40
9 Sept 2026ScotiabankMaintainsSector Outperform$40 → $42
9 Sept 2026UBSMaintainsNeutral$28 → $31
2 Sept 2026ScotiabankInitiatesSector Outperform$40
2 Sept 2026ScotiabankInitiatesSector Outperform—
25 Aug 2026Wells FargoMaintainsOverweight—
25 Aug 2026Wells FargoMaintainsOverweight$33 → $39
25 Aug 2026Wolfe ResearchMaintainsOutperform—
25 Aug 2026Wolfe ResearchMaintainsOutperform$32 → $38
18 Aug 2026Morgan StanleyMaintainsOverweight—
18 Aug 2026Morgan StanleyMaintainsOverweight$33 → $39

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.

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.

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 5 Oct 2026, Chime Financial, Inc. returned +35.6% against +17.0% for the S&P 500, dividends included.

CHYM vs S&P 500, last 12 monthsTotal return, rebased to 100
80100120140160Jan 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
+46.5%
Analysts raising
15
Analysts cutting
0
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
5.1×

Cheaper than 66% of US stocks

Price / sales
4.2×

Cheaper than 29% of US stocks

Price / book
7.3×

Cheaper than 13% of US stocks

EV / EBITDA
24.3×

Cheaper than 11% 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
—

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 $10.3B and an enterprise value of $9.3B.

  • 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: 5.1×; forward P/E: 16.9× — the forward figure prices analyst consensus estimates, not reported 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 4 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.$10.3B
44
HUBSHubSpot, Inc.$11.0B
92
BSYBentley Systems, Inc.$10.5B
69
FIGFigma, Inc.$11.5B
21
FROGJFrog Ltd.$11.6B
71
PAYCPaycom Software, Inc.$10.0B
82
QNTQuantinuum, Inc.$11.8B
0

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

Nu vs. Chime: Which Digital Banking Stock Is the Better Buy?

Zacks Investment Research · 29 Sept 2026neutral

Zacks Investment Research published a comparison of digital banking stocks Nu and Chime, noting that the two companies offer distinct growth stories shaped by scale, profitability, member gains, and expanding product lines.

Why it matters — The piece highlights Chime's position in the digital banking landscape alongside a comparable peer, giving CHYM watchers context on how its growth drivers are being evaluated.

3 Stocks Under the Microscope After Large Insider Sales

MarketBeat · 28 Sept 2026neutral

MarketBeat reported that insider selling has drawn attention to three stocks, including an up-and-coming fintech name, amid divergent recent performance and differing details in the insider transactions.

Why it matters — Insider selling activity in a fintech name could signal how company executives view the stock, though the report's details on CHYM were not specified.

Is Chime Stock a Buy, Sell, or Hold After Nearly Doubling From Its 52-Week Low?

The Motley Fool · 23 Sept 2026positive

Chime's stock recently surged following a strong earnings report, and the company announced it is acquiring Stride Bank, which would give it a complete banking system. Despite this jump, shares remain below their first-day closing price after nearly doubling from a 52-week low.

Why it matters — A CHYM watcher would care because the Stride Bank acquisition and the strong earnings report could strengthen the company's banking infrastructure and shape its stock's trajectory after a sharp recovery from its 52-week low.

Chime Opens New Office in New York City

Business Wire · 16 Sept 2026positive

Chime opened a new 84,000-square-foot office at 122 Fifth Avenue in Manhattan's Flatiron District, establishing its East Coast hub in New York City. The three-floor workspace brings together New York-based employees across product, engineering, enterprise, marketing, partnerships, and other teams, and is designed to foster in-person collaboration.

Why it matters — The new office expands Chime's footprint in its largest metropolitan market and supports a more geographically distributed workforce as the company grows.

Best Momentum Stock to Buy for September 11th

Zacks Investment Research · 11 Sept 2026positive

On September 11, 2026, Zacks Investment Research placed CHYM on its list of Zacks Rank #1 (Strong Buy) momentum stocks, alongside RCMT and VG.

Why it matters — A Zacks Strong Buy momentum designation signals that CHYM has attracted positive attention from a well-known independent research firm, which may inform investor consideration.

FAQ

Frequently asked questions about CHYM stock

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

The 23 Wall Street analysts covering Chime Financial, Inc. have a median 12-month price target of $40, with estimates ranging from $30 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 23 analysts covering Chime Financial, Inc., 21 rate it a Buy, 2 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Chime Financial, Inc. 44 out of 100 across roughly 4,600 US stocks as at 5 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CHYM?

As at 5 Oct 2026, Chime Financial, Inc. ranks 44 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 Growth (97 of 100).

Will CHYM stock go up?

No one can know that. What the data says: the median 12-month target from 23 analysts implies +41.4% from the last close, and Ticker Nerd's factor model ranks Chime Financial, Inc. 44 out of 100 as at 5 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: $30 to $50 over the next 12 months.

How has CHYM stock performed over the past year?

Chime Financial, Inc. returned +35.6% over the 12 months to 5 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 Sept 2026): "Nu vs. Chime: Which Digital Banking Stock Is the Better Buy?". Zacks Investment Research published a comparison of digital banking stocks Nu and Chime, noting that the two companies offer distinct growth stories shaped by scale, profitability, member gains, and expanding product lines.

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