Stock AnalizChime Financial, Inc. CHYM
Finance: Consumer Services · IPO 2025 · data as of November 13, 2026
Chime Financial, Inc. (CHYM) is a financial company listed in the US with a market value of about $12.9B. In the twelve months to September 30, 2026 it had revenue of $2.6B and net income of $80M, a net margin of 3.0%.
Its overall Stock Analiz score is 1.2 out of 5 (weak). The strongest part is financial health (4/5); the weakest is value (0/5).
Key numbers: a P/E of 29.4, a price to free cash flow of 30.8, a 5-year average ROIC of -53%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 75% below the current price.
Score: 1.2 / 5
Checks passed
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Liabilities below 60% of assets
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Valuation
Growth and quality
Financials, last 3 years
| Fiscal year | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $2.6B | $2.2B | $1.7B | $1.3B |
| Net income | $80M | -$1.0B | -$25M | -$203M |
| Free cash flow | $418M | $33M | $59M | -$167M |
| EPS (diluted) | $1.14 | $-4.27 | $-0.39 | $-3.22 |
| Net margin | 3.0% | -46.2% | -1.5% | -15.9% |
| ROIC | — | -53.5% | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 21 analysts is $41.90, 25% above the current price; targets range from $34.00 to $50.00; the consensus rating is “Strong buy”; expected EPS is $0.52 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Chime Financial’s P/E ratio?
About 29.4, based on the last twelve months of diluted earnings per share (forward P/E about 33.8).
Is Chime Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 75% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Chime Financial pay a dividend?
Not currently.
Is Chime Financial a good stock to buy?
We do not give buy or sell advice. Chime Financial scores 1.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.