Chime Financial, Inc. Class A Common Stock (CHYM) Stock

Chime Financial, Inc. Class A Common Stock (CHYM) is a Financials stock trading at $31.93 (as of 2026-08-20), with a market capitalization of $12.79B. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Chime Financial, Inc. offers mobile banking services such as checking and savings, along with features including access to pay before the scheduled payday and overdraft protection, delivered through partnerships with FDIC-insured banks. It serves consumers and earns primarily through interchange fees.

Understand Chime Financial, Inc. Class A Common Stock: how it makes money

Chime offers fee-free mobile banking (checking, savings, early paycheck access, and overdraft protection) through partnerships with FDIC-insured banks, and it earns mainly from interchange fees tied to customer payment activity.

Chime's profitability is driven by payment activity that generates interchange fees, with additional profit and cost impacts tied to its platform features (including MyPay and outbound instant transfers).

Revenue by segment (latest quarter)
Payments$0.4B
Platform$0.2B

Business quality (Mixed): Good starting set of segment revenue and operating KPIs (payment activity, and MyPay loss rates), but only one quarter of financials is provided and some KPI fields are not clearly interpretable (for example, Average Revenue per Active Member is shown as 0.0).

Bull case

  • Interchange fee economics tied to customer spending: The company earns mainly through interchange fees, so higher payment volume (including outbound instant transfers) should generally support revenue generation.
  • Platform diversification beyond basic banking: Segment revenue includes both Payments Revenue and Platform-Related Revenue, indicating the business monetizes more than just core account services.

Bear case

  • Exposure to underwriting and loss performance in MyPay: MyPay loss rate (reported as 1.2 percent, and 1.0 percent on a steady-state basis) suggests credit or reimbursement costs can vary and affect results.
  • Revenue dependence on transaction volumes: Because interchange fees are tied to payment activity, changes in customer purchase volume (reported values include 39.0 and 40.0 USD_B) can impact monetization.
Valuation — source: SEC EDGAR (first-party)
Price$31.93
Market Cap$12.79B
Price / Book8.87
Price / Sales5.71
FCF Yield0.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$2.19B
Net Margin-46.2%
Revenue Growth (YoY)30.7%
EPS Growth (YoY)994.9%
FCF Growth (YoY)-44.6%
Financial Health — source: SEC EDGAR
Altman Z-Score-2.20 (distress)
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderGalileo (PTC) Ltd ($978.99M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOChristopher R. Britt
Employees1,465
CountryUS
IPO Date2025-06-12

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CHYM earnings history · CHYM institutional & insider holders · CHYM KPIs & operating metrics · CHYM financials · CHYM investor presentations & press releases · CHYM SEC filings · CHYM peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.