Chime Financial CHYM
United StatesTechnology · Software - ApplicationUSD
39.41 USD (+41.1%)
22 analysts
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Chime Financial is a US fintech offering a branchless digital banking platform with checking accounts, debit and credit cards, and savings tools, generating revenue primarily from interchange fees and premium subscriptions.
Key points
from its scores- ✓Good share-price trend9.8
- ✓Strong growth8.9
- ✓Very solid balance sheet8.1
- ✕Little or no dividend1.5
- ✕Unfavourable risk and backdrop4.8
AI analysis
bottom line, main risk, context and newsHold or buy on dips, given solid revenue growth and financial health, but watch the valuation which already prices in good expectations.
Chime presents an attractive growth profile with a 26.8% revenue increase and an operating margin of 18.61%, backed by a healthy balance sheet with net cash (Net Debt/EBITDA of -2.55) and strong free cash flow conversion (114%). Although its current valuation (P/E 31.74) is not cheap, the forward P/E of 17.35 suggests the market is pricing in significant future growth.
The main risk is intense competition in the digital banking and fintech sector, which could pressure margins and customer acquisition, along with increasing regulatory scrutiny on non-bank financial companies.
Context and risks
Chime is a US fintech with a healthy balance sheet and a gross margin of 88.7%, so the rise in US interest rates does not pose a material risk to its cost structure. Its digital banking business could even benefit from a higher rate environment, although this effect is not decisive enough to justify a risk adjustment.
Is Chime Financial stock cheap or expensive?
at the analysis dateOn P/E and EV / EBITDA, it trades in line with the Technology median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 31.7 | 31.3 | +1% |
| EV / EBITDA | 25.0 | 20.4 | +22% |
| Price / book | 7.5 | 6.3 | +20% |
| Price / sales | 4.3 | 5.3 | −18% |
Sector: median of the 283 Technology companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.9 out of 10 (median for Technology: 5.3).
Average analyst target: 39.41 USD, +41.1% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Technology medianValuation
- P/E
- 31.7
- Forward P/E
- 17.3
- EV / EBITDA
- 25.0
- Price / book
- 7.5
- Price / sales
- 4.3
- Market cap
- 10.6B USD
- Enterprise value
- 9.6B USD
Profitability
- ROE
- −1.3%
- ROA
- 12.0%
- ROIC (approx.)
- 28.8%
- Gross margin
- 88.7%
- Operating margin
- 18.6%
- Net margin
- −0.7%
- Free cash flow
- 437.7M USD
- FCF yield
- 4.1%
- Cash conversion
- 114%
Solvency
- Total debt
- 180.9M USD
- Net debt
- −979.9M USD
- Cash
- 1.2B USD
- EBITDA
- 383.9M USD
- Net debt / EBITDA
- −2.55
- Debt / equity
- 12.88
- Current ratio
- 4.62
- Quick ratio
- 3.74
Growth
- Revenue growth
- +26.8%
- EPS (TTM)
- 0.88 USD
- EPS (forward)
- 1.61 USD
Dividend
- Dividend yield
- 0.0%
- Payout
- 0.0%
Risk and market
- Analyst consensus
- Strong buy (22)
- Target price
- 39.41 USD
- 52-week range
- 15.88 – 35.55
Recent news
All CHYM news →Compare it with its sector
All 283 in Technology →Frequently asked questions about Chime Financial
Is Chime Financial stock cheap or expensive?
On P/E and EV / EBITDA, it trades in line with the Technology median (within 15%). Valuation score: 5.9 out of 10 (median for Technology: 5.3). Average analyst target: 39.41 USD, +41.1% versus the price. This is not investment advice.
What score does Chime Financial get on MeridIAn Screener?
It scores 7.1 out of 10, rank 158 of 2,130 (better than 91% of the companies analysed). Its strongest category is Momentum (9.8) and its weakest, Dividend (1.5). Analysis of 08/10/2026.
What is Chime Financial's P/E ratio?
Its P/E is 31.7: the share price equals 31.7 times earnings per share over the last 12 months. The Technology median is 31.3. Based on the earnings analysts expect, the forward P/E is 17.3.
How much is Chime Financial worth on the stock market?
Its market capitalisation is 10.6B USD and its enterprise value, debt included, is 9.6B USD.
How much debt does Chime Financial have?
It has more cash than debt: net cash of 979.9M USD.
Does Chime Financial pay a dividend?
It pays no dividend, or almost none.
How has Chime Financial stock performed over the last year?
It has risen 42.7% over the last year, excluding dividends. Over the last 52 weeks it has traded between 15.88 and 35.55 USD. Past performance does not guarantee future results.
What do analysts think of Chime Financial?
22 analysts cover it; their average recommendation is “Strong buy” and their average target is 39.41 USD (+41.1% versus the price). It is an estimate, not market data.