Stocks · Technology · Software - Application
Chime Financial, Inc. Class A Common Stock CHYM
$27.25 +1.49% Close, Oct 2, 2026 · NASDAQ · Market cap $10.38B
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to -2.2% from -50.4% a year earlier.
- The stock is in an uptrend: above its 200-day average for 49 trading days, with the 50-day average above the 200-day.
- Earnings beat analyst estimates in each of the last 4 quarters (average surprise over the last four: +100.0%).
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 31%
- Revenue growth, 3-year CAGRTop 12%
- Revenue growth accelerationBottom 9%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 32%
- Gross marginTop 3%
- Operating marginBottom 33%
- Accruals (lower is better)Top 15%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 39%
- Free-cash-flow yieldTop 46%
- EBITDA / enterprise valueBottom 28%
- Sales / enterprise valueBottom 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnTop 35%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highTop 38%
- Trend checklist (0–4)Bottom 40%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 4%
- Consecutive EPS beatsTop 41%
- Share of analysts rating BuyTop 10%
- Upside to consensus price targetTop 33%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 49%
- Maximum drawdown, 3 yearsTop 37%
- Beta vs S&P 500 (lower is better)Bottom 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 28.6% | 21.6% | ↓ |
| Gross margin | 87.8% | 87.3% | ↓ |
| Operating margin | -50.4% | -2.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 21.6% | 28.6% | ↓ | Top 31% |
| Gross margin | 87.3% | 87.8% | ↓ | Top 3% |
| Operating margin | -2.2% | -50.4% | ↑ | Bottom 33% |
| Net margin | -0.8% | -49.0% | ↑ | — |
| Free-cash-flow margin | 13.5% | — | — | |
| Return on invested capital | -2.6% | — | Bottom 32% | |
| Revenue growth, 3-year CAGR | 29.4% | — | Top 12% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -18.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 12.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -37.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- Net cash
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 2.52%
- Shareholder yield
- 2.52%
- Share count change, 1 year
- +7.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 4 of 5
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- +4.1%
- Positive 20 days after report
- 2 of 5
Analysts
- Consensus price target
- $39.31
- Target vs current price
- +44.3%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 94%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +5123.9% | +3.9% | +27.2% | +26.9% | — |
| May 6, 2026 | +333.3% | +4.5% | -12.9% | -15.1% | +10.6% |
| Feb 25, 2026 | +40.0% | +3.3% | +11.5% | -9.3% | -13.5% |
| Nov 5, 2025 | +38.4% | +7.4% | +14.6% | +26.6% | +35.0% |
| Aug 7, 2025 | -50.3% | +1.1% | -10.4% | -26.4% | -49.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.07 | $0.00 | +5123.9% | $669.8M |
| May 6, 2026 | $0.13 | $0.03 | +333.3% | $647.4M |
| Feb 25, 2026 | -$0.12 | -$0.20 | +40.0% | $596.4M |
| Nov 5, 2025 | -$0.15 | -$0.24 | +38.4% | $543.5M |
| Aug 7, 2025 | -$7.29 | -$4.85 | -50.3% | $528.1M |
| May 13, 2025 | $0.20 | — | — | $518.7M |
| Dec 31, 2024 | -$0.05 | — | — | $475.2M |
| Sep 30, 2024 | -$0.06 | — | — | $421.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 59.5× | — | — | — |
| EV / Sales | 4.22× | — | — | Bottom 48% |
| Free-cash-flow yield | 3.07% | — | — | Top 46% |
| Earnings yield | -0.26% | — | — | Bottom 39% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 49
- 50-day average slope (20 days)
- +13.4%
- 200-day average slope (20 days)
- +3.5%
- Distance from 50-day average
- -8.2%
- Distance from 200-day average
- +16.0%
- RSI (14)
- 39.1
- Relative volume
- 0.51×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 63.0%
- Volatility vs own 5-year history
- 40th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.98
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -21.1%
- Maximum drawdown, 3 years
- -55.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 12, 2025 | Jun 10, 2026 | -55.7% | 249 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $10.38B
- EPS, diluted (TTM)
- -$0.07
- Revenue (TTM)
- $2.36B
- 52-week range
- $15.88 – $35.55
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Revenue | $1.01B | $1.28B | $1.67B | $2.19B |
| Gross profit | $794.2M | $1.06B | $1.47B | $1.88B |
| Operating income | -$478.7M | -$235.8M | -$62.2M | -$1.04B |
| Net income | -$470.3M | -$203.2M | -$25.3M | -$1.01B |
| EPS (diluted) | -$1.29 | -$0.56 | -$0.07 | -$2.60 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $421.9M | $475.2M | $518.7M | $528.1M | $543.5M | $596.4M | $647.4M | $577.0M |
| Net income | -$22.0M | -$19.6M | $12.9M | -$923.4M | -$54.7M | -$44.8M | $53.5M | $27.9M |
| EPS (diluted) | -$0.06 | -$0.05 | $0.20 | -$2.49 | -$0.15 | -$0.12 | $0.13 | $0.07 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Operating cash flow | -$434.1M | -$156.6M | $64.1M | $52.8M |
| Capital expenditure | -$72.9M | -$27.8M | -$14.5M | -$19.9M |
| Free cash flow | -$507.0M | -$184.4M | $49.7M | $32.9M |
| Dividends paid | $0 | $0 | $0 | $0 |
| Net share buybacks | -$508,000 | -$61,000 | -$950,000 | $718.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.06B
- Total assets
- $2.00B
- Total liabilities
- $591.8M
- Total debt
- $130.9M
- Net debt
- -$405.2M
- Shareholders’ equity
- $1.40B
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 21,252,304
- Days to cover
- 2.69
- Change vs previous report
- -0.5%
FINRA short interest, settlement date Sep 15, 2026.