Is Chime Financial, Inc. (CHYM) Overvalued?
We dive into why Chime Financial, Inc. (CHYM) could be considered overvalued on 2026-07-24, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
Commentary & Analysis
Why Chime Financial, Inc.’s (CHYM) Stock Is Down 5.41%
As of Thursday, July 23, Chime Financial, Inc.’s CHYM share price has dipped by 5.41%, which has investors questioning if this is right time to buy.Jenna Brashear
Why Chime Financial, Inc.’s (CHYM) Stock Is Up 5.06%
As of Wednesday, July 15, Chime Financial, Inc.’s CHYM share price has surged by 5.06%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Chime Financial, Inc.’s (CHYM) Stock Is Up 5.28%
As of Friday, June 26, Chime Financial, Inc.’s CHYM share price has surged by 5.28%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Chime Financial, Inc.’s (CHYM) Stock Is Up 10.34%
As of Friday, June 26, Chime Financial, Inc.’s CHYM share price has surged by 10.34%, which has investors questioning if this is right time to sell.Tudor Pop
Financial Summary
| Share Statistics | CHYM | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $8,759.6 | $2,409.3 | 76% |
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| Shares Out (Mil) | 400.5 | 72.0 | 86% |
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| Institutional Ownership | 84.5% | 86.6% | 52% |
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| Float (Mil) | 225.7 | 61.7 | 76% |
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| Beta | na | 0.93 | na |
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| Avg Daily Volume (000s) | 5,402 | 441 | 93% |
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| Price Change (52-week) |
(32.0%) | 76.1% | 23% |
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| Growth | CHYM | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 10.9% | na |
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| Net Income (5yr) | na | 8.2% | na |
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| EPS (5yr) | na | 11.4% | na |
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| Dividends (5yr) | na | 0.0% | 0% |
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| Cash Flow (5yr) | na | (15.0%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CHYM | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,315 | $1,233 | 63% |
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| Net Income (TTM) (Mil) | ($969) | $73 | 1% |
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| EPS (TTM) | ($3.034) | $0.700 | 11% |
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| Operating Cash Flow (TTM) (Mil) | $166 | $165 | 57% |
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| Net Cash Flow (TTM) (Mil) | $291 | $22 | 87% |
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| Long-Term Debt (Q1) (Mil) | $121 | $696 | 46% |
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| Enterprise Value (Q1) (Mil) | $5,748 | $3,560 | 65% |
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| Valuation | CHYM | Industry Median |
Percentile (All Stocks) |
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| P/B | 6.10 | 1.44 | 82% |
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| P/E | na | 15.1 | na |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | na | 1.0 | na |
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| Ratios | CHYM | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 88.4% | 60.7% | 93% |
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| Net Margin | (41.9%) | 7.0% | 13% |
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| ROA | (57.3%) | 1.1% | 10% |
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| ROE | 415.5% | 11.5% | 99% |
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| Liabilities to Assets | 26.1% | 75.2% | 18% |
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| F-Score | 4 | 5 | na |
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Chime Financial, Inc. did not pass any screens on 7/31/2026.
