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Chime Financial, Inc. Class A (CHYM) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Chime Financial, Inc. Class A $3.32, price $27.25, upside -87.8%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Technology · US · ISIN US16935C1099

CF Chime Financial, Inc. Class A logo Thin data Sep 27, 2026

Chime Financial, Inc. Class A

CHYM · US

Structural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.

Weakest SetupStrongly overvalued and low quality.

!Fair value $3.32 · Strongly overvalued (−87.8%)
!Quality 40/100
!Mixed Growth (revenue 3y +29.4 %/yr)
!Loss-making · -41.9% net margin (TTM)
✓generates free cash flow
!Trails peers (2/7)
!Narrow moat 30/100
!Insider activity 40/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$37.11 $16.44 Fair Value $3.32 Jun 2025 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

16‑month range $16.44 – $37.11 · fair‑value band $2.30 – $4.95 · the $27.25 price screens above the $3.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.

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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.

Stock analysis

Chime Financial, Inc. Class A Common Stock (CHYM) currently trades at $27.25, while our model-based Fair Value estimate is $3.32, 87.8% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $3.48 per share, and 0 of the 3 models we run sit above the $27.25 price.

Bear case: the Asset-Based group reads lowest at $2.69, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $2.30 (bear) to $4.95 (bull), the price of $27.25 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 40/100 (below-average quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Chime Financial, Inc. Class A Common Stock reported revenue of $2.2B in FY2025 versus $1.0B in FY2022, a compound +29.4%/yr. Reported net income was −$1.0B in FY2025.

Key figures

Market cap $8.0B · P/S ratio 3.45 · EPS (TTM) $−4.14 · Net margin −46.2% · Return on equity −80.0% · Return on assets (EBIT) −27.2% · Operating margin 20.9% · Revenue (TTM) $2.3B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 21% below its 52-week high and 66% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −88%, CHYM screens richer than that median.

Fair Value models

Bear $2.30 Fair Value $3.32 Bull $4.95
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $2.74 $4.02 $6.07 72
Rev-Margin DCF $2.51 $3.48 $5.43 66
NCAV (Graham) $2.01 $2.69 $4.02 51
All 3 models by family
Asset-Based
NCAV (Graham) $2.01 $2.69 $4.02 51
Growth DCF
Growth DCF $2.74 $4.02 $6.07 72
Rev-Margin DCF $2.51 $3.48 $5.43 66

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Quality Score breakdown

Overall quality 40/100

Of which business quality 45 · Market factors (momentum, volatility) 57

Profitability 37
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 30
Earnings quality: real cash, not paper profit
Fin. Strength 93
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 89
Price trend over the last 3–12 months (market factor)
52W Momentum 67
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+30.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−47.5% (2022) → −47.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

CHYM screens overvalued: fair value 88% below the price. Compare with SAP SE →

Recent news

News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.

Compare Chime Financial, Inc. Class A Common Stock with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 687 stocks

Beats the industry median on 2/6 measures
Overall it trails its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside −87.7% · Bottom 25%
Profitability
Return on assets −21.5% · Bottom 25%
Net margin (TTM) −41.9% · Bottom 25%
Operating margin (TTM) 20.9% · Top 25%
Growth and dividend
Revenue growth 24.8% · Top 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 27
FUTURE (revenue growth)100 · sector 41
PAST (return on equity)0 · sector 15
HEALTH (low debt)0 · sector 97
DIVIDEND (yield)0 · sector 30

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
SAP SE SAP €186.74 €172.46 −8%
Salesforce, Inc CRM $229.57 $342.73 +49%
Shopify Inc SHOP $144.01 $64.36 −55%
ServiceNow, Inc NOW $134.01 $147.41 +10%
Uber Technologies, Inc UBER $69.36 $103.69 +49%
Snowflake Inc SNOW $330.31 $74.36 −77%
Automatic Data Processing, Inc ADP $261.80 $150.01 −43%
Adobe Inc ADBE $239.94 $454.04 +89%
Datadog, Inc DDOG $268.70 $32.52 −88%
Cadence Design Systems, Inc CDNS $326.70 $225.48 −31%

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Chime Financial, Inc. Class A Common Stock · Fair Value
$3.32 −88%Fair Value
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Cite: Fair Value Calculator (2026). "Chime Financial, Inc. Class A Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/CHYM

Frequently asked questions

Is Chime Financial, Inc. Class A (CHYM) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $3.32 versus a price of $27.25, about −88% upside (overvalued).
What is the fair value of CHYM?
Our model-based fair value for Chime Financial, Inc. Class A Common Stock is $3.32 (as of Sep 27, 2026), built from audited fundamentals. The current price: $27.25.
What is the quality score of CHYM?
Chime Financial, Inc. Class A Common Stock has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Chime Financial, Inc. Class A (CHYM)?
Our model-based price target is the fair value of $3.32 (as of Sep 27, 2026) from 3 valuation models. Cautious scenario $2.30, optimistic scenario $4.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Chime Financial, Inc. Class A Common Stock stock forecast for 2026?
Our models put fair value at $3.32, about −88% upside versus a price of $27.25 (overvalued). Cautious scenario $2.30, optimistic scenario $4.95. The calculation is refreshed regularly with new filings.
What is the revenue of Chime Financial, Inc. Class A (CHYM)?
Chime Financial, Inc. Class A Common Stock reported trailing-twelve-month revenue of about $2.3B (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Chime Financial, Inc. Class A (CHYM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Chime Financial, Inc. Class A Common Stock it is $3.32 per share (as of Sep 27, 2026), against a price of $27.25. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Chime Financial, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CHYM trades above its calculated fair value: price $27.25, fair value $3.32, a gap of about −88% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHYM?
No. The price is what the market pays today ($27.25); the fair value is what the company's own numbers justify ($3.32). For Chime Financial, Inc. Class A Common Stock the two are $23.94 per share apart. That gap is exactly why we show both numbers side by side.
How much is Chime Financial, Inc. Class A Common Stock worth?
The market values Chime Financial, Inc. Class A Common Stock at about $8.0B (market capitalisation, as of Sep 27, 2026). Per share that is $27.25; our models calculate a fair value of $3.32 per share.
What do the bullish and bearish scenarios say about CHYM?
Our models span a range for Chime Financial, Inc. Class A Common Stock: cautious scenario $2.30, base $3.32, optimistic $4.95 per share (as of Sep 27, 2026, price $27.25). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Chime Financial, Inc. Class A (CHYM)?
Balance-sheet figures for Chime Financial, Inc. Class A Common Stock (as of Sep 27, 2026): return on equity −80.0%. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is CHYM from its 52-week high?
Chime Financial, Inc. Class A Common Stock trades at $27.25, about 21% below its 52-week high of $34.55 and 66% above the low of $16.44 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $3.32 is for.
Which stocks are comparable to Chime Financial, Inc. Class A Common Stock?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Chime Financial, Inc. Class A Common Stock stock attractive at the current price?
The data as of Sep 27, 2026: price $27.25, calculated fair value $3.32 (−88%), Quality Score 40/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHYM calculated?
We run Chime Financial, Inc. Class A Common Stock through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.32, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Chime Financial, Inc. Class A Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Chime Financial, Inc. Class A (CHYM)?
The closing price on Oct 2, 2026 was $27.25. Our model-based fair value is $3.32, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Chime Financial, Inc. Class A Common Stock right now?
The price sits above even our optimistic bull case ($4.95). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($2.30 to $4.95) leaves room in how you read the outcome.

Key figures of Chime Financial, Inc. Class A Common Stock

How large is the market capitalisation of Chime Financial, Inc. Class A (CHYM)?
The market capitalisation of Chime Financial, Inc. Class A Common Stock is $8.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Chime Financial, Inc. Class A (CHYM)?
The price-to-sales ratio of Chime Financial, Inc. Class A Common Stock is 3.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Chime Financial, Inc. Class A (CHYM)?
Earnings per share at Chime Financial, Inc. Class A Common Stock are $−4.14. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Chime Financial, Inc. Class A (CHYM)?
The net margin of Chime Financial, Inc. Class A Common Stock is −46.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Chime Financial, Inc. Class A (CHYM)?
The return on equity (ROE) of Chime Financial, Inc. Class A Common Stock is −80.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Chime Financial, Inc. Class A (CHYM)?
On an EBIT basis the return on assets of Chime Financial, Inc. Class A Common Stock is −27.2% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Chime Financial, Inc. Class A (CHYM)?
The operating margin of Chime Financial, Inc. Class A Common Stock is 20.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Chime Financial, Inc. Class A (CHYM)?
Revenue at Chime Financial, Inc. Class A Common Stock is growing +24.8% versus a year earlier (3y avg +29.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Chime Financial, Inc. Class A (CHYM)?
Earnings per share at Chime Financial, Inc. Class A Common Stock are growing −33.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Chime Financial, Inc. Class A (CHYM) generate?
The free cash flow of Chime Financial, Inc. Class A Common Stock is $32.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Chime Financial, Inc. Class A (CHYM) hold?
Chime Financial, Inc. Class A Common Stock holds more cash than debt, $332M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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