Chime Financial, Inc (CHYM) Fair Value & Analysis
Technology · US · Market cap $8.0B
Chime Financial, Inc
CHYM · US
Fair value as of: Jul 15, 2026
From 3 valuation models · updated 26 days ago
Share price +38.7% over the past month.
Below-average quality, and screening another 88% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($5.16). 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 ($2.33 to $5.16) leaves room in how you read the outcome.
Price vs Fair Value (14 months)
White line = price, green steps = our fair value per fiscal year. As of Jul 15, 2026.
How to read this chart
14‑month range $16.44 – $37.11 · fair‑value band $2.33 – $5.16 · the $29.10 price screens above the $3.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Jul 15, 2026.
Analysis
Chime Financial, Inc (CHYM) currently trades at $29.10, while our model-based Fair Value estimate is $3.42, implying the stock looks roughly 88.3% overvalued today. The Quality Score stands at 40/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Over the trailing twelve months, Chime Financial, Inc generated revenue of $2.3B at a net margin of -41.9%. Revenue grew 24.8% year over year. It earns a return on equity of -80.0%. The balance sheet holds a net cash position of $332M. Fundamentals as of Jul 15, 2026
Our scenario range runs from $2.33 (bear case) to $5.16 (bull case); at $29.10, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 35% below its 52-week high and 80% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -88%, CHYM screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 3 models by family
Widest divergence: Growth DCF ($3.48) versus Asset-Based ($2.69). Highest evidence: Growth DCF (72).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 38
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
Chime Financial, Inc 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.
CHYM screens 88% overvalued. Compare with SAP SE →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Chime Financial Reaches Analyst Target Price
- Update: Chime Shares Rise After Q2 Swings to Profit, Higher 2026 Revenue Guidance
- Chime Financial Q2 Earnings Call Highlights
Peer Group
Software - Application · 709 stocks
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.
Valuation Multiples vs Software - Application median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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