Chime Financial, Inc. (CHYM) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Chime Financial, Inc. (CHYM) stock forecast summary
Our AI ranks Chime Financial, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Chime Financial, Inc. is a large-cap company with a market capitalization of $11.23B. It ranks number 8 by market capitalization among the 60 Finance Services issuers in our coverage with a current forecast.
For CHYM, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 27.0%, measured on 198 forecast dates between 2025-08-15 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 241 forecast dates between 2025-08-15 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, CHYM included.
Follow CHYM freeCHYM price chart and AI forecast
How CHYM ranks among 5171 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Chime Financial, Inc. (CHYM) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Finance Services peers listed below that report each metric.
Valuation & Market
| Metric | CHYM | Rank |
|---|---|---|
| Market Cap | $11.23B | 8/60 |
| P/E Ratio | 9.60x | 13/19 |
| P/B Ratio | 8.00x | 4/46 |
| EPS | $3.09 | – |
| Book Value/Share | $3.71 | – |
| Revenue/Share | $7.86 | – |
| FCF/Share | $0.82 | – |
Profitability & Margins
| Metric | CHYM | Rank |
|---|---|---|
| ROIC | -2.6% | 6/26 |
| Gross Margin | 88.6% | 3/19 |
| Operating Margin | -1.4% | 9/29 |
| EBT Margin | -0.1% | 17/41 |
| Tax Rate | -94.0% | – |
The effective tax rate is outside the normal band, which points to a large non-recurring tax item in the trailing twelve months; headline net income, net margin and P/E are affected by it.
Financial Health
| Metric | CHYM | Rank |
|---|---|---|
| Current Ratio | 4.62x | 13/40 |
| D/E Ratio | 0.42x | 38/54 |
| Financial Leverage | 1.42x | 40/52 |
| Interest Coverage | 86.7x | 4/33 |
| Working Capital | $1.40B | 7/39 |
Cash Flow
| Metric | CHYM | Rank |
|---|---|---|
| Operating Cash Flow | $345M | 10/46 |
| Free Cash Flow | $312M | 6/32 |
| Capital Spending | -$33M | 19/32 |
| FCF/Sales | 10.5% | 10/29 |
| CapEx/Sales | 1.1% | 18/29 |
Operational Efficiency
| Metric | CHYM | Rank |
|---|---|---|
| Asset Turnover | 1.49x | 1/35 |
| Receivables Turnover | 10.3x | 13/19 |
| Fixed Assets Turnover | 30.5x | 9/34 |
| Days Sales Outstanding | 35 days | 7/19 |
| Payables Period | 39 days | 13/17 |
Income Statement
| Metric | CHYM | Rank |
|---|---|---|
| Total Revenue | $2.98B | 5/38 |
| Operating Income | -$42M | 14/32 |
| R&D Expense | $535M | 3/11 |
| SG&A Expense | $1.80B | 3/19 |
| Cost of Goods Sold | $338M | 6/21 |
Dividend & Shareholder Information
| Metric | CHYM | Rank |
|---|---|---|
| Shares Outstanding | 379M | – |
Balance Sheet Highlights (USD millions)
| Total Current Assets | $1.79B | 89.6% of assets |
| Cash & Short-term Investments | $536M | 26.8% of assets |
| Accounts Receivable | $288M | 14.4% of assets |
| Total Liabilities | $592M | 29.6% of assets |
| Short-term Debt | $351M | 17.6% of assets |
CHYM quarterly financials and insider trading
Chime Financial, Inc. (CHYM) industry peers
Companies classified under the same SEC industry code as Chime Financial, Inc. (Finance Services): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| CHYM Chime Financial, Inc. | ▲ | $11.23B |
| AXP American Express Co | ▶ | $211.77B |
| MSTR Strategy Inc | ▲ | $58.13B |
| COIN Coinbase Global, Inc. | ▲ | $45.69B |
| SYF Synchrony Financial | ▼ | $24.09B |
| CRCL Circle Internet Group, Inc. | ▲ | $20.87B |
| SOFI Sofi Technologies, Inc. | ▶ | $19.49B |
| BMNR Bitmine Immersion Technologies, Inc. | ▶ | $13.07B |
| IREN Iren Ltd | ▶ | $10.64B |
| WULF Terawulf Inc. | ▲ | $6.30B |
| RIOT Riot Platforms, Inc. | ▲ | $5.82B |
| DAVE Dave Inc./De | ▲ | $4.96B |
| KLAR Klarna Group Plc | ▼ | $4.91B |
| BLSH Bullish | ▲ | $4.45B |
| CORZ Core Scientific, Inc./Tx | ▲ | $4.33B |
| CIFR Cipher Digital Inc. | ▲ | $3.73B |
| GPGI Gpgi, Inc. | ▼ | $3.61B |
| MARA Mara Holdings, Inc. | ▲ | $3.22B |
| SII Sprott Inc. | ▶ | $2.92B |
| IOND Ionic Digital Inc. | ▶ | $2.83B |
| UPST Upstart Holdings, Inc. | ▶ | $2.41B |
| CLSK Cleanspark, Inc. | ▲ | $2.15B |
| XXI Twenty One Capital, Inc. | ▶ | $2.11B |
| BTDR Bitdeer Technologies Group | ▲ | $2.10B |
| ASST Strive, Inc. | ▶ | $2.06B |
| PURR Hyperliquid Strategies Inc | ▲ | $1.94B |
| SECZ Securitize Corp. | ▶ | $1.85B |
| WLTH Wealthfront Corp | ▲ | $1.75B |
| PGY Pagaya Technologies Ltd. | ▲ | $1.49B |
| KEEL Keel Infrastructure Corp. | ▲ | $1.43B |
| PWP Perella Weinberg Partners | ▲ | $1.24B |
| WD Walker & Dunlop, Inc. | ▶ | $1.14B |
| RHLD Resolute Holdings Management, Inc. | ▼ | $922M |
| QFIN Qfin Holdings, Inc. | ▶ | $699M |
| GDOT Green Dot Corp | ▲ | $695M |
| BTGO Bitgo Holdings, Inc. | ▲ | $691M |
| BUR Burford Capital Ltd | ▲ | $659M |
| VEL Velocity Financial, Inc. | ▶ | $585M |
| HIVE Hive Digital Technologies Ltd. | ▲ | $557M |
| FWDI Forward Industries, Inc. | ▲ | $510M |
| WYFI Whitefiber, Inc. | ▲ | $505M |
| ABTC American Bitcoin Corp. | ▶ | $504M |
| OPFI Oppfi Inc. | ▲ | $492M |
| GEMI Gemini Space Station, Inc. | ▲ | $463M |
| OPRT Oportun Financial Corp | ▲ | $424M |
| BTBT Bit Digital, Inc | ▲ | $346M |
| SVIA Silvia, Inc. | ▼ | $344M |
| ORBS Eightco Holdings Inc. | ▶ | $330M |
| USDE Stablecoinx Inc. | ▼ | $275M |
| DGXX Digi Power X Inc. | ▶ | $266M |
| CNCK Coincheck Group N.V. | ▶ | $257M |
| MFIN Medallion Financial Corp | ▲ | $257M |
| BKKT Bakkt, Inc. | ▶ | $252M |
| SNFCA Security National Financial Corp | ▲ | $240M |
| ZSQR Z Squared Inc. | ▲ | $227M |
| CPSS Consumer Portfolio Services, Inc. | ▲ | $198M |
| SLNH Soluna Holdings, Inc | ▼ | $183M |
| LDI Loandepot, Inc. | ▲ | $181M |
| USBC Usbc, Inc. | ▶ | $175M |
| AMBR Amber International Holding Ltd | ▲ | $170M |
Where CHYM sits on the market map
Chime Financial, Inc. (CHYM) stock news
Loading...
Chime Financial, Inc. (CHYM) stock forecast FAQ
What is the Chime Financial, Inc. (CHYM) stock forecast?
Our AI ranks Chime Financial, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Chime Financial, Inc. stock predictions?
For CHYM, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 27.0%, measured on 198 forecast dates between 2025-08-15 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 241 forecast dates between 2025-08-15 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Chime Financial, Inc. forecasts updated?
Chime Financial, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Chime Financial, Inc.'s industry peers?
60 issuers in our coverage, CHYM included, share the SEC industry code Finance Services. The largest are: American Express Co (AXP), Strategy Inc (MSTR), Coinbase Global, Inc. (COIN), Synchrony Financial (SYF), Circle Internet Group, Inc. (CRCL), Sofi Technologies, Inc. (SOFI).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.