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CHYM · Chime Financial, Inc.

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$33.07 +1.16 (+3.64%) At close · Aug 19
Market Cap
$12.46B
Shares
378.59M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$33.07 Open$32.00 Day$31.78–33.38 52W close$16.44–33.07 Avg vol 30d8.1M Short int23.1M · 6.1% float · 4.2d Short vol13% Last earningsAug 5, 2026 DataJun 2025–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Nov 4, 2026 Est · unconfirmed · in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Strong Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross Golden cross
      Price vs 200-day avg +51%
      above
      Price vs 50-day avg +46%
      above
      RSI (14) 77
      overbought
      MACD trend Positive
      52-week position 100%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +52%
      trailing
      6-month return +38%
      trailing
      YTD return +31%
      this year
      Relative strength +26%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) Golden cross
      50d $23 › 200d $22 — 50d above 200d
      Institutional flow Accumulating
      +24% holders QoQ · +107 funds added
      Insider flow Distributing
      Net -$263.8M over 90 days · 100% sells
      Short interest Rising
      6.09% of float · ▲ +0.7% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      273 holders — near 1-yr high, broad support
      Squeeze score 84
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +31%
      Y/Y
      Gross margin 88%
      expanding
      EPS growth −995%
      Y/Y
      Buyback $200.0M
      authorized
      Balance sheet $466.3M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 65%
      annualized · 1-yr
      Max drawdown −41%
      past year
      ATR 4.7%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 3 of last 3
      Latest guidance · from the 8-K filed Aug 5, 2026
      full year of 2026
      Revenue Initiated $2.73B – $2.75B
      prior FY $2.19B midpoint +25.1% Y/Y
      Adjusted EBITDA Non-GAAP Initiated $465M – $475M
      Adjusted EBITDA margin Non-GAAP Initiated 17%
      third quarter of 2026
      Adjusted EBITDA margin Non-GAAP Initiated 15% – 16%
      Adjusted EBITDA Non-GAAP Initiated $105M – $110M
      Revenue Initiated $680M – $690M
      prior qtr $669.77M midpoint +2.3% QoQ
      Prior guidance period ended · from the 8-K filed May 6, 2026
      Revenue · second quarter of 2026 $633M – $643M
      Adjusted EBITDA · second quarter of 2026 $72M – $77M
      Guided vs delivered · last 3 settled
      Revenue fourth quarter of 2025
      guided $572M – $582M
      $596.36M Beat +3.4%
      Revenue full year of 2025
      guided $2.16B – $2.17B
      $2.19B Beat +0.9%
      Revenue third quarter of 2025
      guided $525M – $535M
      $543.52M Beat +2.6%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Strong Buy
      1 · 1 · 5
      50 / 200-day cross
      Golden cross Bullish
      Price vs 200-day avg
      +51% Bullish
      Price vs 50-day avg
      +46% Bullish
      RSI (14)
      77 Bearish
      MACD trend
      Positive Bullish
      52-week position
      100% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) Golden cross
      50d $23 › 200d $22 — 50d above 200d
      Institutional flow Accumulating
      +24% holders QoQ · +107 funds added
      Insider flow Distributing
      Net -$263.8M over 90 days · 100% sells
      Short interest Rising
      6.09% of float · ▲ +0.7% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      273 holders — near 1-yr high, broad support
      Price context
      position in its 52-week range
      Range low $16 Now $33 · 100% Range high $33
      vs 200-day avg +51% vs 50-day avg +46% 50-day above 200-day golden cross

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Average Revenue per Active Member (ARPAM) $260 Q2 2026
      Instant Loans originations $300M Q2 2026
      MyPay origination volume 4.5B Q2 2026
      MyPay transaction profit $73M Q2 2026
      Purchase Volume (PV) 38B Q2 2026
      Transaction margin 73% Q2 FY2026
      Transaction profit (non-GAAP) non-GAAP $492M Q2 2026

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Software - Application — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CHYM
      Chime Financial, Inc.
      this stock
      $12.46B +31.4% +30.7% 6.1%
      SAP
      Sap SE
      $245.04B -11.2% 0.7%
      SHOP
      Shopify Inc.
      $189.32B -8.9% +30.1% 98.8 1.6%
      CRM
      Salesforce, Inc.
      $160.64B -22.2% +25.9% 22.7 3.6%
      UBER
      Uber Technologies, Inc
      $152.50B -4.5% +18.3% 2.3%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      273
      % held
      78.0%
      Net QoQ
      -5.4M sh
      Top holder
      Galileo (PTC) Ltd
      Held Float
      View
      Held by Funds
      Fund positions
      103
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      23.1M
      Days to cover
      4.2d
      Change
      +166.3K sh
      View
      Short Volume
      Short vol %
      13%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      58.3K
      Value
      $1.3M
      As of
      Jul 22, 2026
      View
      Off-Exchange
      Off-exchange %
      36.2%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$263.8M
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $2.2B
      Net income (FY)
      $-1.0B
      EPS diluted
      $-4.27
      View
      Buybacks
      Authorized
      $200.0M
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $4.4M
      Shares
      150.0K
      Filed
      Aug 10, 2026
      View
      Exempt Offerings
      Offering
      $1.1B
      Filed
      Sep 10, 2021
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 5, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CHYM +4.7% +51.6% +38.0% +43.9% +31.4%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY +5.1% +48.7% +26.4% +40.9% +18.6%

      Capital returns

      Buyback program · as of May 4, 2026
      Authorized
      $200.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1795586 CUSIP 16935C109 13F (30d) 257 filings 257 filers Visit website Investor relations