CHYM · Chime Financial, Inc.
$27.25
+0.41 (+1.51%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$10.06B
Shares
378.59M
Volume · Oct 2
3.92M
Avg daily vol (3M)
7.46M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$27.25
Open$27.01
Day$26.91–27.72
52W close$16.44–34.55
Avg vol 30d7.1M
Short int21.3M · 5.6% float · 2.7d
Short vol38%
Last earningsAug 5, 2026
DataJun 2025–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 4, 2026
Est · unconfirmed
· in 5 wks
filed Aug 6, 2026
call held Aug 5, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$2.46B
Trailing 12 months
Net income (TTM)
−$18.19M
Trailing 12 months
Revenue growth YoY
+26.8%
Year over year
Operating margin
-2.1%
Trailing 12 months
P / E (TTM)
8.3
Trailing earnings · reciprocal yield 12.0%
FCF yield
3.1%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$536.04M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+210.7%
Year over year · more shares
Price change (1Y)
+34.2%
Trailing year
Short interest
5.6%
Latest settlement · 2.7 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
−8%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
60%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−19%
trailing
6-month return
+28%
trailing
YTD return
+8%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $30 › 200d $23 — 50d above 200d
Institutional flow
Accumulating
1 of 276 funds reported for Sep 30 · net +119 sh shares · +1 new
Insider flow
Distributing
Net -$1.1B over 90 days · 100% sells
Short interest
Falling
5.61% of float · ▼ -0.5% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
276 holders — near 1-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+31%
Y/Y
Gross margin
88%
expanding
EPS growth
−995%
Y/Y
Buyback
$200.0M
authorized
Quant / Vol
risk profile
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
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
third quarter of 2026
Revenue
Initiated
$680M – $690M
prior qtr $669.77M
midpoint +2.3% QoQ
Adjusted EBITDA
Non-GAAP
Initiated
$105M – $110M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
−8%
Bearish
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
60%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $30 › 200d $23 — 50d above 200d
Institutional flow
Accumulating
1 of 276 funds reported for Sep 30 · net +119 sh shares · +1 new
Insider flow
Distributing
Net -$1.1B over 90 days · 100% sells
Short interest
Falling
5.61% of float · ▼ -0.5% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
276 holders — near 1-yr high, broad support
Price context
position in its 52-week range
Range low $16
Now $27 · 60%
Range high $35
vs 200-day avg +16%
vs 50-day avg -8%
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 |
|---|---|---|---|
| Active Members | 10.4M | Three Months Ended June 30, 2026 filing | — |
| Adjusted EBITDA non-GAAP | $101.57M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income (loss) 27.85M
+7.56M Depreciation and amortization expense
-6.74M Other (income) expense, net
+213K Provision (benefit) for income taxes
+71.2M Stock-based compensation expense and related payroll tax
+1.5M Stock-based charitable contribution expense
= Adjusted EBITDA 101.57M
|
|||
| Adjusted EBITDA margin non-GAAP | 15% | Three Months Ended June 30, 2026 filing | — |
| Average Revenue per Active Member (ARPAM) | $260 | Three Months Ended June 30, 2026 filing | — |
| Transaction margin non-GAAP | 73% | Three Months Ended June 30, 2026 filing | — |
| Transaction profit non-GAAP | $491.59M | Three Months Ended June 30, 2026 filing | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CHYM
this stock
Chime Financial, Inc.
|
$10.06B | +8.3% | +30.7% | — | 5.6% |
|
QH
QUHUO Ltd
|
$350.35B | +240.7% | +59.7% | — | 0.0% |
|
SAP
Sap SE
|
$243.17B | -14.1% | — | — | 0.4% |
|
CRM
Salesforce, Inc.
|
$191.79B | -11.4% | +25.9% | 21.3 | 3.9% |
|
SHOP
Shopify Inc.
|
$183.03B | -6.0% | +30.1% | 95.5 | 1.3% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CHYM | +1.8% | -19.0% | +28.1% | +2.3% | +8.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +2.0% | -18.6% | +15.9% | +1.4% | -4.6% |
Capital returns
Buyback program
· as of May 6, 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.