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CHYM · Chime Financial, Inc.

$31.25 +5.33 (+20.56%) At close · Aug 6
Market Cap
$11.83B
Shares
378.59M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$31.25 Open$28.30 Day$27.76–33.41 52W$15.88–33.99 Avg vol 30d7.1M Short int22.9M · 6.0% float · 5.1d Short vol38% Last earningsAug 5, 2026 DataJun 2025–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Nov 4, 2026 Est · unconfirmed · in 13 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 Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 15.2 · calm Equity put/call 0.60
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +46%
      above
      Price vs 50-day avg +54%
      above
      RSI (14) 86
      overbought
      MACD trend Positive
      52-week position 85%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +47%
      trailing
      6-month return +62%
      trailing
      YTD return +24%
      this year
      Relative strength +49%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $20 › 200d $21 — 200d above 50d
      Institutional flow Accumulating
      85 of 220 funds reported for Jun 30 · net +4.4M sh shares · +34 new
      Insider flow Distributing
      Net -$106.5K over 90 days · 100% sells
      Short interest Rising
      6.05% of float · ▲ +19.8% MoM · 5.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      220 holders — near 1-yr high, broad support
      Squeeze score 91
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +31%
      Y/Y
      Gross margin 88%
      expanding
      EPS growth −995%
      Y/Y
      Buyback $122.5M
      remaining
      Balance sheet $466.3M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 66%
      annualized · 1-yr
      Max drawdown −51%
      past year
      ATR 5.1%
      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
      Net cash restructuring charges · third quarter of 2026 Initiated $16M – $20M
      Net reduction to stock-based compensation expense · third quarter of 2026 Initiated $9M – $12M
      Impact to net income · third quarter of 2026 Initiated $6M – $9M

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

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +46% Bullish
      Price vs 50-day avg
      +54% Bullish
      RSI (14)
      86 Bearish
      MACD trend
      Positive Bullish
      52-week position
      85% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $20 › 200d $21 — 200d above 50d
      Institutional flow Accumulating
      85 of 220 funds reported for Jun 30 · net +4.4M sh shares · +34 new
      Insider flow Distributing
      Net -$106.5K over 90 days · 100% sells
      Short interest Rising
      6.05% of float · ▲ +19.8% MoM · 5.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      220 holders — near 1-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $16 Now $31 · 85% 52-wk high $34
      vs 200-day avg +46% vs 50-day avg +54%

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

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Adjusted EBITDA non-GAAP $119M Q1 2026
      Adjusted EBITDA (non-GAAP) non-GAAP $127M FY2025
      Adjusted EBITDA margin non-GAAP 6% FY2025
      Purchase Volume (PV) $134B FY2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      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
      $11.83B +24.2% 6.0%
      QH
      QUHUO Ltd
      $398.77B +319.4% +59.7% 0.0%
      SAP
      Sap SE
      $227.76B -16.5% 0.8%
      SHOP
      Shopify Inc.
      $187.17B -8.4% +26.1% 97.6 2.1%
      CRM
      Salesforce, Inc.
      $152.96B -29.1% +25.9% 21.6 5.7%

      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 Accumulating
      Holders
      244
      % held
      78.0%
      Reported
      85 of 220
      Top holder
      Galileo (PTC) Ltd
      Held Float
      View
      Held by Funds
      Fund positions
      99
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      22.9M
      Days to cover
      5.1d
      Change
      +3.8M sh
      View
      Short Volume
      Short vol %
      38%
      As of
      Aug 6, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      14.0K
      Value
      $293.5K
      As of
      Jul 13, 2026
      View
      Off-Exchange
      Off-exchange %
      36.8%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$106.5K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $2.2B
      Net income (FY)
      $-1.0B
      EPS diluted
      $-4.27
      View
      Buybacks
      Authorized
      $200.0M
      Remaining
      $122.5M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $1.7M
      Shares
      65.0K
      Filed
      Aug 6, 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 +38.3% +46.6% +61.6% +35.9% +24.2%
      SPY +3.6% +2.2% +12.8% +2.9% +12.7%
      vs SPY +34.7% +44.4% +48.8% +33.1% +11.5%

      Capital returns

      Buyback program · as of Dec 31, 2025
      Authorized
      $200.00M
      Spent (derived)
      $77.50M
      Remaining
      $122.50M
      Spent 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) 73 filings 73 filers Visit website Investor relations