| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 27 | — | 17.6x | Bottom tier | |
Growth | 74 | 41.8% | 7.1% | Top tier | |
Quality | 34 | -65.6% | 4.5% | Bottom tier | |
Safety | 89 | — | 2.6x | Top tier | |
Capital Return | 41 | — | 2.15% | Around median | |
Momentum | 80 | 31.7% | 2.3% | Top tier | |
Sentiment | 41 | 12 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Chime Financial is a digital financial services platform seeking to become Americans’ primary banking account, generating revenue from payments, interchange fees, liquidity products, and financial services linked to direct deposit accounts. Active members exceeded 10.4 million at the end of June 2026, and the company leverages recurring deposits to increase card spending, improve credit risk assessment, and expand the use of products such as MyPay and Instant Loans. It is also broadening its customer relationships through Chime Prime, Chime Invest, and Chime Workplace, rather than relying solely on the core spending account.
In fiscal Q2 2026, revenue increased 27% year over year and active members grew 20%, with approximately 200 thousand active members added compared with the previous quarter and 1.7 million during the twelve months ended June 2026. The company generated GAAP net income of $28 million and adjusted earnings before interest, taxes, depreciation, and amortization of $102 million at a 15% margin, up 12 percentage points year over year, and recorded its second consecutive quarter of positive GAAP net income and earnings per share. Transaction margin reached 73%, while transaction profit grew 36%, payments and instant transfer revenue increased 21%, and platform revenue rose 48% year over year.
EDGAR data show an important contrast between quarterly improvement and accumulated losses: fiscal Q1 2026 generated revenue of $647.4 million, gross profit of $580.3 million, and net income of $53.5 million, but the twelve-month period reported for 2026 included revenue of $2.7 billion, a net loss of $1.9 billion, and negative earnings per share of approximately $4.82. In fiscal 2025, revenue reached $2.2 billion and gross profit was $1.9 billion, compared with a net loss of $1 billion, making the sustainability of the new quarterly profitability a central consideration in assessing the stock.
The average analyst price target is $35.33, within a wide range of $28 to $45, and the stock carries a consensus Buy rating; the average target is also slightly above the 52-week range high of $34.16, while the range low is $15.88. No usable price-to-earnings ratio is available because of the loss for the twelve-month period in 2026 and negative earnings per share, so the valuation depends heavily on Chime’s ability to convert expected fiscal 2026 revenue growth between 25% and 26% into sustainable profitability, balanced against credit risk, restructuring, and the chief financial officer transition.
Figures in the text are as of 2026-08-29; the live price is shown at the top of the page.
Revenue increased 27% year over year, and active members grew 20% to 10.4 million at the end of June 2026. The company added approximately 200 thousand members compared with the previous quarter and 1.7 million during the preceding twelve months, while average annualized revenue per active member grew 6% to $260. Management attributed the acceleration particularly to Chime Prime and early engagement initiatives such as instant funding and mobile check deposit.
Members who deposit at least $3,000 per month qualify and receive benefits including 5% cash back in a selected category, a 3.75% savings yield, and higher MyPay limits. Prime members generate more than twice the average annualized revenue per active member, spend more, and adopt additional products and the Chime card at higher rates. In fiscal Q2 2026, the product helped raise purchase and instant transfer volume growth to 20% and increase credit’s share to 27%.
MyPay originations reached approximately $4.5 billion in fiscal Q2 2026 at a loss rate of 90 basis points, and its transaction profit increased to $73 million after growing more than threefold year over year. The company raised the available limit for some MyPay users to $1,000, with a slight increase in losses expected during fiscal Q3 and Q4 2026. Instant Loans originations grew approximately 70% compared with the previous quarter to $300 million, and management expects their annualized revenue run rate to exceed $100 million upon exiting fiscal Q3 2026.
Automated analysis for informational purposes only — not investment advice.
Chime launched the product in July 2026 to integrate investing with the account that receives direct deposits, and it includes portfolios managed by a registered investment adviser and free self-directed investing in stocks and ETF funds. A member can start with one dollar, while approximately 80% of Chime members already use the high-yield savings product. In the short term, management describes Chime Invest as a tool for deepening engagement and retention rather than as a direct and material revenue generator.
Chime announced a reduction of approximately 10% in its workforce to create a flatter structure, while reinvesting part of the payroll savings and keeping payroll costs stable in fiscal 2027 compared with fiscal 2026. In fiscal Q3 2026, the company expects net cash restructuring charges between $16 and $20 million, partially offset by a reversal of non-cash stock-based compensation expense between $9 and $12 million. Matt Newcomb decided to step down as chief financial officer and will support the transition, while Mark Troughton assumes the roles of president and interim chief financial officer until the company completes its executive search for a permanent chief financial officer.
