Chime Financial, Inc. Class A Common Stock (CHYM) is a publicly traded company in the Technology — Software - Application industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card an...
Is Chime Financial, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of November 3, 2026, Chime Financial, Inc. Class A Common Stock (CHYM) trades at $28.20 with no positive earnings over the last twelve months, according to Kaplio. No valuation verdict: it has no earnings to calculate a P/E from.
Kaplio overview: Chime Financial, Inc. Class A Common Stock
Market cap $11B · 52 weeks $16 – $35 (18% below the high) · P/E no earnings · 2027 est. P/E 29.4× · Dividend none · Next earnings November 4, 2026 · expected EPS $0.10 · Closing price, Nov 3 · accounts published Aug 5.
- Valuation: P/Sales 1.8× (no earnings).
- Business: ROIC −3% (weak).
- Balance sheet: Altman Z 8.0 (solid).
- Earnings: 4 of 5 (uneven).
Where would it trade at its usual multiples?
No valuation verdict: it has no earnings to calculate a P/E from.
What matters in technology: 2 of 6 pass
- Rule of 40 (SaaS only) 29, fails.
- FCF / Revenue 1.5%, fails.
- ROIC −2.6%, fails.
- SBC / Revenue 49.0%, fails.
- 3y revenue growth 27.8%, passes.
- Gross margin 85.9%, passes.
- Net debt / EBITDA n. s., info.
Against its peers (reference peers) — Chime Financial, Inc. Class A Common Stock: P/E —; EV/EBITDA —; ROIC -2.5%; $10.7B. Dave Inc. (P/E 20.4×; EV/EBITDA 13.8×; ROIC 42.5%; $4.0B), PayPay Corporation (P/E 29.8×; EV/EBITDA 14.3×; ROIC 2.1%; $10.0B), Global Payments Inc. (P/E —; EV/EBITDA 11.0×; ROIC 1.9%; $25.9B).
Profitability
| Return on Equity | -1.28% |
| Return on Invested Capital | -2.55% |
| Return on Assets | -0.91% |
| Gross Margin | 87.26% |
| Operating Margin | -2.16% |
| Net Margin | -0.77% |
Financial Health
| Debt / Equity | 0.09 |
| Current Ratio | 137.30 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 7.96 |
Price Performance
| 1 month | -0.32% |
| 3 months | -9.76% |
| Year-to-date | +12.04% |
| 1 year | +58.43% |
Related companies: MA · PYPL · PAYP · DAVE · NU · GPN
Explore sector: Technology · Software - Application
More sections of CHYM: Financials · Valuation · Estimates · Technical · Ownership
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