Wall Street analyst estimates for Chime Financial, Inc. Class A Common Stock (CHYM): consensus price target, buy/hold/sell recommendations and forecasts for revenue and EPS for the upcoming fiscal years.
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...
Consensus price target
$38.94 (+38% vs price $28.20)
between $28.00 and $50.00 · 23 targets published in the last quarter
Closing price, Nov 3
A twelve-month target is not a fair value: compare it with the range in the Valuation tab.
Revenue and EPS estimates
| Fiscal year | Revenue (average) | Revenue (low – high) | EPS (average) | Analysts |
|---|---|---|---|---|
| 2026E | $2.8B | $2.8B – $2.8B | $0.46 | 15 |
| 2027E | $3.4B | $3.3B – $3.5B | $0.96 | 13 |
| 2028E | $4.0B | $3.8B – $4.4B | $1.45 | 13 |
Figures in USD · consensus as of November 1, 2026
Analyst Consensus
| Strong Buy | 0 |
| Buy | 17 |
| Hold | 1 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 18 |
| Avg rating (−2 sell to +2 buy) | 0.94 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-04 | $0.10 | ||
| 2026-08-05 | $0.07 | $0.00 | +5123.9% |
| 2026-05-06 | $0.13 | $0.03 | +333.3% |
| 2026-02-25 | $-0.12 | $-0.20 | +40.0% |
| 2025-11-05 | $-0.15 | $-0.24 | +38.4% |
| 2025-08-07 | $-7.29 | $-4.85 | -50.3% |
| 2025-05-13 | $0.20 | ||
| 2024-12-31 | $-0.05 |
Valuation Ratios
| Price / Book | 7.73 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $1.01B | $1.28B | $1.67B | $2.19B |
| Cost of Revenue | $214.7M | $219.7M | $207.5M | $309.0M |
| Gross Profit | $794.2M | $1.06B | $1.47B | $1.88B |
| Research & Development | $242.4M | $259.0M | $309.6M | $934.9M |
| Selling, General & Admin | $603.9M | $598.8M | $697.0M | $1.15B |
| Operating Expenses | $1.27B | $1.29B | $1.53B | $2.92B |
| Operating Income | -$478.7M | -$235.8M | -$62.2M | -$1.04B |
| EBITDA | -$471.4M | -$222.8M | -$36.8M | -$979.1M |
| Interest Expense | 0 | 0 | 0 | 0 |
| Pre-tax Income | -$470.6M | -$203.0M | -$22.7M | -$1.01B |
| Income Tax | -$337,000 | $234,000 | $2.6M | $831,000 |
| Net Income | -$470.3M | -$203.2M | -$25.3M | -$1.01B |
| EPS | -$1.29 | -$0.56 | -$0.07 | -$2.67 |
| EPS (Diluted) | -$1.29 | -$0.56 | -$0.07 | -$2.60 |
| Shares Outstanding (Diluted) | 364.4 M | 364.4 M | 364.4 M | 388.2 M |
Price
| Price | $28.20 (closing price, November 3, 2026) |
| Market Cap | $10.7B |
| Exchange | NASDAQ |
| Country | US |
Related companies: MA · PYPL · PAYP · DAVE · NU · GPN
Explore sector: Technology · Software - Application
More sections of CHYM: Overview · Financials · Valuation · Technical · Ownership
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