View ValuationChime Financial 향후 성장Future 기준 점검 4/6Chime Financial (는) 각각 연간 81.4% 및 15.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 90.2% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 15.9% 로 예상됩니다.핵심 정보81.4%이익 성장률90.16%EPS 성장률Diversified Financial 이익 성장8.0%매출 성장률15.9%향후 자기자본이익률15.93%애널리스트 커버리지Good마지막 업데이트12 May 2026최근 향후 성장 업데이트분석 기사 • May 12Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesThere's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...Breakeven Date Change • Mar 05Forecast breakeven date moved forward to 2026The 17 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$62.1m in 2026. Earnings growth of 111% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 26Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$65.0m in 2026. Earnings growth of 117% is required to achieve expected profit on schedule.공시 • Feb 26Chime Financial, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2026Chime Financial, Inc. provided earnings guidance for the first quarter and full year of 2026. For the first quarter of 2026, the company expected revenue between $627 million to $637 million, resulting in year-over-year revenue growth between 21% and 23%. For the full year of 2026, the company expected revenue between $2.63 billion to $2.67 billion, resulting in year-over-year revenue growth between 20% and 22%.Breakeven Date Change • Feb 20Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$834.5k in 2026. Average annual earnings growth of 107% is required to achieve expected profit on schedule.Breakeven Date Change • Jan 29Forecast breakeven date pushed back to 2027The 16 analysts covering Chime Financial previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 66% per year to 2026. The company is expected to make a profit of US$191.6m in 2027. Average annual earnings growth of 107% is required to achieve expected profit on schedule.모든 업데이트 보기Recent updates분석 기사 • May 12Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesThere's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...Seeking Alpha • May 09Chime Q1 Results: Growth Projections Disappoint, Downgrade To SellSummary Chime Financial (CHYM) remains volatile, recently dropping 17% despite stable Q1 2026 headline metrics. Q1 2026 results matched Q4: revenue up 25%, active members up 19%, ARPAM up 5%. CHYM exceeded the high end of revenue guidance and achieved its first GAAP-profitable quarter as a public company, but the stock is down since then. I downgrade to Sell, as fundamentals remain steady but stock trajectory diverges from business performance. Read the full article on Seeking Alpha공시 • May 09Chime Financial, Inc. (NasdaqGS:CHYM) announces an Equity Buyback for $200 million worth of its shares.Chime Financial, Inc. (NasdaqGS:CHYM) announces a share repurchase program. Under the program, the company will repurchase up to $200 million of its Class A common stockReported Earnings • May 07First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$0.14. Revenue: US$647.4m (up 25% from 1Q 2025). Net income: US$53.5m (up 313% from 1Q 2025). Profit margin: 8.3% (up from 2.5% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) also surpassed analyst estimates. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Diversified Financial industry in the US.속보 • May 07Chime Financial Achieves First GAAP Profit Driven by Chime Prime Growth and $200 Million BuybackChime Financial posted its first quarter of GAAP profitability in Q1 2026, with net income of $53 million, or $0.13 per share. Revenue for Q1 2026 came in at $647.39 million, described by the company as 25% higher year over year and ahead of analyst expectations for the fourth quarter in a row. Chime launched its premium Chime Prime membership and expanded short‑term liquidity products, while also raising full‑year revenue and adjusted EBITDA guidance and authorizing an extra $200 million share repurchase plan. For you as an investor, the key takeaway is that Chime has moved into GAAP profitability while still reporting what it characterizes as strong top‑line growth. Management is highlighting Chime Prime, with 5% cash back and 3.75% APY, as a contributor to product adoption, member retention and higher Chime Card usage, and is pointing to growing traction in MyPay and Instant Loans as supporting transaction margins. The decision to lift full‑year revenue and adjusted EBITDA guidance, coupled with an additional $200 million share repurchase authorization, is presented by management as a sign of confidence in the current business mix and balance sheet. You may want to watch how uptake of Chime Prime and usage of the short‑term liquidity products evolve over coming quarters, since these are presented as important drivers for both growth and margin profile.공시 • Apr 21Chime Financial, Inc., Annual General Meeting, Jun 02, 2026Chime Financial, Inc., Annual General Meeting, Jun 02, 2026.공시 • Apr 16Chime Financial, Inc. to Report Q1, 2026 Results on May 06, 2026Chime Financial, Inc. announced that they will report Q1, 2026 results After-Market on May 06, 2026Breakeven Date Change • Mar 05Forecast breakeven date moved forward to 2026The 17 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$62.1m in 2026. Earnings growth of 111% is required to achieve expected profit on schedule.Recent Insider Transactions Derivative • Mar 03Independent Director notifies of intention to sell stockCynthia Marshall intends to sell 35k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of March. If the sale is conducted around the recent share price of US$22.28, it would amount to US$780k. Since June 2025, Cynthia has owned 2.25k shares directly. Company insiders have collectively sold US$1.1m more than they bought, via options and on-market transactions in the last 12 months.Reported Earnings • Feb 26Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: US$4.27 loss per share (further deteriorated from US$0.39 loss in FY 2024). Revenue: US$2.19b (up 31% from FY 2024). Net loss: US$1.01b (loss widened US$984.6m from FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.5%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.9% growth forecast for the Diversified Financial industry in the US.Breakeven Date Change • Feb 26Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$65.0m in 2026. Earnings growth of 117% is required to achieve expected profit on schedule.공시 • Feb 26Chime Financial, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2026Chime Financial, Inc. provided earnings guidance for the first quarter and full year of 2026. For the first quarter of 2026, the company expected revenue between $627 million to $637 million, resulting in year-over-year revenue growth between 21% and 23%. For the full year of 2026, the company expected revenue between $2.63 billion to $2.67 billion, resulting in year-over-year revenue growth between 20% and 22%.공시 • Feb 24Chime Enterprise Adds New Employer Partners as Demand Grows for Comprehensive Financial WellnessChime Enterprise announced growing employer adoption of Chime Workplace™?, a comprehensive financial wellness suite that delivers the full range of Chime's fee-free1 financial tools within a no-cost enterprise financial health solution. Features built into Chime Workplace include earned wage access (EWA)2, which allows employees to access their pay on demand, a high-yield savings account with an APY 7x the national average, and credit-building tools. Employers gain real-time, actionable insights into employee financial well-being through the employer portal. Cedarhurst Senior Living, eXp Realty, and LRS (Lakeshore Recycling Systems) are among the latest employers to implement Chime Workplace to support employee financial well-being and help reduce stress that can impact productivity, retention, and overall performance. Employers are increasingly linking employee financial wellness to workforce outcomes. According to Gallup's State of the Global Workplace 2025 report, employee engagement remains low at just 21%, costing the global economy an estimated $438 billion annually. This widespread disengagement signals a workforce under strain, weighing heavily on productivity and performance across industries. This widespread disengagement signals an important first step, but on its own is no longer enough. Employers are moving beyond short-term fixes to holistic platforms that reduce financial stress and support productivity at scale. Chime Workplace gives enterprises a practical, scalable foundation to strengthen workforce readiness without added complexity or cost. Today's announcement highlights employers across senior living, real estate, and waste and recycling adopting Chime Workplace to replace legacy earned wage access point solutions or implement more integrated financial wellness strategies that help drive workforce performance: Cedarhurst Senior Living, based in St. Louis, MO, adopted Chime Workplace as part of a broader workforce investment strategy designed to enhance financial wellness resources for frontline caregiving and operations teams, where consistency, attentiveness, and reliability are essential. eXp Realty, a cloud-based real estate brokerage headquartered in Bellingham, WA, selected Chime Workplace to support its employees with scalable, fee-free financial tools that align with its flexible operating model. LRS (LakesHore Recycling Systems), a waste and recycling services provider headquartered in Rosemont, IL that serves communities across the Midwest, adopted Chime Workplace to support employees financial health across its frontline and field-based operations, helping reduce financial stress that can impact workforce safety and performance. While these new customers span industries--from senior living and real estate to waste and recycling-- they share common workforce challenges. Employees from across varied sectors are facing rising living costs, persistent financial stress, and limited access to affordable financial tools, all of which can affect focus, and more.Breakeven Date Change • Feb 20Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$834.5k in 2026. Average annual earnings growth of 107% is required to achieve expected profit on schedule.공시 • Jan 30Chime Financial, Inc. to Report Q4, 2025 Results on Feb 25, 2026Chime Financial, Inc. announced that they will report Q4, 2025 results After-Market on Feb 25, 2026Breakeven Date Change • Jan 29Forecast breakeven date pushed back to 2027The 16 analysts covering Chime Financial previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 66% per year to 2026. The company is expected to make a profit of US$191.6m in 2027. Average annual earnings growth of 107% is required to achieve expected profit on schedule.Recent Insider Transactions Derivative • Jan 15Co-Founder exercised options and sold US$1.4m worth of stockOn the 9th of January, Christopher Britt exercised options to acquire 50k shares at no cost and sold these for an average price of US$28.06 per share. This trade did not impact their existing holding. For the year to December 2024, Christopher's total compensation was 3% salary and 97% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since June 2025, Christopher's direct individual holding has increased from 16.92m shares to 17.25m. Company insiders have collectively sold US$1.1m more than they bought, via options and on-market transactions in the last 12 months.공시 • Dec 11Chime Announces Executive PromotionsChime announced three promotions within its executive leadership team. Effective immediately, Mark Troughton has been promoted to the role of President, Janelle Sallenave to Chief Operating Officer, and Vineet Mehra to Chief Growth Officer. Mark Troughton most recently served as Chime’s Chief Operating Officer, during which he was instrumental in overseeing Chime’s risk, customer experience, corporate, and business development functions, while managing the company’s bank partner relationships. He was a key architect of MyPay, enabling Chime members to access their paycheck on demand, and created the enterprise channel, bringing Chime’s suite of financial products to employers for their workforces. As President, Mr. Troughton will continue to oversee Chime’s strategy, risk, partnerships, and customer experience organizations and help guide Chime in its next phase of growth. Janelle Sallenave most recently served as Chime’s Chief Experience Officer, where she transformed Chime’s member service and operations. Under Ms. Sallenave’s leadership, Chime has successfully embedded AI across member support channels, with more than 70% of member support interactions now being powered by AI and automation, while doubling member satisfaction scores between 2022 and 2025. As Chief Operating Officer, Ms. Sallenave will continue to oversee member experience, as well as planning, data and analytics, internal AI initiatives, and overall business operations for the company. Vineet Mehra previously served as Chief Marketing Officer, during which he elevated the Chime brand, awareness, and cultural relevance to unprecedented levels. He was recognized this year by Forbes as one of the 50 World’s Most Influential CMOs, and under his leadership, Chime was named the #1 banking brand by Time magazine and one of Fast Company’s 2025 Brands That Matter. Mr. Mehra was also instrumental in the launch of Chime Card. As Chief Growth Officer, Mr. Mehra will continue to oversee marketing and lead Chime's overall growth agenda, building on his success in member acquisition, engagement, and loyalty.Breakeven Date Change • Nov 14Forecast breakeven date moved forward to 2026The 15 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$7.50m in 2026. Average annual earnings growth of 101% is required to achieve expected profit on schedule.Reported Earnings • Nov 06Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: US$0.15 loss per share. Net loss: US$54.7m (flat on 3Q 2024). Revenue exceeded analyst estimates by 2.3%. Earnings per share (EPS) also surpassed analyst estimates by 38%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 6.3% growth forecast for the Diversified Financial industry in the US.공시 • Nov 06+ 1 more updateChime Financial, Inc. (NasdaqGS:CHYM) announces an Equity Buyback for $200 million worth of its shares.Exelixis, Inc. (NasdaqGS:EXEL) announces a share repurchase program. Under the program, the company will repurchase up to $200 million of its Class A common stock. The repurchase program does not obligate Chime to repurchase any particular amount of Class A common stock and may be suspended or discontinued at any time at Chime’s discretion without prior notice, subject to all applicable securities laws.공시 • Oct 09Chime Financial, Inc. to Report Q3, 2025 Results on Nov 05, 2025Chime Financial, Inc. announced that they will report Q3, 2025 results After-Market on Nov 05, 2025공시 • Sep 09Chime Introduces New Chime Card with Cash Back Rewards and Elevated DesignChime introduced the newest way it's making everyday banking more rewarding. The new Chime Card, which brings 1.5% cash back2 rewards for Chime+3 members, adds even more reasons to love the nation's most loved banking app. These benefits build on Chime's existing suite of services--including high-yield savings, early access to pay, credit building, instant loans, and deals--delivering an upgraded fee-free banking experience that's simple and rewarding. Chime+ is Chime's free, enhanced membership tier that unlocks exclusive rewards for members who set up a qualifying direct deposit. Since the launch of Chime+ earlier this year, Chime has continued to bring even more rewards to its most loyal members who reach certain membership tiers. With the Chime Card4, Chime+ members earn 1.5% cash back on rotating categories like groceries, gas, and restaurants, tracked automatically in the app with no cap on earnings. These new cash back rewards are in addition to existing Chime+ features, including: 3.75% APY 5 on savings; Fee-free overdraft protection with SpotMe; Early access to pay with MyPay; Priority support for faster help; Access to exclusive Chime Deals that can be stacked with cash back. The new Chime Card is a secured credit card that blends premium design with powerful credit-building tools; Members can choose from free styles in colors like Classic Black or Evergreen, or upgrade to a Titanium finish for $50 plus tax. The new Chime Card helps members build credit with their everyday purchases while adding rewards, a refreshed design, and seamless in-app experience. Expanding Chime's Suite of Banking Services: The Chime Card is the latest addition to Chime's full suite of services. Alongside fee-free checking and savings, members get access to 47,000 fee-free ATMs, smart tools like Spending Insights, and 24/7 live support. Additional protections include guardrails against overspending, instant card freeze/unfreeze, real-time transaction alerts, and fraud monitoring. Eligible members can also access SpotMe fee-free overdraft on Chime Card. The Chime Card has already begun rolling out and will become available to all new and existing members over the coming weeks and months. When available, current Credit Builder cardholders can upgrade directly in the app.Reported Earnings • Aug 12Second quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2025 results: US$7.29 loss per share. Net loss: US$923.4m (flat on 2Q 2024). Revenue exceeded analyst estimates by 5.0%. Earnings per share (EPS) missed analyst estimates by 89%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Diversified Financial industry in the US.공시 • Aug 08Chime Financial, Inc. Provides Earnings Guidance for the Third Quarter and Full Year of 2025Chime Financial, Inc. provided earnings guidance for the third quarter and full year of 2025. For the third quarter, the company expects revenue between $525 million and $535 million, resulting in year-over-year revenue growth between 24% and 27%. For the full year 2025, the company expects revenue between $2.135 billion and $2.155 billion, resulting in year-over-year revenue growth between 28% and 29%.공시 • Jul 11Chime Financial, Inc. to Report Q2, 2025 Results on Aug 07, 2025Chime Financial, Inc. announced that they will report Q2, 2025 results After-Market on Aug 07, 2025Board Change • Jun 12Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 2 highly experienced directors. Independent Director Sue Decker was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.이익 및 매출 성장 예측NasdaqGS:CHYM - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20283,7294249549811112/31/20273,1903116826781912/31/20262,679132379327173/31/20262,315-956135166N/A12/31/20252,187-1,0102453N/A9/30/20252,066-9982138N/A6/30/20251,944-965-24-4N/A3/31/20251,800-25-51-34N/A12/31/20241,673-255064N/A12/31/20231,278-203-184-157N/A12/31/20221,009-470-507-434N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: CHYM 은 향후 3년 동안 수익을 낼 것으로 예상되며, 이는 절약률(3.5%)보다 빠른 성장으로 간주됩니다.수익 vs 시장: CHYM (는) 향후 3년 동안 평균 시장 성장보다 높은 수익을 올릴 것으로 예상됩니다.고성장 수익: CHYM 향후 3년 내에 수익을 낼 것으로 예상됩니다.수익 대 시장: CHYM 의 수익(연간 15.9%)이 US 시장(연간 11.6%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: CHYM 의 수익(연간 15.9%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: CHYM의 자본 수익률은 3년 후 15.9%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/20 13:10종가2026/05/20 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Chime Financial, Inc.는 28명의 분석가가 다루고 있습니다. 이 중 19명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Oliver LesterArete Research Services LLPRichard KramerArete Research Services LLPAndrew BauchBMO Capital Markets Equity Research25명의 분석가 더 보기
분석 기사 • May 12Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesThere's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...
Breakeven Date Change • Mar 05Forecast breakeven date moved forward to 2026The 17 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$62.1m in 2026. Earnings growth of 111% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 26Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$65.0m in 2026. Earnings growth of 117% is required to achieve expected profit on schedule.
공시 • Feb 26Chime Financial, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2026Chime Financial, Inc. provided earnings guidance for the first quarter and full year of 2026. For the first quarter of 2026, the company expected revenue between $627 million to $637 million, resulting in year-over-year revenue growth between 21% and 23%. For the full year of 2026, the company expected revenue between $2.63 billion to $2.67 billion, resulting in year-over-year revenue growth between 20% and 22%.
Breakeven Date Change • Feb 20Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$834.5k in 2026. Average annual earnings growth of 107% is required to achieve expected profit on schedule.
Breakeven Date Change • Jan 29Forecast breakeven date pushed back to 2027The 16 analysts covering Chime Financial previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 66% per year to 2026. The company is expected to make a profit of US$191.6m in 2027. Average annual earnings growth of 107% is required to achieve expected profit on schedule.
분석 기사 • May 12Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesThere's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...
Seeking Alpha • May 09Chime Q1 Results: Growth Projections Disappoint, Downgrade To SellSummary Chime Financial (CHYM) remains volatile, recently dropping 17% despite stable Q1 2026 headline metrics. Q1 2026 results matched Q4: revenue up 25%, active members up 19%, ARPAM up 5%. CHYM exceeded the high end of revenue guidance and achieved its first GAAP-profitable quarter as a public company, but the stock is down since then. I downgrade to Sell, as fundamentals remain steady but stock trajectory diverges from business performance. Read the full article on Seeking Alpha
공시 • May 09Chime Financial, Inc. (NasdaqGS:CHYM) announces an Equity Buyback for $200 million worth of its shares.Chime Financial, Inc. (NasdaqGS:CHYM) announces a share repurchase program. Under the program, the company will repurchase up to $200 million of its Class A common stock
Reported Earnings • May 07First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$0.14. Revenue: US$647.4m (up 25% from 1Q 2025). Net income: US$53.5m (up 313% from 1Q 2025). Profit margin: 8.3% (up from 2.5% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) also surpassed analyst estimates. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Diversified Financial industry in the US.
속보 • May 07Chime Financial Achieves First GAAP Profit Driven by Chime Prime Growth and $200 Million BuybackChime Financial posted its first quarter of GAAP profitability in Q1 2026, with net income of $53 million, or $0.13 per share. Revenue for Q1 2026 came in at $647.39 million, described by the company as 25% higher year over year and ahead of analyst expectations for the fourth quarter in a row. Chime launched its premium Chime Prime membership and expanded short‑term liquidity products, while also raising full‑year revenue and adjusted EBITDA guidance and authorizing an extra $200 million share repurchase plan. For you as an investor, the key takeaway is that Chime has moved into GAAP profitability while still reporting what it characterizes as strong top‑line growth. Management is highlighting Chime Prime, with 5% cash back and 3.75% APY, as a contributor to product adoption, member retention and higher Chime Card usage, and is pointing to growing traction in MyPay and Instant Loans as supporting transaction margins. The decision to lift full‑year revenue and adjusted EBITDA guidance, coupled with an additional $200 million share repurchase authorization, is presented by management as a sign of confidence in the current business mix and balance sheet. You may want to watch how uptake of Chime Prime and usage of the short‑term liquidity products evolve over coming quarters, since these are presented as important drivers for both growth and margin profile.
공시 • Apr 21Chime Financial, Inc., Annual General Meeting, Jun 02, 2026Chime Financial, Inc., Annual General Meeting, Jun 02, 2026.
공시 • Apr 16Chime Financial, Inc. to Report Q1, 2026 Results on May 06, 2026Chime Financial, Inc. announced that they will report Q1, 2026 results After-Market on May 06, 2026
Breakeven Date Change • Mar 05Forecast breakeven date moved forward to 2026The 17 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$62.1m in 2026. Earnings growth of 111% is required to achieve expected profit on schedule.
Recent Insider Transactions Derivative • Mar 03Independent Director notifies of intention to sell stockCynthia Marshall intends to sell 35k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of March. If the sale is conducted around the recent share price of US$22.28, it would amount to US$780k. Since June 2025, Cynthia has owned 2.25k shares directly. Company insiders have collectively sold US$1.1m more than they bought, via options and on-market transactions in the last 12 months.
Reported Earnings • Feb 26Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: US$4.27 loss per share (further deteriorated from US$0.39 loss in FY 2024). Revenue: US$2.19b (up 31% from FY 2024). Net loss: US$1.01b (loss widened US$984.6m from FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.5%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.9% growth forecast for the Diversified Financial industry in the US.
Breakeven Date Change • Feb 26Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$65.0m in 2026. Earnings growth of 117% is required to achieve expected profit on schedule.
공시 • Feb 26Chime Financial, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2026Chime Financial, Inc. provided earnings guidance for the first quarter and full year of 2026. For the first quarter of 2026, the company expected revenue between $627 million to $637 million, resulting in year-over-year revenue growth between 21% and 23%. For the full year of 2026, the company expected revenue between $2.63 billion to $2.67 billion, resulting in year-over-year revenue growth between 20% and 22%.
공시 • Feb 24Chime Enterprise Adds New Employer Partners as Demand Grows for Comprehensive Financial WellnessChime Enterprise announced growing employer adoption of Chime Workplace™?, a comprehensive financial wellness suite that delivers the full range of Chime's fee-free1 financial tools within a no-cost enterprise financial health solution. Features built into Chime Workplace include earned wage access (EWA)2, which allows employees to access their pay on demand, a high-yield savings account with an APY 7x the national average, and credit-building tools. Employers gain real-time, actionable insights into employee financial well-being through the employer portal. Cedarhurst Senior Living, eXp Realty, and LRS (Lakeshore Recycling Systems) are among the latest employers to implement Chime Workplace to support employee financial well-being and help reduce stress that can impact productivity, retention, and overall performance. Employers are increasingly linking employee financial wellness to workforce outcomes. According to Gallup's State of the Global Workplace 2025 report, employee engagement remains low at just 21%, costing the global economy an estimated $438 billion annually. This widespread disengagement signals a workforce under strain, weighing heavily on productivity and performance across industries. This widespread disengagement signals an important first step, but on its own is no longer enough. Employers are moving beyond short-term fixes to holistic platforms that reduce financial stress and support productivity at scale. Chime Workplace gives enterprises a practical, scalable foundation to strengthen workforce readiness without added complexity or cost. Today's announcement highlights employers across senior living, real estate, and waste and recycling adopting Chime Workplace to replace legacy earned wage access point solutions or implement more integrated financial wellness strategies that help drive workforce performance: Cedarhurst Senior Living, based in St. Louis, MO, adopted Chime Workplace as part of a broader workforce investment strategy designed to enhance financial wellness resources for frontline caregiving and operations teams, where consistency, attentiveness, and reliability are essential. eXp Realty, a cloud-based real estate brokerage headquartered in Bellingham, WA, selected Chime Workplace to support its employees with scalable, fee-free financial tools that align with its flexible operating model. LRS (LakesHore Recycling Systems), a waste and recycling services provider headquartered in Rosemont, IL that serves communities across the Midwest, adopted Chime Workplace to support employees financial health across its frontline and field-based operations, helping reduce financial stress that can impact workforce safety and performance. While these new customers span industries--from senior living and real estate to waste and recycling-- they share common workforce challenges. Employees from across varied sectors are facing rising living costs, persistent financial stress, and limited access to affordable financial tools, all of which can affect focus, and more.
Breakeven Date Change • Feb 20Forecast breakeven date moved forward to 2026The 16 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$834.5k in 2026. Average annual earnings growth of 107% is required to achieve expected profit on schedule.
공시 • Jan 30Chime Financial, Inc. to Report Q4, 2025 Results on Feb 25, 2026Chime Financial, Inc. announced that they will report Q4, 2025 results After-Market on Feb 25, 2026
Breakeven Date Change • Jan 29Forecast breakeven date pushed back to 2027The 16 analysts covering Chime Financial previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 66% per year to 2026. The company is expected to make a profit of US$191.6m in 2027. Average annual earnings growth of 107% is required to achieve expected profit on schedule.
Recent Insider Transactions Derivative • Jan 15Co-Founder exercised options and sold US$1.4m worth of stockOn the 9th of January, Christopher Britt exercised options to acquire 50k shares at no cost and sold these for an average price of US$28.06 per share. This trade did not impact their existing holding. For the year to December 2024, Christopher's total compensation was 3% salary and 97% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since June 2025, Christopher's direct individual holding has increased from 16.92m shares to 17.25m. Company insiders have collectively sold US$1.1m more than they bought, via options and on-market transactions in the last 12 months.
공시 • Dec 11Chime Announces Executive PromotionsChime announced three promotions within its executive leadership team. Effective immediately, Mark Troughton has been promoted to the role of President, Janelle Sallenave to Chief Operating Officer, and Vineet Mehra to Chief Growth Officer. Mark Troughton most recently served as Chime’s Chief Operating Officer, during which he was instrumental in overseeing Chime’s risk, customer experience, corporate, and business development functions, while managing the company’s bank partner relationships. He was a key architect of MyPay, enabling Chime members to access their paycheck on demand, and created the enterprise channel, bringing Chime’s suite of financial products to employers for their workforces. As President, Mr. Troughton will continue to oversee Chime’s strategy, risk, partnerships, and customer experience organizations and help guide Chime in its next phase of growth. Janelle Sallenave most recently served as Chime’s Chief Experience Officer, where she transformed Chime’s member service and operations. Under Ms. Sallenave’s leadership, Chime has successfully embedded AI across member support channels, with more than 70% of member support interactions now being powered by AI and automation, while doubling member satisfaction scores between 2022 and 2025. As Chief Operating Officer, Ms. Sallenave will continue to oversee member experience, as well as planning, data and analytics, internal AI initiatives, and overall business operations for the company. Vineet Mehra previously served as Chief Marketing Officer, during which he elevated the Chime brand, awareness, and cultural relevance to unprecedented levels. He was recognized this year by Forbes as one of the 50 World’s Most Influential CMOs, and under his leadership, Chime was named the #1 banking brand by Time magazine and one of Fast Company’s 2025 Brands That Matter. Mr. Mehra was also instrumental in the launch of Chime Card. As Chief Growth Officer, Mr. Mehra will continue to oversee marketing and lead Chime's overall growth agenda, building on his success in member acquisition, engagement, and loyalty.
Breakeven Date Change • Nov 14Forecast breakeven date moved forward to 2026The 15 analysts covering Chime Financial previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of US$7.50m in 2026. Average annual earnings growth of 101% is required to achieve expected profit on schedule.
Reported Earnings • Nov 06Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: US$0.15 loss per share. Net loss: US$54.7m (flat on 3Q 2024). Revenue exceeded analyst estimates by 2.3%. Earnings per share (EPS) also surpassed analyst estimates by 38%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 6.3% growth forecast for the Diversified Financial industry in the US.
공시 • Nov 06+ 1 more updateChime Financial, Inc. (NasdaqGS:CHYM) announces an Equity Buyback for $200 million worth of its shares.Exelixis, Inc. (NasdaqGS:EXEL) announces a share repurchase program. Under the program, the company will repurchase up to $200 million of its Class A common stock. The repurchase program does not obligate Chime to repurchase any particular amount of Class A common stock and may be suspended or discontinued at any time at Chime’s discretion without prior notice, subject to all applicable securities laws.
공시 • Oct 09Chime Financial, Inc. to Report Q3, 2025 Results on Nov 05, 2025Chime Financial, Inc. announced that they will report Q3, 2025 results After-Market on Nov 05, 2025
공시 • Sep 09Chime Introduces New Chime Card with Cash Back Rewards and Elevated DesignChime introduced the newest way it's making everyday banking more rewarding. The new Chime Card, which brings 1.5% cash back2 rewards for Chime+3 members, adds even more reasons to love the nation's most loved banking app. These benefits build on Chime's existing suite of services--including high-yield savings, early access to pay, credit building, instant loans, and deals--delivering an upgraded fee-free banking experience that's simple and rewarding. Chime+ is Chime's free, enhanced membership tier that unlocks exclusive rewards for members who set up a qualifying direct deposit. Since the launch of Chime+ earlier this year, Chime has continued to bring even more rewards to its most loyal members who reach certain membership tiers. With the Chime Card4, Chime+ members earn 1.5% cash back on rotating categories like groceries, gas, and restaurants, tracked automatically in the app with no cap on earnings. These new cash back rewards are in addition to existing Chime+ features, including: 3.75% APY 5 on savings; Fee-free overdraft protection with SpotMe; Early access to pay with MyPay; Priority support for faster help; Access to exclusive Chime Deals that can be stacked with cash back. The new Chime Card is a secured credit card that blends premium design with powerful credit-building tools; Members can choose from free styles in colors like Classic Black or Evergreen, or upgrade to a Titanium finish for $50 plus tax. The new Chime Card helps members build credit with their everyday purchases while adding rewards, a refreshed design, and seamless in-app experience. Expanding Chime's Suite of Banking Services: The Chime Card is the latest addition to Chime's full suite of services. Alongside fee-free checking and savings, members get access to 47,000 fee-free ATMs, smart tools like Spending Insights, and 24/7 live support. Additional protections include guardrails against overspending, instant card freeze/unfreeze, real-time transaction alerts, and fraud monitoring. Eligible members can also access SpotMe fee-free overdraft on Chime Card. The Chime Card has already begun rolling out and will become available to all new and existing members over the coming weeks and months. When available, current Credit Builder cardholders can upgrade directly in the app.
Reported Earnings • Aug 12Second quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2025 results: US$7.29 loss per share. Net loss: US$923.4m (flat on 2Q 2024). Revenue exceeded analyst estimates by 5.0%. Earnings per share (EPS) missed analyst estimates by 89%. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Diversified Financial industry in the US.
공시 • Aug 08Chime Financial, Inc. Provides Earnings Guidance for the Third Quarter and Full Year of 2025Chime Financial, Inc. provided earnings guidance for the third quarter and full year of 2025. For the third quarter, the company expects revenue between $525 million and $535 million, resulting in year-over-year revenue growth between 24% and 27%. For the full year 2025, the company expects revenue between $2.135 billion and $2.155 billion, resulting in year-over-year revenue growth between 28% and 29%.
공시 • Jul 11Chime Financial, Inc. to Report Q2, 2025 Results on Aug 07, 2025Chime Financial, Inc. announced that they will report Q2, 2025 results After-Market on Aug 07, 2025
Board Change • Jun 12Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 2 highly experienced directors. Independent Director Sue Decker was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.