Chime Financial Management
Management criteria checks 2/4
Chime Financial's CEO is Chris Britt, appointed in Jan 2012, has a tenure of 14.67 years. total yearly compensation is $98.94M, comprised of 0.5% salary and 99.5% bonuses, including company stock and options. directly owns 3.89% of the company’s shares, worth $446.32M. The average tenure of the management team and the board of directors is 2.2 years and 7.6 years respectively.
Key information
Chris Britt
Chief executive officer
US$98.9m
Total compensation
| CEO salary percentage | 0.51% |
| CEO tenure | 14.7yrs |
| CEO ownership | 3.9% |
| Management average tenure | 2.2yrs |
| Board average tenure | 7.6yrs |
Recent management updates
Recent updates
CHYM: Stride Bank Acquisition Will Reshape Full Stack Model And Profit Outlook
Chime Financial's analyst price target has been revised higher to $49.09 from $40.00 as analysts factor in the Stride Bank acquisition, updated guidance, higher modeled revenue growth, and profit margins, alongside a lower future P/E assumption. Analyst Commentary Recent Street research on Chime Financial has turned more constructive following the announced Stride Bank acquisition and updated company guidance.Chime: The Stride Deal Doesn't Change What Worries Me (Hold)
Summary I rate Chime a hold. It looks like a strong growth story, but it's built on a regulatory foundation that I can't get comfortable with at this point. The company recently announced the acquisition of Stride Bank, which looks sensible to me: better margins and more control. But it doesn't change the fact that the model rests on the Durbin amendment's small-issuer exception in Dodd-Frank. Updated guidance calls for FY '26 revenue growth of 26% with a 17-18% EBITDA margin. A change to Durbin could, however, essentially eradicate operating profit. Another concern is the governance structure: two co-founders control around 65% of the votes with 8% of the economics. A structure CII flagged among the four most concerning of 2025's IPOs. Read the full article on Seeking Alpha
CHYM: Rising Engagement May Fail To Offset Margin And Cost Pressures
Analysts lifted their Chime Financial fair value estimate from $22.62 to $25.44, citing updated models that reflect Street research highlighting stronger member monetization, improving profitability metrics, and support from a series of higher price targets across the neobank peer group. Analyst Commentary Recent research on Chime Financial points to a generally constructive view, with several firms updating models and price targets following the latest quarterly results.
CHYM: Fair Outlook As Profitability, Restructuring And Consortium Role Shape Expectations
Analysts have lifted the fair value estimate for Chime Financial to $34.20 from $30.50, pointing to Street research that highlights solid recent execution, ongoing product rollouts, and higher conviction around revenue growth, profit margins, and the contribution from offerings like Chime Prime and the enterprise line of credit. Analyst Commentary Recent research on Chime Financial points to a broadly constructive tone, with several firms lifting price targets following the latest Q2 report and product updates.CHYM: Future Margins May Struggle To Match Rising Market Optimism
The analyst fair value estimate for Chime Financial has been raised from $21.00 to $22.62, reflecting higher revenue growth and profit margin assumptions along with recent analyst price target increases across the Street. Analyst Commentary Recent Street research on Chime Financial points to generally constructive sentiment, with several firms lifting price targets following the latest Q2 report.CHYM: Fair Outlook Balances Stablecoin Consortium Role And Profitability Milestone
Analysts have lifted their price target on Chime Financial to $21.00 from $19.00, citing updated assumptions around discount rates, profit margins, and future P/E expectations following a series of supportive initiation and upgrade reports across the Street. Analyst Commentary Recent Street research around Chime Financial reflects a mix of optimism and caution, giving you a range of viewpoints to consider when thinking about the stock's risk and reward profile.CHYM: Bullish Coverage And Buybacks May Support Future Earnings Repricing
Analysts reduced their average price target on Chime Financial to $30.50 from $31.67, citing updated assumptions for revenue growth, profit margins, and future P/E following several recent bullish initiations and an upgrade. Analyst Commentary Recent research on Chime Financial has leaned positive, with several bullish initiations, one upgrade, and at least one price target increase contributing to the current consensus view.Results: Chime Financial, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
There's been a notable change in appetite for Chime Financial, Inc. ( NASDAQ:CHYM ) shares in the week since its...CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Jun 30 2026 | n/a | n/a | -US$18m |
| Mar 31 2026 | n/a | n/a | -US$956m |
| Dec 31 2025 | US$99m | US$500k | -US$1b |
| Sep 30 2025 | n/a | n/a | -US$985m |
| Jun 30 2025 | n/a | n/a | -US$952m |
| Mar 31 2025 | n/a | n/a | -US$12m |
| Dec 31 2024 | US$16m | US$500k | -US$25m |
Compensation vs Market: Chris's total compensation ($USD98.94M) is above average for companies of similar size in the US market ($USD14.74M).
Compensation vs Earnings: Chris's compensation has increased whilst the company is unprofitable.
CEO
Chris Britt (53 yo)
Mr. Christopher R. Britt, also known as Chris, is Co-Founder, Chef Executive Officer & Chairperson of Chime Financial, Inc. since 2012. He served as the Chief Product Officer of Green Dot Corporation. Mr....
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Co-Founder | 14.7yrs | US$98.94m | 3.89% $ 446.3m | |
| President & Interim CFO | less than a year | US$22.82m | 1.1% $ 126.6m | |
| Co-Founder & Director | no data | US$58.21m | 3.83% $ 439.9m | |
| General Counsel & Corporate Secretary | 3.1yrs | US$5.43m | 0.096% $ 11.1m | |
| Advisor | less than a year | US$18.49m | 0.71% $ 81.7m | |
| Chief Operating Officer | less than a year | no data | no data | |
| Chief Technology Officer | 2.2yrs | no data | no data | |
| Vice President of Investor Relations | no data | no data | no data | |
| Chief People Officer | 2.2yrs | no data | no data | |
| Chief Growth Officer | less than a year | no data | no data | |
| Chief Risk Officer | 3.8yrs | no data | no data | |
| Chief Corporate Affairs Officer | 3.8yrs | no data | no data |
Experienced Management: CHYM's management team is considered experienced (2.2 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Co-Founder | 14.7yrs | US$98.94m | 3.89% $ 446.3m | |
| Co-Founder & Director | 7.6yrs | US$58.21m | 3.83% $ 439.9m | |
| Independent Director | 5.2yrs | US$280.01k | 0.0033% $ 375.5k | |
| Independent Director | 5.2yrs | US$275.01k | 0.019% $ 2.1m | |
| Lead Independent Director | 11.9yrs | US$263.76k | 0.054% $ 6.2m | |
| Independent Director | 8.3yrs | US$232.51k | 0.078% $ 8.9m | |
| Independent Director | 5.2yrs | US$272.51k | 0.0049% $ 562.6k |
Experienced Board: CHYM's board of directors are considered experienced (7.6 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/20 06:22 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Chime Financial, Inc. is covered by 29 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Richard Kramer | Arete Research Services LLP |
| Oliver Lester | Arete Research Services LLP |
| Andrew Bauch | BMO Capital Markets Equity Research |