CHYM
Financial ServicesChime Financial, Inc. Class A Common Stock · Banks - Regional · $7B
What is Chime Financial, Inc. Class A Common Stock?
Chime Financial is a mobile-first fintech platform offering fee-free banking services to everyday consumers. It operates through partnerships with FDIC-insured banks rather than holding a bank charter itself.
Chime earns revenue primarily through interchange fees generated when customers use its debit card. It targets consumers earning under $100K per year, offering checking accounts, savings tools, early paycheck access, and overdraft protection—all without traditional banking fees.
Chime went public in 2025 and is headquartered in San Francisco, California.
- Fee-free checking and savings accounts
- Early direct deposit access
- SpotMe overdraft protection
- Mobile-first banking app
Is CHYM a Good Stock to Buy?
UQS Score rates CHYM as Below Average overall.
Chime's Growth pillar stands out as Strong, reflecting meaningful user expansion in the underbanked consumer segment. Its Risk pillar is rated Good, suggesting the business carries a manageable risk profile relative to peers.
Both the Quality and Moat pillars are rated Weak, pointing to limited competitive differentiation and profitability concerns that weigh on the overall score.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CHYM pay dividends?
No — Chime Financial, Inc. Class A Common Stock does not currently pay a dividend.
Chime does not pay a dividend. As a growth-stage fintech, the company reinvests resources into expanding its user base and platform capabilities rather than returning cash to shareholders.
When does CHYM report earnings?
Chime Financial reports earnings on a quarterly cadence, typical for US-listed equities.
As a newly public company, Chime's earnings history is limited. Investors should watch interchange fee trends and user growth as key indicators of business momentum.
For the most recent quarter's results, visit Chime Financial's investor relations page directly.
CHYM Price History
-32.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
Frequently Asked Questions
What does Chime Financial do?
Chime operates a mobile-first banking platform that offers fee-free checking, savings, early paycheck access, and overdraft protection. It partners with FDIC-insured banks and earns revenue through interchange fees when customers use its debit card.
Does CHYM pay dividends?
No, Chime Financial does not currently pay a dividend. As a growth-focused fintech, it prioritizes reinvesting in platform development and user acquisition over returning cash to shareholders.
When does CHYM report earnings?
Chime reports on a quarterly basis. Because it is a newly public company, its earnings history is short. Check Chime Financial's investor relations page for the latest scheduled reporting dates.
Is CHYM a good stock to buy?
UQS Score rates CHYM as Below Average overall. While Growth is rated Strong and Risk is Good, the Weak Quality and Moat ratings reflect real concerns. The full pillar breakdown is available to UQS Pro members.
Is CHYM overvalued?
The UQS Valuation pillar for CHYM is rated Neutral, suggesting the market's current pricing is neither clearly stretched nor deeply discounted relative to the company's fundamentals.
What is CHYM's market cap bracket?
Chime Financial is classified as a mid-cap company, placing it between smaller fintech startups and the largest traditional financial institutions.
Is CHYM a long-term quality investment?
UQS Score evaluates long-term quality across five pillars. CHYM's Strong Growth is a positive signal, but Weak Quality and Moat ratings suggest the business has not yet demonstrated the durability typically associated with high-quality long-term holdings.
What sector does CHYM belong to?
Chime Financial operates in the Financial Services sector, specifically within the consumer fintech and digital banking segment, targeting underbanked consumers with mobile-first products.
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Pro Analysis
CHYM — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 47.1 | 0.0 |
| May 22, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 46.7 | 0.0 |
| May 21, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 47.1 | -0.1 |
| May 20, 2026 | 42.0 | 6.3 | 23.0 | 83.0 | 72.7 | 47.8 | +0.1 |
| May 19, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 47.2 | 0.0 |
| May 16, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 47.1 | 0.0 |
| May 15, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 46.9 | 0.0 |
| May 14, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 47.4 | 0.0 |
| May 13, 2026 | 41.9 | 6.3 | 23.0 | 83.0 | 72.7 | 46.8 | +0.1 |
| May 12, 2026 | 41.8 | 6.3 | 23.0 | 83.0 | 72.7 | 46.5 | 0.0 |
CHYM — Pillar Breakdown
Quality
— 6.3/100 (25%)Chime Financial, Inc. Class A Common Stock currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 83.0/100 (20%)Chime Financial, Inc. Class A Common Stock is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Chime Financial, Inc. Class A Common Stock maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 47.1/100 (15%)Chime Financial, Inc. Class A Common Stock has a mixed valuation — some metrics suggest fair value while others appear stretched.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 23/100 (25%)Chime Financial, Inc. Class A Common Stock operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CHYM.
Score Composition
Financial Data
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How is the CHYM UQS Score Calculated?
The UQS (Unified Quality Score) for Chime Financial, Inc. Class A Common Stock is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Chime Financial, Inc. Class A Common Stock's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Chime Financial, Inc. Class A Common Stock is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.