CHYM
Neutral signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Chime Financial, Inc. Class A Common Stock
- Nom
- Chime Financial, Inc. Class A Common Stock
- Secteur
- Technology
- Industrie
- Software - Application
- Bourse
- NASDAQ
- Capitalisation
- $11.2B
- Employés
- 1,519
- PDG
- Chris Britt
- Site web
- https://www.chime.com
- Marché
- DAVEGPNMANUPAYPPYPL
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 and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 20 000 titres (~661 866,00 $ US)
- Insiders
- Marshall Cynthia
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$2,037,560
Avg sell (VWAP, 90d window) $31.56 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$1,375,694 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-11
- Last synced
-
2026-09-17 09:54:31
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-15 | FRANKEL ADAM B | Sell · S S · 10b5-1 | 15,054 | $33.78 | ≈ $508,593 | Form 4 |
| 2026-09-11 | Marshall Cynthia | Sell · S S | 20,000 | $33.09 | ≈ $661,866 | Form 4 |
| 2026-09-08 | Asmerom Amine | Sell · S S · 10b5-1 | 9,505 | $33.36 | ≈ $317,101 | Form 4 |
| 2026-08-06 | Asmerom Amine | Sell · S S · 10b5-1 | 10,000 | $30.00 | ≈ $300,000 | Form 4 |
| 2026-08-04 | Asmerom Amine | Sell · S S · 10b5-1 | 10,000 | $25.00 | ≈ $250,000 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
CHYM presents a deeply concerning profile: a near-zero catalyst score (20) driven by a cluster of insider selling with no offsetting positive catalysts, compounded by severely deteriorating fundamentals reflected in a…
The first sentence of the analysis written for CHYM on 2026-09-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 4.53 · operating margin -48% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Gross Profit Margin | 85.9% | 87.6% | 82.8% | 78.7% | |
| Ebit Margin | -46.1% | -3.7% | -18.4% | -47.5% | |
| Ebitda Margin | -44.8% | -2.2% | -17.4% | -46.7% | |
| Operating Profit Margin | -47.6% | -3.7% | -18.4% | -47.5% | |
| Pretax Profit Margin | -46.1% | -1.4% | -15.9% | -46.6% | |
| Continuous Operations Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Net Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Bottom Line Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Current Ratio | 4.527 | 3.434 | 4.025 | 5.899 | |
| Quick Ratio | 4.527 | 3.434 | 4.025 | 5.899 | |
| Solvency Ratio | -1.741 | 0.000 | -0.496 | -1.462 | |
| Cash Ratio | 1.202 | 0.901 | 0.831 | 0.944 | |
| Price To Earnings Ratio | -9.427 | -533.190 | -66.268 | -28.767 | |
| Price To Earnings Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Forward Price To Earnings Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Price To Earnings Diluted Ratio | -9.681 | -533.190 | -66.268 | -28.767 | |
| Price To Earnings Diluted Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Price To Book Ratio | 6.801 | 14.094 | 14.441 | 12.283 | |
| Price To Sales Ratio | 4.359 | 8.082 | 10.578 | 13.405 | |
| Price To Free Cash Flow Ratio | 289.824 | 272.265 | -73.335 | -26.672 | |
| Price To Operating Cash Flow Ratio | 180.621 | 210.846 | -86.361 | -31.151 | |
| Debt To Assets Ratio | 0.069 | 0.066 | 0.079 | 0.071 | |
| Debt To Equity Ratio | 0.096 | 0.100 | 0.112 | 0.092 | |
| Debt To Capital Ratio | 0.088 | 0.091 | 0.101 | 0.084 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 1.402 | 1.523 | 1.410 | 1.288 | |
| Working Capital Turnover Ratio | 1.918 | 1.874 | 1.326 | 0.000 | |
| Operating Cash Flow Ratio | 0.136 | 0.171 | -0.543 | -2.014 | |
| Operating Cash Flow Sales Ratio | 0.024 | 0.038 | -0.122 | -0.430 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.623 | 0.774 | 1.178 | 1.168 | |
| Debt Service Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.392 | 0.666 | -1.493 | -4.307 | |
| Capital Expenditure Coverage Ratio | 2.654 | 4.433 | -5.630 | -5.954 | |
| Dividend Paid And Capex Coverage Ratio | 2.654 | 4.433 | -5.630 | -5.954 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | -9.398 | -360.648 | -60.081 | -28.471 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 85.9% | ▼-1.7% | ▲2.1% |
| Ebit Margin | -46.2% | ▼-42.4% | ▼-17.2% |
| Ebitda Margin | -44.8% | ▼-42.6% | ▼-17.0% |
| Operating Profit Margin | -47.6% | ▼-43.8% | ▼-18.3% |
| Pretax Profit Margin | -46.2% | ▼-44.8% | ▼-18.6% |
| Continuous Operations Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Net Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Bottom Line Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Current Ratio | 4.527 | ▲1.093 | ▲0.056 |
| Quick Ratio | 4.527 | ▲1.093 | ▲0.056 |
| Solvency Ratio | -1.741 | ▼-1.741 | ▼-0.816 |
| Cash Ratio | 1.202 | ▲0.301 | ▲0.233 |
| Price To Earnings Ratio | -9.427 | ▲523.763 | ▲149.986 |
| Price To Earnings Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Forward Price To Earnings Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Price To Earnings Diluted Ratio | -9.681 | ▲523.509 | ▲149.796 |
| Price To Earnings Diluted Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Price To Book Ratio | 6.801 | ▼-7.293 | ▼-5.104 |
| Price To Sales Ratio | 4.359 | ▼-3.723 | ▼-4.747 |
| Price To Free Cash Flow Ratio | 289.824 | ▲17.559 | ▲174.303 |
| Price To Operating Cash Flow Ratio | 180.621 | ▼-30.225 | ▲112.132 |
| Debt To Assets Ratio | 0.069 | ▲0.003 | ▼-0.003 |
| Debt To Equity Ratio | 0.096 | ▼-0.004 | ▼-0.004 |
| Debt To Capital Ratio | 0.088 | ▼-0.004 | ▼-0.003 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 1.402 | ▼-0.121 | ▼-0.004 |
| Working Capital Turnover Ratio | 1.918 | ▲0.044 | ▲0.638 |
| Operating Cash Flow Ratio | 0.136 | ▼-0.035 | ▲0.699 |
| Operating Cash Flow Sales Ratio | 0.024 | ▼-0.014 | ▲0.147 |
| Free Cash Flow Operating Cash Flow Ratio | 0.623 | ▼-0.151 | ▼-0.313 |
| Debt Service Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.392 | ▼-0.274 | ▲1.577 |
| Capital Expenditure Coverage Ratio | 2.654 | ▼-1.779 | ▲3.778 |
| Dividend Paid And Capex Coverage Ratio | 2.654 | ▼-1.779 | ▲3.778 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | -9.398 | ▲351.250 | ▲105.251 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Market cap | $9.53B | $13.52B | $13.52B | $13.52B | |
| Enterprise value | $9.20B | $13.28B | $13.39B | $13.42B | |
| EV / Sales | 4.21x | 7.94x | 10.47x | 13.30x | |
| EV / Op. cash flow | 174.34x | 207.08x | -85.50x | -30.91x | |
| EV / Free cash flow | 279.74x | 267.41x | -72.60x | -26.47x | |
| EV / EBITDA | -9.40x | -360.65x | -60.08x | -28.47x | |
| Net debt / EBITDA | 0.34x | 6.55x | 0.60x | 0.22x | |
| Current ratio | 4.53x | 3.43x | 4.03x | 5.90x | |
| Income quality | -0.05x | -2.53x | 0.77x | 0.92x | |
| Graham net-net | $2 | $1 | $2 | $2 | |
| Tax burden | 100.1% | 111.5% | 100.1% | 99.9% | |
| Interest burden | 100.0% | 36.6% | 86.1% | 98.3% | |
| Working capital | $1.37B | $912.2M | $873.2M | $1.06B | |
| Invested capital | $1.55B | $1.05B | $1.03B | $1.20B | |
| Return on assets | -51.4% | -1.7% | -15.4% | -33.2% | |
| Operating ROA | -60.7% | -4.5% | -17.2% | 0.0% | |
| Return on tangible assets | -51.4% | -1.7% | -15.4% | -33.2% | |
| Return on equity | -72.1% | -2.6% | -21.7% | -42.7% | |
| Return on invested capital | -65.5% | -5.6% | -22.6% | -39.6% | |
| Return on capital employed | -66.0% | -5.7% | -22.9% | -39.8% | |
| Earnings yield | -10.6% | -0.2% | -1.5% | -3.5% | |
| Free cash flow yield | 0.3% | 0.4% | -1.4% | -3.7% | |
| Capex / Op. cash flow | 37.7% | 22.6% | -17.8% | -16.8% | |
| Capex / Depreciation | 80.0% | 57.0% | 215.0% | 998.8% | |
| Capex / Sales | 0.9% | 0.9% | 2.2% | 7.2% | |
| SG&A / Sales | 52.5% | 41.7% | 46.8% | 59.9% | |
| R&D / Sales | 42.8% | 18.5% | 20.3% | 24.0% | |
| Stock comp / Sales | 49.0% | 1.8% | 2.0% | 2.8% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 55d | 69d | 50d | 45d | |
| Days payables outstanding | 46d | 63d | 37d | 35d | |
| Operating cycle | 55d | 69d | 50d | 45d | |
| Cash conversion cycle | 9d | 6d | 14d | 9d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
No employee-count data synced.
Peer market caps
Recent news
- 2026-09-16 Chime Opens New Office in New York City NEW YORK--(BUSINESS WIRE)---- $CHYM--Chime® (Nasdaq: CHYM), America''s #1 choice for banking1, today opened its new office at 122 Fifth Avenue, establishing its East Coast hub in Manhattan''s Flatiron District and expanding its presence in Chime''s largest metropolitan market. The 84,000-square-foot office spans three floors and brings together New York-based employees across product, engineering, enterprise, marketing, partnerships, and other teams. Designed to foster in-person collaboration, the workspace.
- 2026-09-16 Shawn Carolan Sells 277,007 Shares of Chime Financial (NASDAQ:CHYM) Stock Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director Shawn Carolan sold 277,007 shares of the stock in a transaction that occurred on Friday, September 11th. The shares were sold at an average price of $33.05, for a total transaction of $9,155,081.35. The transaction was disclosed in a document filed with the SEC, which is
- 2026-09-16 Cynthia Marshall Sells 20,000 Shares of Chime Financial (NASDAQ:CHYM) Stock Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director Cynthia Marshall sold 20,000 shares of the stock in a transaction that occurred on Friday, September 11th. The shares were sold at an average price of $33.09, for a total transaction of $661,800.00. Following the transaction, the director owned 28,548 shares in the company, valued at
- 2026-09-16 James Feuille Sells 93,492 Shares of Chime Financial (NASDAQ:CHYM) Stock Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director James Feuille sold 93,492 shares of the business''s stock in a transaction on Thursday, September 10th. The stock was sold at an average price of $33.15, for a total value of $3,099,259.80. Following the sale, the director owned 6,944,215 shares in the company, valued at $230,200,727.25.
- 2026-09-16 James Feuille Sells 258,398 Shares of Chime Financial (NASDAQ:CHYM) Stock Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director James Feuille sold 258,398 shares of the business''s stock in a transaction that occurred on Friday, September 11th. The stock was sold at an average price of $32.94, for a total transaction of $8,511,630.12. Following the completion of the transaction, the director directly owned 34,411 shares
- 2026-09-16 Shawn Carolan Sells 302,306 Shares of Chime Financial (NASDAQ:CHYM) Stock Chime Financial, Inc. (NASDAQ: CHYM - Get Free Report) Director Shawn Carolan sold 302,306 shares of the company''s stock in a transaction on Thursday, September 10th. The stock was sold at an average price of $33.21, for a total transaction of $10,039,582.26. Following the completion of the transaction, the director directly owned 1,800 shares in the
- 2026-09-14 Here Are Monday’s Top Wall Street Analyst Research Calls: Accenture, Chime Financial, Crown Castle, Dick’s Sporting Goods, EchoStar Corporation, GE Vernova, Honeywell Aerospace, IREN Limited, and More Wall Street analysts are reshuffling their bets ahead of a pivotal Fed rate decision, and the moves on stocks like Crown Castle, IREN Limited, and Accenture could signal bigger shifts ahead for your portfolio.
- 2026-09-11 Best Momentum Stock to Buy for September 11th RCMT, VG and CHYM made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 11, 2026.
- 2026-09-11 Chime Finds Its Stride With a $590M Deal That Could Reshape Its Banking Model Chime Financial TodayCHYMChime Financial$32.67 -1.88 (-5.44%) As of 09/10/2026 04:00 PM Eastern52-Week Range$15.88▼$35.55Price Target$35.00Add to WatchlistFor years, financial technology platforms operated with a structural vulnerability: they relied on third-party chartered banks to hold deposits and clear transactions. That software-wrapper era is drawing to a close.
- 2026-09-10 Chime Financial Stock Pulls Back Thursday: What''s Happening? Shares of Chime Financial Inc. (NASDAQ:CHYM) are trading lower Thursday afternoon, giving back recent gains as investors took profits following a multi-day rally sparked by major strategic acquisition news.