CHYM

Chime Financial, Inc. Financials Finance Services Russell 3000

$27.95Close $16.44 – $34.5552-week range Nov 4, 2026Next report · after the close

Highlights

Strengths

Leading the market RS 81 · stronger than 81% of stocks over 12 months
Volume drying up last 10 days 56% under the 50-day average

Cautions

Trend not confirmed 7 of 8 conditions · under the 50-day
Results soon Nov 4, 2026, in 3 days
Financial distress Altman Z″ in the distress zone

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026

Off 12-month high 19%

1wk 5.5% price change

1mo 4.9% price change

12-month return 64% market up 11% · its own up 46%

F-score — — Not assessed

Altman Z″ -1.97 Elevated risk

P/E — price / earnings

PEG — P/E / EPS growth

P/B — price / book

Earnings yield — EBIT / enterprise value

Cheaper than — of the market · not assessed

Revenue growth 31% year on year

EPS growth — latest quarter

Sales growth 27% latest quarter · +2 pts

ROE 72% return on equity

Free cash margin —

D/E — long-term debt / equity

Net debt / EBITDA —

Interest cover —EBIT / interest

Trade setup

ATR% 4.0% $1.12 a day · 2×ATR $25.71

RS 81 / 99 vs the universe

Trend 7 / 8 under the 50-day

Relative volume 0.6× vs 50-day average

Up/down volume 0.76 50 sessions

Implied move — no option chain · report Nov 4, 2026

Contractions 2 27% → 11%

Pivot $31.07 10.0% below

Volume dry-up 0.4× 10 vs 50 sessions

Trend template · 7 of 8

Price above the 50-day average: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged

Bankruptcy model reads distressed The Altman score sits inside the range historically associated with financial distress. It is used here only to exclude, never to rank, and it is a statistical band rather than a prediction about this company.

Last reported Aug 5, 2026

Results reaction Aug 5, 2026+26% vs market2 sessions after results

Financials

3 fiscal years · from filings

Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $2.2B +31% on FY2024

Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology -$1.0B

Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology

Gross 88%
Net -46%

Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology

Cash
Long-term debt

Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 0

	FY2023Dec 31, 2023	FY2024Dec 31, 2024	FY2025Dec 31, 2025
Revenue	$1.3B	$1.7B	$2.2B
Gross margin	83%	88%	88%
Operating income	-$235.8M	-$62.2M	-$1.0B
Net income	-$203.2M	-$25.3M	-$1.0B
Net margin	-16%	-2%	-46%
Earnings per share	-$3.22	-$0.39	-$4.27
Cash	$239.7M	$337.7M	$466.3M
Shareholders' equity	-$2.0B	-$1.9B	$1.4B
Shares outstanding	—	66.95m	0

Filings

SEC EDGAR

Filed	Report	Period to	Lag
Aug 6, 2026	Quarterly ↗	Jun 30, 2026	37d
May 7, 2026	Quarterly ↗	Mar 31, 2026	37d
Mar 6, 2026	Annual ↗	Dec 31, 2025	65d
Nov 10, 2025	Quarterly ↗	Sep 30, 2025	41d
Aug 11, 2025	Quarterly ↗	Jun 30, 2025	42d

Current reports

Filed	Disclosed
Sep 8, 2026	Material agreement · Regulation FD ↗
Aug 5, 2026	Results · Restructuring · Director or officer change ↗
Jun 4, 2026	Shareholder vote ↗
May 6, 2026	Results · Other events ↗
Feb 25, 2026	Results ↗
Dec 10, 2025	Director or officer change ↗
Nov 5, 2025	Results · Other events ↗
Aug 7, 2025	Results ↗