CHYM · NASDAQ · STOCK
Chime Financial, Inc. Class A Common Stock (CHYM) Analysis
$29.30
52W $15.88 – $35.55
59/100
$11.39B
-527.3
0.32
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is CHYM Bullish or Bearish?
Bullish.
Innellis AI committee rates Chime Financial, Inc. Class A Common Stock (CHYM) Buy with a composite score of 59/100
, based on 6 analysts with 50% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.59 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.41 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 134.7% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — 2 existing position pair(s) are highly correlated already. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Revenue growing 134.7% YoY -- genuine top-line momentum — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.00) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.25 across 12 articles, 14d) — News
Bear Case
- Price-to-book of 6.7x prices in significant intangible value — Value
- ROE of only -1.3% -- cheap may mean cheap for a reason — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Bollinger bandwidth of 23.1% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
59/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 45%
of 287 Technology peers
Value Analyst
neutral
43
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− Price-to-book of 6.7x prices in significant intangible value
Growth Analyst
bullish
67
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 134.7% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.00) -- balance sheet can absorb a shock
− Bollinger bandwidth of 23.1% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 12 articles, 14d)
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 62.4 to 59.4.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: score 30->35 (+5).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
50.7
Neutral
MACD Histogram
0.297
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Support
$19.05
Resistance
$35.45
Bollinger %B
0.61
Inside Bands
Price vs Moving Averages
EMA 9
$29.02
Above
EMA 21
$29.08
Above
EMA 50
$28.67
Above
EMA 200
$25.48
Above
Fundamental Analysis
Valuation
67
Growth
69
Profitability
25
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
-527.3×
P/B Ratio
8.10×
PEG Ratio
-6.53
Dividend Yield
0.00%
52W High
$35.55
52W Low
$15.88
Quality & Growth
ROE
-7205.1%
ROA
-5140.7%
Gross Margin
8726.2%
Operating Margin
-215.7%
Revenue Growth YoY
—
Debt / Equity
0.09
AI Fundamental Assessment
P/E ratio of -527.3 (inexpensive relative to a 15-40x range); Price-to-book of 8.1x; PEG ratio of -6.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -72.1%; Return on assets of -51.4%; Net margin of -0.8%; Gross margin of 87.3%; Current ratio of 137.30 (healthy short-term liquidity); Debt-to-equity of 0.09; Free cash flow per share is positive (0.84); Most recent quarter beat estimates by 8650.0%; 4 consecutive earnings beats; EPS growth decelerating (+208.3% -> -46.2% QoQ); Analyst estimates rising over recent quarters
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