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Chime Financial (CHYM.US) Price Target and Rating 2026/2027

34.44
Analysis framework by , founder of TradeDesk · Data: EODHD, official filings (SEC) · Updated
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Chime Financial Price Target 2026: Analysts See 2% Upside

The average price target for Chime Financial is $35.05. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 1.77% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is Chime Financial overvalued or undervalued?

Chime Financial is currently fairly valued with a gap of 1.8% relative to the price target.


The current price is $34.44, which places Chime Financial in the fairly valued category. The stock is considered undervalued when the price is below $31.55, and overvalued when the price exceeds $38.56.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For Chime Financial, the fair value range lies between $31.55 and $38.56.


See the full price target analysis for Chime Financial →

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About Chime Financial – Software - Application

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. Read more about the company

Key Figures for Chime Financial

$ 12.2B Market cap
$ 2.5B Revenue
Software - Application Industry
6.02 P/E
4.98 P/S
9.10 P/B
USA Listed on exchange
chime.com Website
Technology Sector

What kind of stock is Chime Financial?

Value stock Momentum stock

Chime Financial is classified as a value stock and momentum stock. This means the stock combines several attractive traits, and strong price momentum.

Score Overview for Chime Financial

💰 Value Score 72/100 (High)
⭐ Quality Score 53/100 (Neutral)
🚀 Momentum Score 98/100 (Very High)
📊 Total Score 74/100

⚠️ 3 red flags identified

Our analysis has identified 3 potential risk factors in Chime Financial that investors should be aware of.

⚠️ Negative profit margin: The profit margin is -0.7% – the company is losing money on its operations.
⚠️ Negative return on equity: ROE is -1.3% – the company is generating a negative return for shareholders.
⚠️ Falling earnings: Quarterly earnings have fallen 34% year over year – the company's profitability is under pressure.

📈 Valuation

Chime Financial trades at a P/E ratio of 6.0, which is below the market average and can point to an attractive price. The forward P/E is 27.0. The P/S ratio is 5.0. The P/B ratio is 9.1.

💵 Profitability & Growth

Chime Financial and an operating margin of 18.6%. Return on assets (ROA) is 12.0%. The latest quarterly earnings grew -33.8% year over year — falling earnings.

🏦 Financial Health

The Piotroski score is 6 out of 9 — good financial health. Altman Z2 is 2.83 (healthy balance sheet — low risk). The debt-to-equity ratio (D/E) is 52.3% — low debt, a solid balance sheet.

🚀 Momentum & Short Interest

Short interest is 6.54% — elevated, some investors are betting on a decline.

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Chime Financial Short Selling 2026: 6.5% Sold Short

High short interest: 6.5% of the free float
Short % of free float
6.5%
Assessment
High short interest
Short squeeze risk
Moderate
Data source
SEC
Updated daily
The stock has a high share of short selling. Between 5-10% of the freely traded shares are sold short, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze.

What does this mean for you as an investor?
A short interest of 6.5% means that 6.5% of the freely traded shares in Chime Financial have been borrowed and sold by investors betting on falling prices.

Data is updated daily based on official filings with the SEC.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
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6.5%

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When Does Chime Financial Report Earnings?

The next earnings date for Chime Financial is not yet available. Check the company's investor calendar for more information.



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Technical Analysis of Chime Financial 2026 – Signal: Strong Buy

Overall Technical Signal: Strong Buy

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated September 10, 2026.

Trend Analysis of Chime Financial, Inc.

Chime Financial, Inc. is in a short-term uptrend. The price of $34.55 is 5.5% above the 20-day average ($32.75). Medium term, the picture is positive: the price is 28.0% above the 50-day average ($26.99). Long term, the stock is 50.7% above the 200-day average ($22.93), which confirms a long-term uptrend.

Golden Cross: The 50-day average (26.99) is above the 200-day average (22.93), which is a classic bullish signal for Chime Financial, Inc..

Is Chime Financial, Inc. overbought or oversold?

Chime Financial, Inc. has an RSI of 66.4. The stock shows positive momentum in the upper part of the neutral zone. Combined with the positive trend, this supports the bullish picture.

MACD Analysis for Chime Financial, Inc.

Daily MACD: MACD is positive (1.850), which means the short-term trend is bullish (the 12-day EMA is above the 26-day EMA). MACD is below the signal line (2.150) by 0.300, which suggests the positive momentum is fading – the trend could be turning.

Weekly MACD: MACD5 is positive (2.665), which indicates a broader bullish long-term trend. MACD5 is above the signal line (0.725) by 1.940, which confirms rising long-term momentum.

Overall MACD assessment: Both the daily and weekly trend are bullish (MACD positive). However, momentum shows signs of weakening on a daily basis. Watch whether the trend holds.

Risk Profile for Chime Financial, Inc.

Chime Financial, Inc. has an annual standard deviation of 64.6%, which classifies the stock as Speculative. Sizeable price swings are normal, and the stock requires a higher risk tolerance.

Overall Technical Conclusion for Chime Financial, Inc.

Trend: Positive. The price trades above SMA50 and SMA200.

MACD trend (zero line): Daily bullish (1.850). Weekly bullish (2.665).

MACD momentum (signal): Daily falling. Weekly rising.

RSI: 66.4 – neutral.

Technical signal: Strong Buy

The price is in an uptrend (above SMA50/SMA200) and MACD is positive on both a daily and weekly basis. Trend and MACD trend confirm each other – the strongest technical buy signal.

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Frequently Asked Questions About Chime Financial stock in 2026

Should you buy Chime Financial stock now?
Yes, the technical signal for Chime Financial is currently BUY. Chime Financial trades at $34.44 as of 9/10/2026. The overall technical signal is: Strong Buy. The technical analysis shows the following: MACD is positive (bullish trend) at 1.850 with falling momentum (signal: 2.150); RSI is at 66.4 (neutral zone); the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $35.05 points to 1.8% upside. The stock is in a broader uptrend (above SMA50/SMA200). This is a technical observation based on current data, not investment advice.
What is the price target for Chime Financial stock?
The average analyst price target for Chime Financial is $35.05. The current price is $34.44, which gives an upside of 1.8%. Based on this, the stock is considered fairly valued. The fair value range (±10% of the price target) is between $31.55 and $38.56.
Is Chime Financial a dividend stock?
No, Chime Financial does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of Chime Financial stock?
Chime Financial is rated as a stock in the risk category Speculative. the annual standard deviation is 64.6%, which classifies the stock as Speculative.
Is Chime Financial overvalued?
Chime Financial is considered fairly valued – the price is close to the analyst price target. Chime Financial has the following valuation ratios: a P/E ratio of 6.0 (lowly valued), a P/S ratio of 5.0, a P/B ratio of 9.1. The stock trades close to the analyst price target and is considered fairly valued.
Is Chime Financial overbought?
No, Chime Financial is not overbought. RSI is at 66.4 (neutral zone). The technical indicators show: RSI is at 66.4 (upper neutral zone), which shows positive momentum but is not yet overbought. In addition, the price is 5.2% above the 20-day average (short-term uptrend). In addition, MACD is positive, but momentum is falling.
When is the next Chime Financial earnings report?
The date of the next earnings report for Chime Financial has not been published yet. Check the company's investor calendar for updates.
Is Chime Financial shorted?
Yes, Chime Financial is shorted with 6.5% of the free float sold short. This is a high level of short selling, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze. Data is updated daily based on official filings with the SEC.
Are insiders buying Chime Financial stock?
There is currently no registered insider trading for Chime Financial.
Is Chime Financial a good stock?
Based on our total score, Chime Financial is rated as a good stock with a total score of 74 out of 100. The stock scores above average on value, quality and momentum – it is among the top 26% in our database. The score is made up of Value: 72/100, Quality: 53/100, Momentum: 98/100. In addition: technical signal: Strong Buy. Whether Chime Financial is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Chime Financial stock?
The outlook for Chime Financial based on current data: the average analyst price target is $35.05 (+1.8%); the stock is in an uptrend (above SMA50 and SMA200); the P/E ratio is 6.0 (low – a possible value stock). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Chime Financial stock rising?
Chime Financial is rising right now. The technical indicators show: the price is 5.2% above the 20-day average; short interest is 6.5% (high – many are betting on a decline). For the latest context, see our technical analysis, insider section and news overview above.
How high can Chime Financial go?
The average analyst price target for Chime Financial is $35.05, which corresponds to a potential gain of 1.8% from the current price of $34.44. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Chime Financial fall?
We lack enough history to give a specific floor for Chime Financial. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Chime Financial do?
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 networ... The company belongs to the Technology sector, more specifically the Software - Application industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Chime Financial as an investment.
Did Chime Financial raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Chime Financial. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is Chime Financial making money or losing money?
No, Chime Financial is currently not making money — the company is losing money with a negative profit margin of -0.7%, a small loss. That means the business loses money on every dollar of revenue. The operating margin, however, is positive at 18.6% — the core business makes money; the loss comes from financing costs, taxes or one-off items. For growth stocks investing in expansion this is normal — but it raises the risk if the company does not reach break-even before its capital runs out.
Can Chime Financial go bankrupt?
The bankruptcy risk of Chime Financial is rated as low. Altman Z2 (a model for assessing financial distress) is 2.83 — that places the company in the healthy zone. The company has a healthy balance sheet with limited debt relative to earnings and assets. The Piotroski score (financial health 0-9, higher is better) is 6 — which is average. Debt relative to equity is 52% (moderate). Remember: models like Altman Z2 are statistical — unexpected shocks (fraud, a sector collapse, lawsuits) can always happen. Spread your portfolio.
Does Chime Financial have a lot of debt?
No, Chime Financial has low debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 52%. For the technology sector, anything below 60% counts as low debt. Tech companies are usually asset-light and need little borrowed capital — anything below 60% counts as low in this sector. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector.
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