Chime Financial

CHYM · NASDAQ

$30.46+$0.83 (+2.80%)TodayMarket closed · Oct 20, 7:53 PM ET

Prev close $29.63

CHYM analyst rating

BuyConsensus of 20 analysts over the last 12 months. 90% rate it a buy.

Strong buy0
Buy18
Hold2
Underperform0
Sell0

12-month price target · 25 analysts

Average $40.43 (+32.7% upside)

Low: $30.30
Now: $30.46
High: $52.50

Upgrades and downgrades

The latest rating actions, newest first

CHYM analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Deutsche Bank	Oct 8, 2026	Upgrade	Hold → Buy	$30.00 → $35.00	31%
Goldman Sachs	Sep 15, 2026	Maintains	Buy	$33.00 → $37.00	52%
B. Riley Securities	Sep 14, 2026	Maintains	Buy	$37.00 → $44.00	52%
Rothschild & Co	Sep 14, 2026	Upgrade	Neutral → Buy	$46.00	0%
Loop Capital	Sep 9, 2026	Initiates	Buy	$45.00	54%
Scotiabank	Sep 9, 2026	Maintains	Sector Outperform	$40.00 → $42.00	19%
UBS	Sep 9, 2026	Maintains	Neutral	$28.00 → $31.00	45%
Morgan Stanley	Sep 9, 2026	Maintains	Overweight	$39.00 → $40.00	57%
Piper Sandler	Sep 9, 2026	Maintains	Overweight	$35.00 → $40.00	60%
Evercore ISI Group	Sep 9, 2026	Maintains	Outperform	$39.00 → $42.00	60%

The case for and against

Updated Oct 16, 2026

Bull case

Chime Financial is viewed favorably because management is demonstrating strong operating momentum, with 3Q26 revenue guidance raised to $705 million and full-year revenue guidance lifted to $2.76 billion-$2.77 billion, alongside adjusted EBITDA margins in the high teens. The outlook is further supported by the proposed $590 million acquisition of Stride Bank, which is expected to be immediately accretive, add more than $100 million in net synergies, reduce funding costs, and expand product velocity through vertical integration. Street expectations appear too conservative given recent incremental EBITDA margins of 58%, a projected 1,700-2,000 bps margin expansion over the next 2-3 years, and 20%+ top-line growth potential that can drive substantial EPS growth.

Bear case

Chime Financial is fundamentally challenged by a business model that depends heavily on active-member growth, retention, and interchange revenue, yet it faces intense competition from larger banks and fintech rivals with greater resources and scale. Its lack of a banking license creates structural dependence on third-party bank partners, while regulatory pressure around loans, fees, implied interest rates, EWA costs, and debit interchange could compress margins and disrupt revenue. The company’s credit products such as SpotMe and MyPay add repayment risk, and any slowdown in adoption of new offerings or deterioration in member financial health could weaken unit economics and keep the stock highly speculative.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.