---
title: "Chime Financial, Inc. (CHYM.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/CHYM.US.md"
symbol: "CHYM.US"
name: "Chime Financial, Inc."
industry: "Transaction and Payment Processing Services"
datetime: "2026-05-19T17:18:02.177Z"
locales:
  - [en](https://longbridge.com/en/quote/CHYM.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/CHYM.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/CHYM.US.md)
---

# Chime Financial, Inc. (CHYM.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Transaction and Payment Processing Services |
| Exchange | US Market |
| Website | [www.chime.com](https://www.chime.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:14.000Z

**Overall: B (0.26)**

**Industry**: Transaction and Payment Processing Services

| Metric | Value |
|--------|-------|
| Industry Ranking | 9 / 52 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 28.63% |  |
| Net Profit YoY | -3673.99% |  |
| P/B Ratio | 4.64 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 6686885889.45 |  |
| Revenue | 2315413000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 409.92% | A |
| Profit Margin | -41.87% | E |
| Gross Margin | 89.64% | A |
| Revenue YoY | 28.63% | A |
| Net Profit YoY | -3673.99% | E |
| Total Assets YoY | 35.82% | A |
| Net Assets YoY | 46.78% | A |
| Cash Flow Margin | -17.36% | D |
| OCF YoY | 28.63% | A |
| Turnover | 1.37 | A |
| Gearing Ratio | 26.09% | B |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Chime Financial, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "28.63%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-3673.99%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "4.64",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "6686885889.45",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "2315413000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "409.92%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "-41.87%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "89.64%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "28.63%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "-3673.99%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "35.82%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "46.78%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-17.36%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "28.63%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "1.37",
          "rating": "A"
        },
        {
          "name": "Gearing Ratio",
          "value": "26.09%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -6.99 | 40/52 | - | - | - |
| PB | 4.64 | 26/52 | 6.77 | 5.90 | 5.08 |
| PS (TTM) | 2.89 | 31/52 | 5.36 | 4.16 | 3.53 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Remitly Global (RELY.US) | B | A | A | B | A | A |
| 02 | Paymentus (PAY.US) | B | A | A | A | A | A |
| 03 | Visa (V.US) | A | B | C | D | B | B |
| 04 | Mastercard (MA.US) | A | B | B | E | B | B |
| 05 | Adyen N.V. (ADYEY.US) | A | B | D | D | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-18T04:00:00.000Z

Total Analysts: **18**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 11 | 61% |
| Overweight | 4 | 22% |
| Hold | 3 | 17% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 17.34 |
| Highest Target | 40.00 |
| Lowest Target | 21.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/CHYM.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/CHYM.US/norm.md)
- [Related News](https://longbridge.com/en/quote/CHYM.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/CHYM.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**