Chime Financial

Chime (CHYM) gapped up to $29.00 and rallied to an intraday $30.44 on Nov 4 before settling at $29.895, up 6.01% from the $28.20 prior close, then extended to $30.91 after hours as the company released third-quarter results and raised its full-year revenue forecast, while expanded Workday direct-deposit access added support. Prior Q2 revenue was $669.8 million, up 26.81% year over year; net income was $27.85 million, up 103.02%; EPS was $0.07, up 100.96%; net margin was 4.16%. Deutsche Bank upgraded its rating and Goldman Sachs maintained its rating. At $29.895 the close remained below the 60-day MA of $30.412 but above the 20-day MA of $29.378; YTD it is up 13.24% and 15.91% below the 52-week high of $35.55, with the after-hours print at $30.91 back above the 60-day line. Though co-founder Ryan A. King disclosed a roughly $1.48 million share sale.

Chime Financial plunged 5.1% in regular trading, driven by persistent insider selling pressure after General Counsel Adam B. Frankel and directors disposed substantial share parcels. The stock rallied to an intraday high of $29.40 in pre-market but reversed sharply after the open, trending down to a session low of $27.163. Despite Q2 revenue rising 26.81% YoY to $669.8 million and net profit turning positive at $27.85 million, the insider transactions overshadowed fundamental improvement. The stock now trades below its MA20 ($32.171) and MA60 ($27.682), sitting 23.6% off the 52-week high of $35.55. Nonetheless, the Stride Bank acquisition and new NYC office reflect ongoing strategic moves.

CHYM.US opened lower and declined steadily throughout the regular session, closing down 5.0% at $31.925, significantly underperforming its pre-market slip of 0.9%. The stock fell below its 20-day moving average ($33.047) and widened its discount to the 52-week high of $35.55 to 10.2%. The selloff was primarily driven by recent insider selling—a director sold 277,007 shares and the chief accounting officer disposed of $639,758 in common stock over the past two days, stoking concerns about management confidence. Meanwhile, despite analysts raising ratings after last week's $590 million Stride Bank acquisition, the market now focuses on integration risks and near-term valuation pressure, with the stock trading at a P/B of 8.6x and a net profit margin of only 4.16%. However, Q2 revenue grew 26.81% YoY to $669.8 million, and net profit turned positive at $27.85 million, sustaining an improving fundamental trajectory. The stock remains 20.93% higher YTD and trades 101% above its 52-week low.

Chime Financial dropped 4.72% during regular trading to close at $32.92, driven by profit-taking after pre-market highs and mixed news flows. The stock surged in pre-market to $35.23 after the company announced a $590 million acquisition of Stride Bank to obtain a banking license and raised its 2026 revenue guidance to $2.76-$2.77 billion. However, the intraday session saw a sharp reversal into a single-day downtrend, falling from the pre-market high of $35.23 to a low of $32.92, a 6.56% range, while the disclosure that Chief Accounting Officer Asmerom Amine disposed of $639,758 in shares added selling pressure. Financially, Q2 revenue grew 26.8% YoY to $670 million, and net profit turned positive at $27.85 million, yet the net profit margin remained thin at 4.16%, and the PB of 8.87x raised valuation concerns. The stock sits 7.45% below its 52-week high of $35.55 but is up 24.62% YTD, trading above both MA20 ($32.81) and MA60 ($25.74), suggesting technical support. Though, the post-market quote rebounded to $34.47, indicating lingering buying interest.

Chime Financial traded up about 9.4% to $35.44 during regular hours, approaching its 52-week high of $35.54, driven by the announcement of a $590 million acquisition of nationally chartered Stride Bank and raised guidance. The stock hit a pre-market high of $36.40 before paring gains. Q2 revenue rose 26.81% YoY to $669.8 million, with net income of $27.85 million turning profitable, net margin at 4.16%. The stock has rallied 123% from its 52-week low of $15.88, with YTD gains of 34.24%, trading above MA20 ($32.78) and MA60 ($25.50). Though its PB stands at 9.57x.