---
title: "Andrew Jeffrey Initiates Buy on Chime, Citing Improving Earnings Quality, Operating Leverage Upside and Margin-Supportive Rewards Strategy"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/293390280.md"
description: "William Blair analyst Andrew Jeffrey initiated a Buy rating on Chime (CHYM) stock, citing improving earnings quality, operating leverage upside, and a margin-supportive rewards strategy. He anticipates stronger organic revenue growth in late 2026 and views recent loan adjustments as moderating credit losses rather than volatility. Cantor Fitzgerald also initiated coverage with a Buy rating and a $26 price target on July 8."
datetime: "2026-07-21T21:53:37.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293390280.md)
  - [en](https://longbridge.com/en/news/293390280.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293390280.md)
---

# Andrew Jeffrey Initiates Buy on Chime, Citing Improving Earnings Quality, Operating Leverage Upside and Margin-Supportive Rewards Strategy

William Blair analyst Andrew Jeffrey has reiterated their bullish stance on CHYM stock, giving a Buy rating on July 8.

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Andrew Jeffrey has given his Buy rating due to a combination of factors, including Chime’s positioning for stronger earnings quality in the back half of 2026 and accelerating organic revenue growth. He believes the company’s operating leverage will drive meaningful EBITDA upside versus consensus, unlocking value as loan-related marks become a less significant component of results.

Jeffrey also views recent loan and product liability mark adjustments as a sign of moderating credit losses rather than lasting volatility, and expects investors to look through near-term noise. In his view, Chime’s evolving rewards-driven strategy and interchange economics should support margins and justify a higher valuation multiple as execution continues to improve.

According to TipRanks, Jeffrey is a 5-star analyst with an average return of 10.4% and a 59.92% success rate. Jeffrey covers the Technology sector, focusing on stocks such as Dave, Corpay Inc, and WEX.

In another report released on July 8, Cantor Fitzgerald also initiated coverage with a Buy rating on the stock with a $26.00 price target.

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