<ul>
<li>MarketBeat 周回顾 – 05/11 - 05/15</li>
</ul>
<p>Chime Financial NASDAQ: CHYM 的联合创始人兼首席执行官 Chris Britt 表示，尽管投资者仍在质疑低收入和中等收入消费者的前景，但公司正在看到消费者活动的韧性、产品参与度的提升以及新产品的早期吸引力。</p>
<p>获取 <strong>Chime Financial</strong> 的提醒：</p>
<p>在与摩根大通的董事总经理兼高级分析师 Tien-tsin Huang 的投资者活动上，Britt 将 Chime 描述为一家以使命驱动的金融服务公司，专注于那些往往靠薪水生活的普通美国人。他表示，公司目前拥有超过 1000 万的月活跃会员，其中大多数将 Chime 作为他们的主要银行账户。</p>
<ul>
<li>Chime 最终实现盈利——但风险依然存在</li>
</ul>
<p>“这不是无银行账户的人，” Britt 说，指出许多会员来自于大型银行，如美国银行和富国银行。他表示，客户通常选择 Chime 是为了避免费用、获取短期流动性、建立信用，并感受到有一个 “在他们身边” 的金融服务提供者。</p>
<h2>首席执行官表示近期业绩显示出势头</h2>
<p>Huang 指出，Chime 最近报告了会员新增的创纪录季度、高增量利润率和 GAAP 盈利能力，尽管股票反应消极。Britt 表示，公司收入同比增长 25%，新增超过 70 万名净会员，交易利润同比增长超过 40%。他还表示，Chime 在最近一个季度报告了超过 5000 万美元的净收入。</p>
<ul>
<li>Chime Financial：分析师看好——并且这是一个买入机会</li>
</ul>
<p>Britt 表示，他认为投资者的担忧集中在消费者的状态上。然而，他表示 Chime 已经连续四个季度实现了 “超预期和上调” 的业绩，并继续看到健康的交易活动。他表示，Chime 的收入中约三分之二是基于交易的，其中大部分活动与非可自由支配支出相关。</p>
<p>根据 Britt 的说法，Chime 在非可自由支配类别中看到健康的消费趋势，以及娱乐和流媒体服务的两位数增长，以及在 Costco 和亚马逊等零售商的消费。他还表示，储蓄和支票账户余额有所上升。</p>
<p>Britt 表示，Chime 对消费者压力有可见性，因为它拥有许多会员的主要账户关系。如果失业率上升，他表示，Chime 将看到失业救济金流入账户，就像在 COVID 和其他困难时期一样。他还表示，Chime 的信用产品是短期性质的，有些产品在 7 到 14 天内到期，使公司能够在条件恶化时迅速调整。</p>
<h2>Chime 卡和高级层级旨在加深参与度</h2>
<p>Britt 讨论了 Chime 产品组合的演变，最初通过合作银行提供 FDIC 保险的支票账户。他表示，Chime 不是一家银行，而是与两家持有 FDIC 保险账户的银行合作。</p>
<p>他说，早期的直接存款访问和免手续费账户是 Chime 的首批主要产品，随后是信用建设者（Credit Builder），这是一种担保信用产品。更新版的 Chime 卡是这一担保信用概念的演变，增加了奖励。Britt 表示，将消费从借记卡转向担保信用卡使会员受益于奖励，同时也使 Chime 通过更高的担保卡交易收入受益。</p>
<p>公司还推出了 Chime Plus 和 Chime Prime 层级。Britt 表示，Chime Prime 于 4 月初推出，面向直接存款达到 3000 美元的会员，并在客户选择的类别中提供 5% 的现金返还。</p>
<p>他说，现在还为时尚早，但 Chime 已经看到更高的直接存款意图信号和更高的留存率。Britt 表示，接近 60% 的新 Chime 用户注册了 Chime 卡，而在这些用户中，约 70% 的消费是在 Chime 卡上而不是借记卡上。他表示，担保信用消费的总额从去年 9 月的 16% 上升到上个季度的接近 25%。</p>
<h2>流动性产品持续扩展</h2>
<p>Britt 表示，Chime 的流动性产品旨在建立更深的会员关系。他提到 MyPay，Chime 的工资获取产品，允许会员按需免费或以小额费用获取工资。他表示，MyPay 连续第二个季度的损失率为 1%，目前年化收入超过 4 亿美元。</p>
<p>Chime 还推出了 Instant Loan，这是一种针对较小会员群体的分期贷款产品。Britt 表示，Instant Loan 可以在三、六、九或 12 个月内以低价偿还。该产品的规模小于 MyPay，目前的发放金额超过 1 亿美元，但 Britt 表示它正在增长，并可能在未来几年成为交易利润的更重要贡献者。</p>
<h2>投资、联名账户和人工智能是下一个关注领域</h2>
<p>Britt 表示，Chime 计划在夏季推出投资账户，包括机器人投资和购买个股的能力。他还表示，联名账户是希望与配偶一起使用 Chime 的客户的重要产品。</p>
<p>另一个关注点是 Jade，Chime 的人工智能助手，Britt 表示正在逐步在应用程序中推出。他表示，目标是从被动洞察转向主动财务行动，例如在客户许可下将资金转入高收益储蓄或投资账户，或帮助偿还高利息债务。</p>
<p>Britt 表示，许多美国人的金融教育仍然有限，他认为人工智能是提供实用、可操作指导的一种方式，融入银行体验中。</p>
<h2>银行特许经营仍然是长期问题</h2>
<p>当被问及 Chime 是否需要成为一家银行时，Britt 表示公司的银行合作模式运作良好，其合作伙伴是 “令人难以置信的思想合作伙伴”。然而，他表示，实现 Chime 的长期愿景使得成为一家银行的问题 “更多的是何时，而不是是否”。</p>
<p>布里特还强调了 Chime 的企业渠道，包括最近宣布与美国最大的校车公司 First Student 的合作。他表示，First Student 的 65,000 名员工将获得 Chime 账户，并可以免费访问已赚取的工资。</p>
<p>在讨论结束时，布里特表示 Chime 在 200 万年收入不超过 10 万美元的美国人中渗透率约为 5%。他表示，公司仍然专注于收入增长、用户增长和持续改善盈利能力。</p>
<h2>关于 Chime Financial NASDAQ: CHYM</h2>
<p>Chime Financial 是一家总部位于美国的金融科技公司，提供以移动为先的银行服务，旨在减少费用并简化日常交易。该公司成立于 2013 年，总部位于旧金山，运营一个数字银行平台，为客户提供支票账户、储蓄账户和借记卡，无需每月维护费、透支费用或国际交易费。该公司的平台可通过其移动应用访问，使用户能够管理财务、跟踪支出并通过智能手机获得客户支持。</p>
<p>Chime 服务的核心是其无费用的支出账户，包括提前访问直接存款资金——在预定发薪日前最多可提前两天——以及即时交易提醒。</p>
<p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com.</em></p>
<h2>你现在应该投资 1,000 美元在 Chime Financial 吗？</h2>
<p>在考虑 Chime Financial 之前，你需要听听这个。</p>
<p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其向客户推荐的股票。MarketBeat 已识别出五只顶级分析师悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前……而 Chime Financial 并不在名单上。</p>
<p>虽然 Chime Financial 目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
<p>在这里查看这五只股票</p>

CHYM

金融科技指数 ETF - GlobalX

<p>Chime Financial 首席执行官 Chris Britt 报告称，消费者支出表现强劲，产品参与度高，活跃会员超过 1000 万。公司实现了同比 25% 的收入增长，净收入超过 5000 万美元。Britt 指出，三分之二的收入来自交易，非必要支出的趋势良好。Chime 的新产品，包括 Chime Card 和 MyPay，旨在加深与会员的关系并提升金融可及性</p>

<ul>
<li>MarketBeat Week in Review – 05/11 - 05/15</li>
</ul>
<div class="lb-trans"><ul>
<li>MarketBeat 周回顾 – 05/11 - 05/15</li>
</ul>
</div><p>Chime Financial NASDAQ: CHYM co-founder and Chief Executive Officer Chris Britt said the company is seeing resilient consumer activity, stronger product engagement and early traction from newer offerings, even as investors continue to question the outlook for lower- and middle-income consumers.</p>
<div class="lb-trans"><p>Chime Financial NASDAQ: CHYM 的联合创始人兼首席执行官 Chris Britt 表示，尽管投资者仍在质疑低收入和中等收入消费者的前景，但公司正在看到消费者活动的韧性、产品参与度的提升以及新产品的早期吸引力。</p>
</div><p>Get <strong>Chime Financial</strong> alerts:</p>
<div class="lb-trans"><p>获取 <strong>Chime Financial</strong> 的提醒：</p>
</div><p>Speaking at a JPMorgan investor event with Tien-tsin Huang, managing director and senior analyst at JPMorgan, Britt described Chime as a mission-driven financial services company focused on everyday Americans who often live paycheck to paycheck. He said the company now has more than 10 million monthly active members, with the majority using Chime as their primary bank account.</p>
<div class="lb-trans"><p>在与摩根大通的董事总经理兼高级分析师 Tien-tsin Huang 的投资者活动上，Britt 将 Chime 描述为一家以使命驱动的金融服务公司，专注于那些往往靠薪水生活的普通美国人。他表示，公司目前拥有超过 1000 万的月活跃会员，其中大多数将 Chime 作为他们的主要银行账户。</p>
</div><ul>
<li>Chime Finally Turns Profitable—But Risks Remain</li>
</ul>
<div class="lb-trans"><ul>
<li>Chime 最终实现盈利——但风险依然存在</li>
</ul>
</div><p>“This is not the unbanked,” Britt said, noting that many members come from large banks such as Bank of America and Wells Fargo. He said customers often choose Chime to avoid fees, access short-term liquidity, build credit and feel they have a financial provider “on their side.”</p>
<div class="lb-trans"><p>“这不是无银行账户的人，” Britt 说，指出许多会员来自于大型银行，如美国银行和富国银行。他表示，客户通常选择 Chime 是为了避免费用、获取短期流动性、建立信用，并感受到有一个 “在他们身边” 的金融服务提供者。</p>
</div><h2>CEO Says Recent Results Show Momentum</h2>
<div class="lb-trans"><h2>首席执行官表示近期业绩显示出势头</h2>
</div><p>Huang noted that Chime recently reported a record quarter for member additions, high incremental margins and GAAP profitability, though the stock reacted negatively. Britt said the company increased revenue 25% year over year, added more than 700,000 net new members and grew transaction profit by more than 40% year over year. He also said Chime reported more than $50 million of net income in the most recent quarter.</p>
<div class="lb-trans"><p>Huang 指出，Chime 最近报告了会员新增的创纪录季度、高增量利润率和 GAAP 盈利能力，尽管股票反应消极。Britt 表示，公司收入同比增长 25%，新增超过 70 万名净会员，交易利润同比增长超过 40%。他还表示，Chime 在最近一个季度报告了超过 5000 万美元的净收入。</p>
</div><ul>
<li>Chime Financial: Analysts Ring In—And It’s a Buy</li>
</ul>
<div class="lb-trans"><ul>
<li>Chime Financial：分析师看好——并且这是一个买入机会</li>
</ul>
</div><p>Britt said he believes investor concern is centered on the state of the consumer. However, he said Chime has seen four consecutive quarters of “beat and raised” results and continues to see healthy transaction activity. He said about two-thirds of Chime’s revenue is transaction-based, with much of that activity tied to non-discretionary spending.</p>
<div class="lb-trans"><p>Britt 表示，他认为投资者的担忧集中在消费者的状态上。然而，他表示 Chime 已经连续四个季度实现了 “超预期和上调” 的业绩，并继续看到健康的交易活动。他表示，Chime 的收入中约三分之二是基于交易的，其中大部分活动与非可自由支配支出相关。</p>
</div><p>According to Britt, Chime is seeing healthy spending trends across non-discretionary categories, as well as double-digit increases in entertainment and streaming services and spending at retailers such as Costco and Amazon. He also said savings and checking balances are up.</p>
<div class="lb-trans"><p>根据 Britt 的说法，Chime 在非可自由支配类别中看到健康的消费趋势，以及娱乐和流媒体服务的两位数增长，以及在 Costco 和亚马逊等零售商的消费。他还表示，储蓄和支票账户余额有所上升。</p>
</div><p>Britt said Chime has visibility into consumer stress because it owns the primary account relationship for many members. If job losses rise, he said, Chime would see unemployment benefits flowing into accounts, as it did during COVID and other difficult periods. He also said Chime’s credit products are short-term in nature, with some paper turning over in seven to 14 days, allowing the company to adjust quickly if conditions deteriorate.</p>
<div class="lb-trans"><p>Britt 表示，Chime 对消费者压力有可见性，因为它拥有许多会员的主要账户关系。如果失业率上升，他表示，Chime 将看到失业救济金流入账户，就像在 COVID 和其他困难时期一样。他还表示，Chime 的信用产品是短期性质的，有些产品在 7 到 14 天内到期，使公司能够在条件恶化时迅速调整。</p>
</div><h2>Chime Card, Prime Tier Aim to Deepen Engagement</h2>
<div class="lb-trans"><h2>Chime 卡和高级层级旨在加深参与度</h2>
</div><p>Britt discussed the evolution of Chime’s product suite, beginning with an FDIC-insured checking account offered through partner banks. He said Chime is not a bank and works with two bank partners that hold deposits in FDIC-insured accounts.</p>
<div class="lb-trans"><p>Britt 讨论了 Chime 产品组合的演变，最初通过合作银行提供 FDIC 保险的支票账户。他表示，Chime 不是一家银行，而是与两家持有 FDIC 保险账户的银行合作。</p>
</div><p>He said early direct deposit access and fee-free accounts were among Chime’s first major offerings, followed by Credit Builder, a secured credit product. The newer Chime Card is an evolution of that secured credit concept, with added rewards. Britt said shifting spending from debit to secured credit benefits members through rewards and benefits Chime through higher secured card interchange revenue.</p>
<div class="lb-trans"><p>他说，早期的直接存款访问和免手续费账户是 Chime 的首批主要产品，随后是信用建设者（Credit Builder），这是一种担保信用产品。更新版的 Chime 卡是这一担保信用概念的演变，增加了奖励。Britt 表示，将消费从借记卡转向担保信用卡使会员受益于奖励，同时也使 Chime 通过更高的担保卡交易收入受益。</p>
</div><p>The company has also launched Chime Plus and Chime Prime tiers. Britt said Chime Prime, launched in early April, is available to members with $3,000 in direct deposit and offers 5% cash back in a category of the customer’s choice.</p>
<div class="lb-trans"><p>公司还推出了 Chime Plus 和 Chime Prime 层级。Britt 表示，Chime Prime 于 4 月初推出，面向直接存款达到 3000 美元的会员，并在客户选择的类别中提供 5% 的现金返还。</p>
</div><p>He said it is still early, but Chime is already seeing higher signals of direct deposit intent and higher retention. Britt said close to 60% of new Chime users are signing up for the Chime Card, and that among those users, about 70% of spend is on the Chime Card rather than debit. He said total secured credit spend rose from 16% in September of last year to close to 25% last quarter.</p>
<div class="lb-trans"><p>他说，现在还为时尚早，但 Chime 已经看到更高的直接存款意图信号和更高的留存率。Britt 表示，接近 60% 的新 Chime 用户注册了 Chime 卡，而在这些用户中，约 70% 的消费是在 Chime 卡上而不是借记卡上。他表示，担保信用消费的总额从去年 9 月的 16% 上升到上个季度的接近 25%。</p>
</div><h2>Liquidity Products Continue to Expand</h2>
<div class="lb-trans"><h2>流动性产品持续扩展</h2>
</div><p>Britt said Chime’s liquidity offerings are designed to build deeper member relationships. He pointed to MyPay, Chime’s earned wage access product, which allows members to access pay on demand for free or for a small fee if they want funds instantly. He said MyPay had a 1% loss rate for a second consecutive quarter and is now running at more than $400 million in annualized revenue.</p>
<div class="lb-trans"><p>Britt 表示，Chime 的流动性产品旨在建立更深的会员关系。他提到 MyPay，Chime 的工资获取产品，允许会员按需免费或以小额费用获取工资。他表示，MyPay 连续第二个季度的损失率为 1%，目前年化收入超过 4 亿美元。</p>
</div><p>Chime is also rolling out Instant Loan, an installment loan product for a smaller subset of members. Britt said Instant Loan can be repaid over three, six, nine or 12 months at a low price. The product is smaller than MyPay, with more than $100 million in originations at this point, but Britt said it is growing and could become a more meaningful contributor to transaction profit in future years.</p>
<div class="lb-trans"><p>Chime 还推出了 Instant Loan，这是一种针对较小会员群体的分期贷款产品。Britt 表示，Instant Loan 可以在三、六、九或 12 个月内以低价偿还。该产品的规模小于 MyPay，目前的发放金额超过 1 亿美元，但 Britt 表示它正在增长，并可能在未来几年成为交易利润的更重要贡献者。</p>
</div><h2>Investing, Joint Accounts and AI Are Next Areas of Focus</h2>
<div class="lb-trans"><h2>投资、联名账户和人工智能是下一个关注领域</h2>
</div><p>Britt said Chime plans to roll out investment accounts this summer, including robo-investing and the ability to buy individual stocks. He also said joint accounts are an important product for customers who want to use Chime with a spouse.</p>
<div class="lb-trans"><p>Britt 表示，Chime 计划在夏季推出投资账户，包括机器人投资和购买个股的能力。他还表示，联名账户是希望与配偶一起使用 Chime 的客户的重要产品。</p>
</div><p>Another focus is Jade, Chime’s AI co-pilot, which Britt said is being rolled out gradually in the app. He said the goal is to move from reactive insights to proactive financial actions, such as moving money into high-yield savings or investment accounts, or helping pay down high-interest debt with customer permission.</p>
<div class="lb-trans"><p>另一个关注点是 Jade，Chime 的人工智能助手，Britt 表示正在逐步在应用程序中推出。他表示，目标是从被动洞察转向主动财务行动，例如在客户许可下将资金转入高收益储蓄或投资账户，或帮助偿还高利息债务。</p>
</div><p>Britt said financial education remains limited for many Americans, and he sees AI as a way to deliver practical, actionable guidance inside the banking experience.</p>
<div class="lb-trans"><p>Britt 表示，许多美国人的金融教育仍然有限，他认为人工智能是提供实用、可操作指导的一种方式，融入银行体验中。</p>
</div><h2>Bank Charter Remains a Long-Term Question</h2>
<div class="lb-trans"><h2>银行特许经营仍然是长期问题</h2>
</div><p>Asked whether Chime needs to become a bank, Britt said the company’s bank partnership model has worked well and its partners have been “incredible thought partners.” However, he said achieving Chime’s long-term vision makes becoming a bank “more of a when, not if” question.</p>
<div class="lb-trans"><p>当被问及 Chime 是否需要成为一家银行时，Britt 表示公司的银行合作模式运作良好，其合作伙伴是 “令人难以置信的思想合作伙伴”。然而，他表示，实现 Chime 的长期愿景使得成为一家银行的问题 “更多的是何时，而不是是否”。</p>
</div><p>Britt also highlighted Chime’s enterprise channel, including a recently announced partnership with First Student, the largest school bus company in America. He said First Student’s 65,000 employees will be offered Chime accounts and access to earned wages at no fee.</p>
<div class="lb-trans"><p>布里特还强调了 Chime 的企业渠道，包括最近宣布与美国最大的校车公司 First Student 的合作。他表示，First Student 的 65,000 名员工将获得 Chime 账户，并可以免费访问已赚取的工资。</p>
</div><p>Closing the discussion, Britt said Chime has about 5% penetration of 200 million Americans making up to $100,000 a year. He said the company remains focused on top-line growth, user growth and continued improvement in profitability.</p>
<div class="lb-trans"><p>在讨论结束时，布里特表示 Chime 在 200 万年收入不超过 10 万美元的美国人中渗透率约为 5%。他表示，公司仍然专注于收入增长、用户增长和持续改善盈利能力。</p>
</div><h2>About Chime Financial NASDAQ: CHYM</h2>
<div class="lb-trans"><h2>关于 Chime Financial NASDAQ: CHYM</h2>
</div><p>Chime Financial is a U.S.-based financial technology company offering mobile-first banking services designed to reduce fees and simplify everyday transactions. Founded in 2013 and headquartered in San Francisco, Chime operates a digital bank platform that provides customers with a checking account, a savings account, and a debit card without monthly maintenance fees, overdraft charges, or foreign transaction fees. The company’s platform is accessible via its mobile app, enabling users to manage their finances, track spending, and access customer support from their smartphones.</p>
<div class="lb-trans"><p>Chime Financial 是一家总部位于美国的金融科技公司，提供以移动为先的银行服务，旨在减少费用并简化日常交易。该公司成立于 2013 年，总部位于旧金山，运营一个数字银行平台，为客户提供支票账户、储蓄账户和借记卡，无需每月维护费、透支费用或国际交易费。该公司的平台可通过其移动应用访问，使用户能够管理财务、跟踪支出并通过智能手机获得客户支持。</p>
</div><p>At the core of Chime’s service offering is its fee-free spending account, which includes early access to direct deposit funds—up to two days before scheduled payday—and instant transaction alerts.</p>
<div class="lb-trans"><p>Chime 服务的核心是其无费用的支出账户，包括提前访问直接存款资金——在预定发薪日前最多可提前两天——以及即时交易提醒。</p>
</div><p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p>
<div class="lb-trans"><p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com.</em></p>
</div><h2>Should You Invest $1,000 in Chime Financial Right Now?</h2>
<div class="lb-trans"><h2>你现在应该投资 1,000 美元在 Chime Financial 吗？</h2>
</div><p>Before you consider Chime Financial, you'll want to hear this.</p>
<div class="lb-trans"><p>在考虑 Chime Financial 之前，你需要听听这个。</p>
</div><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Chime Financial wasn't on the list.</p>
<div class="lb-trans"><p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其向客户推荐的股票。MarketBeat 已识别出五只顶级分析师悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前……而 Chime Financial 并不在名单上。</p>
</div><p>While Chime Financial currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys.</p>
<div class="lb-trans"><p>虽然 Chime Financial 目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在这里查看这五只股票</p>
</div>

Chime Financial CEO Says Consumer Spending Holds Up as New Products Gain Traction

Market Beat

Chime Financial

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美国银行

富国银行

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亚马逊

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Chime Financial 的首席执行官表示，随着新产品逐渐受到欢迎，消费者支出依然坚挺