CHYM Stock Analysis: Buy, Sell, or Hold?
CHYM - Chime Financial, Inc. Class A Common Stock
$29.10
-2.15 (-6.88%)
▼
5d:
+26.58%
30d:
+36.56%
90d:
+53.08%
WAIT
LOW Confidence
Analysis Updated: Aug 7, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
Smart Money Distribution
None View Scanner →
Strength: 10.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR BETTER ENTRY: CHYM is 16.5% above its trading range ($24.97). Market expects 7.5% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
⏸️ WAIT FOR BETTER ENTRY: CHYM is 16.5% above its trading range ($24.97). Market expects 7.5% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.94
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$23.56
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CHYM is currently trading at $29.10, which is considered extended relative to its 30-day fair value range of $20.08 to $24.97. From a valuation perspective, the stock is trading at a premium (Forward PE: 37.3) compared to its historical average (30.0). At these levels, the market is pricing in 7.5% annual earnings growth.
Technical Outlook: Technically, CHYM is in a downtrend. Immediate support is located at $20.90, while resistance sits at $33.41. Short-term momentum is weak, with the stock down 6.9% recently.
Market Sentiment: CHYM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CHYM is in a downtrend. Immediate support is located at $20.90, while resistance sits at $33.41. Short-term momentum is weak, with the stock down 6.9% recently.
Market Sentiment: CHYM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$20.08 -
$24.97
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
Protect Your Profits
CHYM is technically overbought (RSI 73). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price significantly overextended (+16.5% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-6.9%)
- NEUTRAL: Near Wall St target ($30.35)
- BULLISH: Expecting earnings turnaround to 7.5% growth with 24.8% revenue growth
- BULLISH: Bottoming setup score 60/100 — corrected, stabilizing, and turning up
- WARNING: Recommendation downgraded due to 16.5% overvaluation
Trading Range Analysis
30-Day Trading Range
$20.08 -
$24.97
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$20.90
Resistance Level
$33.41
Current Trend
Downtrend
Technical data as of
Aug 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
37.34
Wall Street Target
$30.35
(+4.3%)
Revenue Growth (YoY)
24.8%
Earnings Growth (YoY)
-33.8%
Profit Margin
-41.9%
Valuation Premium vs History
+7.5% premium
PE vs Historical
37.3 vs 30.0
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+7.5%
(market-implied from PE analysis)
1-Year Target
$31.28
(+8%)
2-Year Target
$33.63
(+16%)
3-Year Target
$36.15
(+24%)
3-Yr Target (if PE normalizes)
(PE: 37→30)
PE COMPRESSION
$29.05
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 37.3, Growth: 83.4%)
$98.21
(+238%)
Base:
(SPY PE: 20.2, Growth: 83.4%)
$53.21
(+83%)
Bear:
(PE: 17.2, Growth: 83.4%)
$45.23
(+55%)
Share & Embed Analysis
Last updated: August 08, 2026 5:25 AM ET
Data refreshes hourly during market hours. Next update: 6:25 AM
Data refreshes hourly during market hours. Next update: 6:25 AM
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Technical Signals Check
Is CHYM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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