CHYM Stock Analysis: Buy, Sell, or Hold?
CHYM - Chime Financial, Inc. Class A Common Stock
$24.26
1.27 (5.52%)
▲
5d:
+10.98%
30d:
+16.24%
90d:
+9.08%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 05, 2026
1d
Smart Money Distribution
None View Scanner →
Strength: 7.5/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: CHYM is 7.5% above its trading range ($22.57). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: CHYM is 7.5% above its trading range ($22.57). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.63
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$22.75
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 $24.26, which is considered extended relative to its 30-day fair value range of $20.43 to $22.57. The stock's valuation (Forward PE: 32.2) is in line with its historical norms (29.9). At these levels, the market is pricing in 2.6% annual earnings growth.
Technical Outlook: Technically, CHYM is in a downtrend. The price is approaching resistance at $24.39. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: CHYM has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $29.85 (+23.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CHYM is in a downtrend. The price is approaching resistance at $24.39. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: CHYM has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $29.85 (+23.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$20.43 -
$22.57
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
65.2%
Protect Your Profits
CHYM is technically overbought (RSI 71). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+7.5% above its trading range)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.5%)
- BULLISH: Trading 23.0% below Wall St target ($29.85)
- BULLISH: Expecting earnings turnaround to 2.6% growth with 24.8% revenue growth
- CAUTION: Extended 7.5% above its trading range - wait for pullback
Trading Range Analysis
30-Day Trading Range
$20.43 -
$22.57
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$20.23
Resistance Level
$24.39
Current Trend
Downtrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
32.24
Wall Street Target
$29.85
(+23.0%)
Revenue Growth (YoY)
24.8%
Earnings Growth (YoY)
-33.8%
Profit Margin
-41.9%
Valuation Premium vs History
+2.6% premium
PE vs Historical
32.2 vs 29.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.6%
(market-implied from PE analysis)
1-Year Target
$24.89
(+3%)
2-Year Target
$25.54
(+5%)
3-Year Target
$26.20
(+8%)
3-Yr Target (if PE normalizes)
(PE: 32→30)
PE COMPRESSION
$24.30
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 32.2, Growth: 130.5%)
$81.88
(+238%)
Base:
(SPY PE: 20.7, Growth: 130.5%)
$52.65
(+117%)
Bear:
(PE: 17.6, Growth: 130.5%)
$44.75
(+85%)
Share & Embed Analysis
Last updated: August 03, 2026 6:13 PM ET
Data refreshes hourly during market hours. Next update: 7:13 PM
Data refreshes hourly during market hours. Next update: 7:13 PM
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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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