Chime Financial (CHYM) Stock: Buy, Sell, or Hold?
CHYM - Chime Financial, Inc. Class A Common Stock
$29.79
-0.37 (-1.23%)
âŧ
5d:
+0.4%
30d:
+10.05%
90d:
+36.28%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 04, 2026
11d
Get Alerted When CHYM Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
âšī¸ NEUTRAL: CHYM is fairly priced but lacks strong directional signals. At 1.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: CHYM is fairly priced but lacks strong directional signals. At 1.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.35
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$28.16
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 $29.79, which is considered slightly high relative to its 30-day fair value range of $27.19 to $31.10. The stock's valuation (Forward PE: 32.4) is in line with its historical norms (31.3). At these levels, the market is pricing in 1.1% annual earnings growth.
Technical Outlook: Technically, CHYM is in a strong uptrend. Immediate support is located at $28.57, while resistance sits at $31.07.
Market Sentiment: CHYM scores 38/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $39.55 (+31.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CHYM is in a strong uptrend. Immediate support is located at $28.57, while resistance sits at $31.07.
Market Sentiment: CHYM scores 38/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $39.55 (+31.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$27.19 -
$31.10
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
Protect Your Profits
Holding CHYM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Weak technical setup (38/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.1% below Wall St target ($39.55)
- BULLISH: Expecting earnings turnaround to 1.1% growth with 26.8% revenue growth
- WARNING: Composite score 44/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$27.19 -
$31.10
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$28.57
Resistance Level
$31.07
Current Trend
Strong Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
32.38
Wall Street Target
$39.55
(+31.1%)
Revenue Growth (YoY)
26.8%
Earnings Growth (YoY)
-33.8%
Profit Margin
-0.7%
Valuation Premium vs History
+1.1% premium
PE vs Historical
32.4 vs 31.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$30.49
(+1%)
2-Year Target
$30.83
(+2%)
3-Year Target
$31.17
(+3%)
3-Yr Target (if PE normalizes)
(PE: 32â31)
PE COMPRESSION
$30.13
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 32.4, Growth: 100.4%)
$101.79
(+238%)
Base:
(SPY PE: 19.9, Growth: 100.4%)
$62.44
(+107%)
Bear:
(PE: 16.9, Growth: 100.4%)
$53.07
(+76%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (35x PE), but valuation improves significantly next year (32x PE) as earnings recover.
Trailing PE: 34.51 | Current EPS (TTM): $0.88
Bull Case
$35.36
(+17%)
Analyst growth 5.9%, PE expands to 38.0
Base Case
$32.15
(+7%)
Market implied 5.9%, PE stable at 34.5
Bear Case
$20.65
(-32%)
Severe decline -20.0%, PE contracts to 29.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 10:50 AM ET
Data refreshes hourly during market hours. Next update: 11:50 AM
Data refreshes hourly during market hours. Next update: 11:50 AM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CHYM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Software - Application Stocks
Top-rated stocks in Software - Application by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
DDOG
Datadog Inc |
STRONG BUY
48 analysts |
$290 | 51 HOLD |
|
SNOW
Snowflake Inc. |
STRONG BUY
52 analysts |
$425 | 46 HOLD |
|
UBER
Uber Technologies Inc |
STRONG BUY
50 analysts |
$101 | 50 HOLD |
|
U
Unity Software Inc |
STRONG BUY
26 analysts |
$50 | 50 HOLD |
|
ZM
Zoom Video CommunicationâĻ |
BUY
30 analysts |
$118 | 47 HOLD |
Advanced CHYM Option Strategies
Professional options setups generated by AI based on today's CHYM price and gamma walls.