CHYM
Chime Financial, Inc. Class A Common Stock
FINANCE SERVICES
Best Finance Services Stocks 2026 →
Chime Financial (CHYM) Stock: Buy, Sell, or Hold?
$33.00
-0.08 (-0.24%)
▼
5d:
+9.34%
30d:
+13.79%
90d:
+3.06%
Open in Live Scanner
70/30 Portfolio Builder
Earnings: Nov 04, 2026
0d
Protect CHYM Gains
Updated Nov 12, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (24%)
Quality Score
23/100
Position
EXTENDED
30-Day Fair Range
$28.31 – $31.28
Position: EXTENDED
Forward P/E & Valuation
30.8x
FAIR
vs 31.3x historical avg
Wall Street Target
$41.90
+26.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$27.66 / $33.34
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: CHYM shows conflicting indicators. Wait for confirmation before entering.
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Nov 4, 2026 at $29.46 · last confirmed Nov 10, 2026
Strength: 6.5/10
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...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$52.23
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$32.43
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 $33.00, which is considered extended relative to its 30-day fair value range of $28.31 to $31.28. The stock's valuation (Forward PE: 30.8) is in line with its historical norms (31.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, CHYM is in a strong uptrend. The price is approaching resistance at $33.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHYM scores 0/100 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 $41.90 (+26.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CHYM is in a strong uptrend. The price is approaching resistance at $33.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHYM scores 0/100 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 $41.90 (+26.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$28.31 -
$31.28
Company Quality Score
23/100
(STRONG SELL)
Volume Confirmation
HIGH
Confidence Score
23.8%
Trading Range & Key Levels
30-Day Trading Range
$28.31 -
$31.28
Current vs Trading Range
EXTENDED
Support Level
$27.66
Resistance Level
$33.34
Current Trend
Strong Uptrend
Technical data as of
Nov 12, 2026
Protect Your Profits
Holding CHYM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BEARISH: Price extended above range (+5.5% above its trading range)
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.7% below Wall St target ($41.90)
- WARNING: Composite score 23/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
30.84
Wall Street Target
$41.90
(+26.7%)
Revenue Growth (YoY)
32.1%
Earnings Growth (YoY)
-33.8%
Profit Margin
3.0%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
30.8 vs 31.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$32.91
(-1%)
2-Year Target
$32.75
(-1%)
3-Year Target
$32.59
(-2%)
3-Yr Target (if PE normalizes)
(PE: 31→31)
$33.08
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 30.8, Growth: 106.6%)
$111.64
(+238%)
Base:
(SPY PE: 19.9, Growth: 106.6%)
$71.91
(+117%)
Bear:
(PE: 16.9, Growth: 106.6%)
$61.12
(+85%)
📈
Valuation based on Current Earnings
Trailing PE: 28.54 | Current EPS (TTM): $1.14
Bull Case
$33.68
(+2%)
Analyst growth -5.9%, PE expands to 31.4
Base Case
$30.62
(-7%)
Market implied -5.9%, PE stable at 28.5
Bear Case
$22.13
(-33%)
Severe decline -20.0%, PE contracts to 24.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 30.8 to 31.3
Stabilization Target:
$33.58
(+1.5%)
PE Expansion Potential:
+1.5%
Share CHYM Analysis
Share this live CHYM analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CHYM)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 5, 2026
Daily AI digest
AI Retail Discussion Summary:
Chime Financial (CHYM) reported Q3 2026 earnings with GAAP profitability, accelerating top-line growth, and expanding margins. The company is experiencing improvements in unit economics and focusing on capturing primary account relationships. Upcoming integrations and new tools are planned for 2027.
Key Retail Themes:
GAAP profitability
top-line growth
margin expansion
primary account relationships
Stride Bank integration
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 2:35 PM ET
Data refreshes hourly during market hours. Next update: 3:35 PM
Data refreshes hourly during market hours. Next update: 3:35 PM
🔥 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
47 analysts |
$272 | 59 HOLD |
|
SNOW
Snowflake Inc. |
STRONG BUY
52 analysts |
$427 | 55 HOLD |
|
UBER
Uber Technologies Inc |
STRONG BUY
50 analysts |
$99 | 47 HOLD |
|
ZM
Zoom Video Communication… |
BUY
30 analysts |
$119 | 59 HOLD |
|
CDNS
Cadence Design Systems I… |
STRONG BUY
24 analysts |
$412 | 49 HOLD |
Advanced CHYM Option Strategies
Professional options setups generated by AI based on today's CHYM price and gamma walls.
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive CHYM Research Pages