CHYM Stock Analysis: Buy, Sell, or Hold?
CHYM - Chime Financial, Inc. Class A Common Stock
$16.89
-0.04 (-0.21%)
▼
5d:
-4.28%
30d:
-6.82%
90d:
-14.64%
BUY
HIGH Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Aug 06, 2026
Smart Money Accumulation
None View Scanner →
Strength: 6.5/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CHYM trading at deep discount. Market pricing in -11.1% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: CHYM trading at deep discount. Market pricing in -11.1% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.58
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$23.34
27.6% Margin of Safety
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 $16.89, which is considered oversold relative to its 30-day fair value range of $16.95 to $18.22. From a valuation perspective, the stock is trading at a discount (Forward PE: 21.9) compared to its historical average (31.2). Remarkably, the market is currently pricing in an annual earnings decline of 11.1% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, CHYM is in a downtrend. Immediate support is located at $15.88, while resistance sits at $18.04.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.50 (+80.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CHYM is in a downtrend. Immediate support is located at $15.88, while resistance sits at $18.04.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.50 (+80.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$16.95 -
$18.22
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 80.3% below Wall St target ($30.50)
Trading Range Analysis
30-Day Trading Range
$16.95 -
$18.22
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$15.88
Resistance Level
$18.04
Current Trend
Downtrend
Technical data as of
Jun 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
21.92
Wall Street Target
$30.50
(+80.3%)
Revenue Growth (YoY)
24.8%
Earnings Growth (YoY)
-33.8%
Profit Margin
-41.9%
Valuation Discount vs History
-11.1% cheaper
PE vs Historical
21.9 vs 31.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-11.1%
(market-implied from PE analysis)
1-Year Target
$15.23
(-10%)
2-Year Target
$13.71
(-19%)
3-Year Target
$12.33
(-27%)
3-Yr Target (if PE normalizes)
(PE: 22→31)
$17.56
(+4%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 143.5%)
$57.11
(+238%)
Base:
(SPY PE: 21.8, Growth: 143.5%)
$56.75
(+235%)
Bear:
(PE: 18.5, Growth: 143.5%)
$48.24
(+185%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 21.9 to 31.2
Stabilization Target:
$24.09
(+42.4%)
PE Expansion Potential:
+42.4%
Share & Embed Analysis
Last updated: June 23, 2026 11:18 AM ET
Data refreshes hourly during market hours. Next update: 12:18 PM
Data refreshes hourly during market hours. Next update: 12:18 PM
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Technical Signals Check
Is CHYM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Adam B Frankel
SELL
500 shares
2026-01-09
Christopher R Britt
SELL
50000 shares
2026-01-09
Matthew S Newcomb
SELL
10000 shares
2026-01-09
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