CHYM Stock Analysis: Buy, Sell, or Hold?
CHYM - Chime Financial, Inc. Class A Common Stock
$32.78
0.83 (2.60%)
▲
5d:
+2.37%
30d:
+57.9%
90d:
+80.91%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: CHYM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CHYM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$43.01
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$26.70
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 $32.78, which is considered extended relative to its 30-day fair value range of $21.44 to $30.80. From a valuation perspective, the stock is trading at a premium (Forward PE: 37.1) compared to its historical average (30.6). At these levels, the market is pricing in 6.7% annual earnings growth.
Technical Outlook: Technically, CHYM is in a downtrend. The price is approaching resistance at $33.74. 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. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CHYM is in a downtrend. The price is approaching resistance at $33.74. 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. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$21.44 -
$30.80
Company Quality Score
28/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
22.4%
Protect Your Profits
CHYM is technically overbought (RSI 72). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+6.4% above its trading range)
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($34.20)
- BULLISH: Expecting earnings turnaround to 6.7% growth with 26.8% revenue growth
- WARNING: Composite score 28/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$21.44 -
$30.80
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$29.14
Resistance Level
$33.75
Current Trend
Downtrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
37.11
Wall Street Target
$34.20
(+4.3%)
Revenue Growth (YoY)
26.8%
Earnings Growth (YoY)
-33.8%
Profit Margin
-0.7%
Valuation Premium vs History
+6.7% premium
PE vs Historical
37.1 vs 30.6
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.7%
(market-implied from PE analysis)
1-Year Target
$34.98
(+7%)
2-Year Target
$37.32
(+14%)
3-Year Target
$39.82
(+22%)
3-Yr Target (if PE normalizes)
(PE: 37→31)
PE COMPRESSION
$32.84
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 37.1, Growth: 102.0%)
$110.63
(+238%)
Base:
(SPY PE: 20.1, Growth: 102.0%)
$59.84
(+83%)
Bear:
(PE: 17.1, Growth: 102.0%)
$50.86
(+55%)
📈
Valuation based on Current Earnings
Trailing PE: 6.16 | Current EPS (TTM): $5.19
Bull Case
$17.57
(-46%)
Analyst growth -50.0%, PE expands to 6.8
Base Case
$15.98
(-51%)
Market implied -50.0%, PE stable at 6.2
Bear Case
$21.73
(-34%)
Severe decline -20.0%, PE contracts to 5.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 10:10 PM ET
Data refreshes hourly during market hours. Next update: 11:10 PM
Data refreshes hourly during market hours. Next update: 11:10 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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