Chime Financial, Inc. Class A Common Stock (CHYM) is a Banks - Regional company in the Financial Services sector, currently trading at $23.41. It has a SharesGrow Score of 53/100, indicating a mixed investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CHYM = $-33.36 (-242.5% from the current price, the stock appears overvalued). Analyst consensus target is CHYM = $25 (+8.2% upside).
Valuation: CHYM trades at a trailing Price-to-Earnings (P/E) of -7.3 (S&P 500 average ~25).
Financials: revenue is $2.2B, +29.4%/yr average growth. Net income is $1.0B (loss), growing at -1246.9%/yr. Net profit margin is -46.2% (negative). Gross margin is 85.9% (+7.2 pp trend).
Balance sheet: total debt is $135M against $1.4B equity (Debt-to-Equity (D/E) ratio 0.1, conservative). Current ratio is 4.53 (strong liquidity). Debt-to-assets is 6.9%. Total assets: $2.0B.
Analyst outlook: 6 / 7 analysts rate CHYM as buy (86%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 47/100 (Partial), Growth 58/100 (Partial), Past 0/100 (Fail), Health 100/100 (Pass), Moat 74/100 (Pass), Future 82/100 (Pass), Income 10/100 (Fail).
