Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.
FAIL · Does not pass the screen
33.00 USD
At the last full screen 2026-09-11
Screened 2026-09-11 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Chime Financial, Inc. holds its Markdown at $33.00. The statistical read favours the sellers, held for 25 days.
As held on the ledger · 2026-09-11
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 25 days
Price at the screen
$33.00
Valuation
6.15 trailing · 20.50 forward price to earnings
Values screen
FAIL· score 70.0
The Workings
Five Screens, Shown in Full
Does not pass. Business activity: conventional financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
No prohibited business activity identified
Fail
Debt load
6.85%
Below 33%
Interest-bearing debt is just 6.9% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
29.92%
Below 33%
Cash held in interest-bearing accounts and securities is 29.9% of assets, under the one-third limit.
Pass
Receivables
36.86%
Below 49%
Money owed to the company is 36.9% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-11 screen. The gold marker is the market price at the same screen. A 21.0% margin of safety to the base estimate.
Third-party analyst targets: 21 covering, consensus Buy. The average target sits +15% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-11 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Chime chases banking users while bleeding cash
Picture a young worker in Ohio using Chime to dodge overdraft fees and get paid two days early. The app has built real usage, yet the business still loses 42 pence on every pound of revenue and posts an 80% negative return on equity. Our screen gives it a clean ethical pass, but the opportunity rating stays at none because the path to sustained profit remains unclear despite 25% revenue growth and a forward multiple of 13.9 times.
Analysts like the story and set a 30 dollar median target against the current 22.33 dollar price, and our own fair value sits higher at 35.41. That margin looks attractive on paper. We still pass because unknown competitive strength and persistent losses outweigh the headline numbers.
High growth in consumer fintech often masks thin margins and execution risk until scale arrives. Currency moves or a slowdown in user adds could widen the losses further. The ethical clearance is welcome, yet it does not turn unprofitable operations into an investable case right now.
Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CHYM trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-25Markup · changed$31.25+39.9%Entry 5
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 39.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (18 analysts) rates it buy, with a mean price target of $31.
2026-07-24Markdown$22.33+33.7%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 33.7% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (18 analysts) rates it buy, with a mean price target of $31.
2026-07-18Markdown$16.70+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (18 analysts) rates it buy, with a mean price target of $31.
2026-07-03Markdown$16.70+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Markdown$16.70Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.