CHYM | Ticker Profile - Titan Protect

CHYM

Chime Financial, Inc.

Technology · Software - Application · NMS

$17.48

Data: 2026-05-28

✓ ETHICAL PASS

Unknown MOAT

HIGH

Data Confidence: 85.7%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$6.6B

Total market value of the company

Trailing P/E

N/A

Forward P/E

15.02

Based on estimated future earnings — lower means cheaper

Rev Growth

+24.8%

Year-over-year revenue change

Profit Margin

-41.9%

How much profit the company keeps from each dollar of revenue

ROE

-80.0%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$30.00

+72% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 18 analysts covering this stock

About Chime Financial, Inc.

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

https://www.chime.com

Country: United States Employees: 1,519 Industry: Software - Application

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% PASS

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

-0.838

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.0729

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.970

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-52.8%

Historical annualised return based on price data

Max Drawdown

-54.4%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

N/A

52W High

$44.94

61% below the year high

52W Low

$16.17

8% above the year low

Avg Volume

4,876,308

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

3.9%

Low short interest — limited bearish positioning

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$-4.14

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

9.21

Heavy leverage — higher financial risk if revenues decline

Current Ratio

5.07

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

4.10

Like current ratio but excludes inventory — stricter test

Gross Margin

88.4%

Revenue left after cost of goods — higher means pricing power

Operating Margin

20.9%

Profit from core operations before interest and tax

Free Cash Flow

$654M

Positive — the business generates more cash than it spends

Revenue (TTM)

$2.3B

Total revenue over the last 12 months

Net Income

$-956,480,000

Loss-making — spending exceeds revenue after all costs

Analyst Coverage

Analysts

Target High

$40.00

Target Median

$30.00

Target Low

$21.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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