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
30.18 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 20:03 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price30.18 USD at the 5 Nov 2026 close
Our value readUndervalued vs our fair value, as of 5 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.92, read 2026-11-02
Ethical does not pass the values gate
Price30.18 USD
Fair value40.93
Ethical score70.0/100
Value readUndervaluedas of 5 Nov 2026
Our investment reviews on this name
2026-10-28Read Accumulation30.46-0.9% to today Markdown gives way to Accumulation after a 13% rise in 4 weeks
2026-10-02Read Markdown26.85+12.4% to today Markup gives way to Markdown after a 14% slide in 5 weeks
2026-08-25Read Markup31.25-3.4% to today Markdown gives way to Markup after an 87% rise in 8 weeks
2026-07-02Read Markdown16.70+80.7% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Chime Financial, Inc. holds its Accumulation at $30.18. Consolidating, no directional conviction, held for 59 days.
As held on the ledger · 2026-11-05
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 59 days
Price at the screen
$30.18
Valuation
33.94 trailing · 18.55 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
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.
The Ethical Read
Why It Falls Short, in Plain English
Chime Financial, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 5 Nov 2026: it trades at roughly a 27% discount to our $40.93 fair value, 26.80% revenue growth.
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. A 26.3% discount to the base estimate.
Where our models see it going: fair-value estimate $40.93, with a range of $31.40 to $52.33, dated to the 2026-11-05 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.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
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
2026-11-04Accumulation$28.20+0.9%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 0.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-03Accumulation$27.95+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-02Accumulation$27.95+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-01Accumulation$27.95-3.2%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 3.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-31Accumulation$28.87+0.0%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% 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 B. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-30Accumulation$28.87-2.4%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 2.4% 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 B. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-29Accumulation$29.57-2.9%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 2.9% 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 B. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% 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 B. Technically it is holding around 20% above 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markdown$30.46+1.3%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.3% 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 B. Technically it is holding around 23% above its long-term trend line with momentum reading overbought. 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. Insiders have been net sellers over the past quarter.
2026-10-15Markdown$30.08+12.1%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 12.1% 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 C. 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. Insiders have been net sellers over the past quarter.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.