Added to YB: 2026-06-17
Pitch date: 2026-06-15
CHYM [neutral]
Chime Financial, Inc.
-3.18%
current return
Author Info
Bob’s Payment Stock Substack is a former analyst and portfolio manager. Fundamental buy-and-hold investor. Talking stocks and markets. Focus on Payments, Financial Technology, and Payroll and HCM. Sign up for the newsletter.
Company Info
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.
Market Cap
$6.7B
Pitch Price
$17.60
Price Target
N/A
Dividend
N/A
EV/EBITDA
-10.40
P/E
-5.80
EV/Sales
2.48
Sector
Financial Services
Category
growth
Chime Financial, Inc. - $CHYM
CHYM (overview): Consumer-friendly fintech, low-cost via proprietary ChimeCore (-60% processing costs). Stock -33% from $27 IPO on slowing spend volume (14.5% vs 19%), rising lending mix (~20%→25%), competition. Est 2027 rev $3.18B, EBITDA $409M-$694M, <16x. Risks: Durbin carveout, credit, bank charter. Author prefers MA, INTU, ADYEN, BR.
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