# Chime Financial, Class A Common Stock (CHYM.US)

Canonical: https://gigainvestors.com/s/CHYM

Analysis as of: 2026-10-16T07:27:25.631Z. 

Listing currency: USD. Reporting currency: USD.

## Verdict

Not enough history yet

Quality tests for Buy: not passed (profit record: fail; earnings resilience is evidence only). Published buy qualification: no.

Share price: $29.96 per share; close as of 2026-10-15.

## Checklist

### understandable: na

### moat: na

### economics: na

### management: na

### accounting: na

## Holders

- [Christopher Davis](https://gigainvestors.com/DAV): tracked 13F investor; follow the investor page for holding quarter and amounts.

- [Samantha McLemore](https://gigainvestors.com/PTNT): tracked 13F investor; follow the investor page for holding quarter and amounts.

- [Chase Coleman](https://gigainvestors.com/TGM): tracked 13F investor; follow the investor page for holding quarter and amounts.

## Price story

Down 13% since Jun 2025

Story as of 2026-10-16T10:01:27.168Z; price observation 2026-10-15.

## Owner memo

Memo as of 2026-10-16T08:06:05.509Z.

### How it makes money

Operates in software application; annual sales are USD 2.2 billion.

- Source: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm (filed 2026-03-06); FY2025: revenue 2186770000; grossProfit 1877744000; margin = grossProfit / revenue.

- Source: https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds/ (filed 2026-10-16); CHYM.US: 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.

### Why customers stay

Margins ranged from 82.8% to 87.6% during 2023–25.

- Source: https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds/ (filed 2026-03-06); FY2023: grossProfit / revenue = 82.8%.

- Source: https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds/ (filed 2026-03-06); FY2024: grossProfit / revenue = 87.6%.

- Source: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm (filed 2026-03-06); FY2025: grossProfit / revenue = 85.9%.

### Where the cash goes

Paid no dividends in 3 years; bought back USD 77.5 million of shares.

- Source: https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds/ (filed 2026-03-06); Dividend observations: [[2023,0],[2024,0],[2025,0]]. Zero only counted when supported by a complete cash-flow statement.

- Source: https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm (filed 2026-03-06); FY2025: cash repurchases 77538000 USD.

### What the price says

The price is 3.2 times annual sales; cash earnings are negative.

- Source: https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds/ (filed 2026-03-06); Closing price 29.96 USD; reporting-to-trading FX 1; FY2025 annual sales per share 9.25537219446332; price multiple 3.2370389186425643. FY2025 cash earnings/share -4.231690572664204. Closing-price date 2026-10-15.

## Monthly share-price history (USD per share)

- 2025-06: $34.51 per share

- 2025-07: $34.41 per share

- 2025-08: $26.41 per share

- 2025-09: $20.17 per share

- 2025-10: $17.17 per share

- 2025-11: $21.13 per share

- 2025-12: $25.17 per share

- 2026-01: $25.42 per share

- 2026-02: $22.13 per share

- 2026-03: $18.73 per share

- 2026-04: $21.86 per share

- 2026-05: $18.60 per share

- 2026-06: $20.48 per share

- 2026-07: $22.99 per share

- 2026-08: $33.11 per share

- 2026-09: $26.64 per share

- 2026-10: $29.96 per share

## Annual estimated value (USD per share)

Historical values use today's bond yield for every fiscal year

Historical values use today's FX rate into trading currency for every fiscal year

Historical values use current restated fundamentals and current commodity classification; they are not point-in-time estimates

## Sources

[Original 10-K filing](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm); period 2025-12-31, filed 2026-03-06.

Estimates depend on assumptions and are not guarantees or investment advice. Underlying data remains subject to its source licenses; public reading does not grant bulk redistribution rights.