Stocktoria
Chime Financial, Inc. CHYM
Chime Financial, Inc. (CHYM) earns a Piotroski F-score of 4/9 (mixed financial health), with an Altman Z″ in the distress zone. It does not currently pay a dividend. FY2025 revenue was $2.2B at a -46.2% net margin.
Beneish M-score: -4.76 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-05-11 | Canaccord Genuity | Buy (main) |
| 2026-05-07 | Wells Fargo | Overweight (main) |
| 2026-04-22 | BMO Capital | Outperform (init) |
| 2026-04-13 | Wells Fargo | Overweight (init) |
| 2026-04-13 | Compass Point | Buy (up) |
| 2026-03-04 | Keybanc | Overweight (init) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · distress zone
| Component | Value |
|---|---|
| Working capital / assets | 0.696 |
| Retained earnings / assets | -1.717 |
| EBIT / assets | -0.529 |
| Equity / liabilities | 2.49 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CHYM | Chime Financial, Inc. | 4/9 | -1.97 | — | +30.7% |
| GDOT | GREEN DOT CORP | 3/9 | -2.07 | — | +20.7% |
| BKKT | Bakkt, Inc. | 2/9 | — | — | -32.1% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| PGY | Pagaya Technologies Ltd. | 5/9 | — | 16.2 | +26.1% |
| WD | Walker & Dunlop, Inc. | 1/9 | — | 31.6 | +9% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is CHYM financially healthy?
Chime Financial, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the distress zone.
Does CHYM pay a dividend?
No, Chime Financial, Inc. does not currently pay a dividend.
How profitable is CHYM?
In FY2025, Chime Financial, Inc. had a net margin of -46.2% and a return on equity of -72.1%.
What is the analyst price target for CHYM?
The average Wall-Street price target for Chime Financial, Inc. is $30.50, about 3.5% below the recent price, from 18 analysts (consensus: buy).
Is CHYM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Chime Financial, Inc.: a Piotroski F-score of 4/9, an Altman Z″ in the distress zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.