Chime Financial, Inc.
CHYMTechnologyNASDAQSoftware - Application
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Daily timeframeChime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. At a $11.19B market cap, Chime Financial, Inc. ranks as a large-cap company within technology. 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.
Market Cap
$11.19B
Beta
—
P/E (TTM)
34.38
P/E (Fwd)
18.37
EPS (TTM)
$0.86
EPS (Fwd)
$1.61
ROE
-1.3%
ROA
12.0%
Cash
$1.16B
Total Debt
$180.9M
Free CF
$437.7M
52W Change
56.9%
Annual Financials
Cash vs Debt
Where CHYM stands vs its 150-day and 200-day moving averages
As of the October 16, 2026 close, CHYM finished 27.00% above its 150-day moving average ($23.59) and 26.73% above its 200-day moving average ($23.64). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CHYM overbought or oversold?
At the October 16, 2026 close, CHYM's RSI(14) was 70.2, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $1.16B in cash comfortably exceeding the $180.9M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Annual free cash flow of $437.7M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of -1.3% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Return on assets of 12.0% further supports the picture of efficient asset utilization. Revenue has grown from $1.01B (2022) to $2.19B (2025), reflecting a 117% increase over the period.
With cash comfortably exceeding debt, CHYM has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Chime Financial, Inc.'s trajectory.