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. Valued at $12.78B, CHYM is a large-cap name in its sector. 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
$12.78B
Beta
—
P/E (TTM)
6.29
P/E (Fwd)
20.97
EPS (TTM)
$5.37
EPS (Fwd)
$1.61
ROE
-1.3%
ROA
12.0%
Cash
$1.16B
Total Debt
$180.9M
Free CF
$437.7M
52W Change
38.9%
Annual Financials
Cash vs Debt
Where CHYM stands vs its 150-day and 200-day moving averages
As of the August 31, 2026 close, CHYM finished 51.74% above its 150-day moving average ($21.88) and 47.95% above its 200-day moving average ($22.44). 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 August 31, 2026 close, CHYM's RSI(14) was 67.3, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish 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. The company generates $437.7M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at -1.3%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Chime Financial, Inc. and its sector.