Rankings Financial data & insurance broking Chime
Chime
73
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- Multiples vs own history and absolute level−8
- Margin−6
- Stock-based compensation and dilution−3
Strengths
- Raised guidance+3
- Net cash+2
How the score is built
From 100 to 73, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 28.53 USD
- Median analyst target
- 40.00 USD
- Upside to median
- +40.2%
- Analysts
- 24
- Target range
- 31.00 – 50.00 USD
- 52-week change
- +66%
- P/E (trailing)
- n/a
- Forward P/E
- 42.6
- PEG
- n/a
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 4 findings−13 of −30
- −6MarginStill a GAAP loss of USD 18m TTM (net margin -0.7%) and -1.0bn in 2025; the operating margin only turned positive in 2026 (15.2% TTM), and the adjusted EBITDA margin is only about 15% despite a gross margin of 89%.
- −3Stock-based compensation and dilutionStock-based compensation of USD 284m TTM (11.5% of revenue) after USD 1.08bn in 2025; buybacks of USD 329m TTM roughly offset it.
- −2Earnings modelInterchange fees (Payments) make up 1.62 of 2.46bn USD in revenue (66%), and growth in Platform-related comes from MyPay advances and loans to low-income customers - a model that is sensitive to regulation of card fees and credit quality.
- −2Quality of growthRevenue growth is slowing (31% in 2024–2025 to 27% in Q2 2026), and only about 200,000 new active members in Q2; ARPAM rose only 6%.
Price
Today's multiples against the company's own history and its peers. · 2 findings−10 of −35
- −8Multiples vs own history and absolute levelForward P/E 44.4, EV/revenue 4.2 (vs 3.8 at the end of 2025) and EV/adjusted EBITDA for 2026 of about 22 (10.25bn / 470m USD) after +52% in a year - expensive for a consumer bank without GAAP profit.
- −2FCF yieldP/FCF 36 (FCF yield 2.8% TTM); analysts' 2026 FCF estimate of USD 598m gives about 5%, but assumes almost a doubling of FCF.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 5 findings−10 of −35
- −3Insider sellingDST Global entities (>10% owner) sold about 3.2m shares on 14 Sep 2026, director James Feuilles' entities 447,637 shares on 14-16 Sep, and CEO Chris Britt 300,000 shares for about USD 9.8m (10b5-1). No insider purchases.
- −2ManagementCFO Matt Newcomb is leaving (the president is acting CFO), at the same time as a cut of about 10% of employees.
- −2Acquisitions and regulationPurchase of partner bank Stride Bank for 590m USD in cash (about 1.5x tangible equity) requires approval from the OCC and the Federal Reserve and is expected to close only in H1 2027; the bank must be kept under 10bn USD in assets.
- −2Credit riskLending products are growing fast (Instant Loans lending about USD 300m in Q2, MyPay transaction profit 73m) against a low-income customer base.
- −1
Plus
Only documented strengths. · 2 findings+5 of +15
- +3Raised guidanceGuidance raised twice: after Q2 to revenue of 2.725-2.745bn USD and adjusted EBITDA of 465-475m, and again on 8 Sep to 2.76-2.77bn; expected new active members in 2026 raised to 1.8m from 1.4m.
- +2Net cashCash of 1.16bn USD vs debt of 181m (net cash 980m USD), and the Stride purchase is paid from own cash without raising capital.
Caveats
What the score does not capture, or where the data is weak.
Listed in June 2025, so there is only one year of multiple history; T2 is assessed against the short history and absolute level, not against retrieved peer multiples (Nu, SoFi, Dave were not retrieved). GAAP figures for 2025 are distorted by one-off stock-based compensation of USD 1.08bn at the IPO. stockanalysis' ROIC of 15% was not used. Q3 2026 is reported in November and is not included. Interchange regulation (Durbin) has not been examined in depth; the company wants to keep the bank's assets below USD 10bn.
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