Chime Financial Inc

Chime Financial Inc(CHYM)の株式分析

$30.160

-0.208 (-0.69%)終値時点

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高値
30.730
始値
29.970
出来高加重平均価格
30.16
出来高
2.09M
時価総額
—
安値
29.595
売買代金
63.09M
EV/EBITDA(TTM)
16.96

Chime Financial, Inc. is a financial technology company. The Company offers a range of low-cost banking and payments products that address the financial needs of everyday people. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, nationwide ATM and cash deposit networks, and early access to their paycheck, allowing them to manage their money and pay for everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it most for free. These products include SpotMe, MyPay and Instant Loans. The SpotMe which allows eligible members to overdraft fee-free within their available limit. The MyPay, which allows its members to access up to $500 of their pay on demand before payday. The Instant Loans allows eligible members to borrow funds repaid in equal monthly installments over a specified period.

www.chime.com

AI分析 of Chime Financial Inc (CHYM)

買い

Chime Financial Inc is a good buy right now due to its recent profitability improvement, with a reported EPS of $0.07 in Q2 2026, and a forward P/E ratio of 20.58, suggesting reasonable valuation compared to its growth prospects. Additionally, the stock has rebounded 80% since June, indicating strong market confidence. However, the main risk is the high volatility, with an implied volatility of 71.65%, which could lead to price fluctuations.

バリュエーション指標

Chime Financial Inc(CHYM)の現在の予想PERは20.58で、5年平均は30.07です。

予想PER

適正
5年平均 P/E
30.07
現在のP/E
20.58
割高
83.01
割安
-22.87

予想EV/EBITDA

適正
5年平均 EV/EBITDA
26.94
現在のEV/EBITDA
16.96
割高
61.54
割安
-7.66

予想PSR

適正
5年平均 P/S
3.22
現在のP/S
3.43
割高
4.10
割安
2.33

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イベントタイムライン

2026-10-08 (ET)

16:30:00

Major Averages Decline Amid Rising Oil Prices

12:30:00

Major Averages Decline as Oil Prices Surge

2026-09-16 (ET)

09:30:00

Chime Opens New Office in New York

2026-09-09 (ET)

16:30:00

Major Averages Decline for Second Day as Treasury Yields and Oil Prices Rise

ニュース

CHYM のよくある質問 — Alphio AI が回答

Chime Financial, Inc. is a financial technology company. The Company offers a range of low-cost banking and payments products that address the financial needs of everyday people. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, nationwide ATM and cash deposit networks, and early access to their paycheck, allowing them to manage their money and pay for everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it most for free. These products include SpotMe, MyPay and Instant Loans. The SpotMe which allows eligible members to overdraft fee-free within their available limit. The MyPay, which allows its members to access up to $500 of their pay on demand before payday. The Instant Loans allows eligible members to borrow funds repaid in equal monthly installments over a specified period. It operates in the Technology sector.

Chime Financial Inc is a good buy right now due to its recent profitability improvement, with a reported EPS of $0.07 in Q2 2026, and a forward P/E ratio of 20.58, suggesting reasonable valuation compared to its growth prospects. Additionally, the stock has rebounded 80% since June, indicating strong market confidence. However, the main risk is the high volatility, with an implied volatility of 71.65%, which could lead to price fluctuations.

コミュニティ

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$CHYM Chime has announced a definitive agreement to acquire Stride Bank, N.A. for $590M in cash. Stride has served as Chime's banking partner for over seven years. After the deal closes, Stride will become Chime Bank, N.A. and operate as a wholly owned subsidiary of Chime. Chris Britt, CEO and Co-founder of Chime, said the company's member-focused, technology-driven approach will stay the same, and the acquisition is expected to strengthen their model by combining Chime's brand and member relationships with Stride's national charter and team. The transaction is expected to be accretive to earnings per share immediately upon closing. Chime anticipates over $100M in net synergies from sponsor bank fee savings, expanded lending products, and a lower cost of funds. The deal values Stride at approximately 1.5x tangible book value. Chime plans to fund the purchase with cash on hand, with no additional capital contribution expected. After closing, Chime will consolidate its banking activities at Stride, which will focus on supporting Chime's consumer business. Chime expects to keep its assets below $10 billion for the foreseeable future. The transaction is expected to close in the first half of 2027, subject to regulatory approvals and customary closing conditions. Both companies' boards have unanimously approved the deal.

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