Chime Financial Inc

Chime Financial Inc(CHYM)股票分析

$30.460

+0.853 (+2.80%)收盘时

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最高
31.070
开盘
29.830
成交量加权均价
30.40
成交量
3.25M
市值
—
最低
29.680
成交额
98.77M
企业价值/息税折旧摊销前利润(TTM)
16.48

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.

AI 分析 of Chime Financial Inc (CHYM)

买入

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.

估值指标

Chime Financial Inc(CHYM)当前预期市盈率为 20.58,5 年平均预期市盈率为 30.10。

预期市盈率

合理
5 年均值 P/E
30.10
当前P/E
20.58
高估
83.12
低估
-22.92

预期 EV/EBITDA

合理
5 年均值 EV/EBITDA
26.97
当前EV/EBITDA
16.48
高估
61.62
低估
-7.68

预期市销率

合理
5 年均值 P/S
3.22
当前P/S
3.34
高估
4.10
低估
2.33

持有 CHYM 的大户

D

Dragoneer Investment Group, LLC

+ 持有CHYM

+10.44%

3个月收益率

O

Occudo Quantitative Strategies LP

+ 持有CHYM

+9.42%

3个月收益率

G

General Atlantic Service Company, L.P.

+ 持有CHYM

+8.48%

3个月收益率

A

Ashton Thomas Private Wealth, LLC

+ 持有CHYM

+6.46%

3个月收益率

S

Spyglass Capital Management LLC

+ 持有CHYM

+2.32%

3个月收益率

T

Tiger Global Management LLC

+ 持有CHYM

+2.01%

3个月收益率

事件时间线

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

资讯

CHYM 常见问题 —— 由 Alphio AI 解答

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.

$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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本页仅供研究参考,不构成投资建议。模型可能出错。过往表现不代表未来结果。

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