Chime Financial (NASDAQ:CHYM) Shares Down 10.6% – Here’s What Happened

Shares of Chime Financial, Inc. (NASDAQ:CHYM) traded down 10.6% on Friday . The company traded as low as $21.25 and last traded at $21.42. 3,269,567 shares were traded during mid-day trading, a decline of 1% from the average session volume of 3,292,521 shares. The stock had previously closed at $23.97.

Chime Financial News Summary

Here are the key news stories impacting Chime Financial this week:

• Positive Sentiment: Company issued 2026 revenue guidance above Wall Street estimates, citing strong demand for its digital banking products and resilient consumer spending — a key driver cited by reporters for the earlier intraday surge. Fintech Chime sees 2026 revenue above estimates on strong demand
• Positive Sentiment: Q4 results beat EPS estimates (reported -$0.12 vs. consensus -$0.20) and delivered 25.5% YoY revenue growth to $596.4M — evidence of accelerating top-line momentum the company says is driven by increased card spending and product adoption. Chime Financial Inc (CHYM) Q4 2025 Earnings Call Highlights
• Positive Sentiment: Active members rose to ~9.5M and management highlighted stronger engagement (Chime card use and primary-account adoption), supporting revenue durability and the company’s earned-wage-access growth thesis. Chime Active Members Hit 9.5M
• Positive Sentiment: Goldman Sachs reiterated a Buy on CHYM and set a $31 price target, citing execution, expanding margins and new growth drivers out to 2026 — a constructive analyst view that supports upside. Chime: Strong Execution, Expanding Margins
• Neutral Sentiment: UBS raised its price target from $24 to $27 but kept a Neutral rating — a partial endorsement (higher target) that falls short of broad bullish analyst consensus. UBS raises price target on Chime
• Neutral Sentiment: Earnings call transcript and slide deck are available for deeper read on unit economics and guidance details for Q1/FY26 — useful for investors who want to model cadence of revenue and cost improvements. Chime Q4 2025 Earnings Call Transcript
• Negative Sentiment: Chime remains unprofitable: negative net margin (~46%) and negative ROE (~70%), and a negative P/E — investors may be discounting the stock due to persistent losses and uncertainty on when margins turn sustainably positive. Chime Q4 results and metrics
• Negative Sentiment: Despite the beats and guidance, the stock pulled back today — likely a mix of profit-taking after the prior run-up, valuation concerns given continued losses, and elevated trading volume as investors reassess expectations. Fintech Chime sees 2026 revenue above estimates; shares surge

Analyst Upgrades and Downgrades

CHYM has been the topic of a number of research reports. Williams Trading set a $17.00 price objective on shares of Chime Financial in a research note on Monday, November 3rd. Wall Street Zen raised shares of Chime Financial from a “sell” rating to a “hold” rating in a report on Sunday, February 15th. JPMorgan Chase & Co. dropped their price objective on shares of Chime Financial from $40.00 to $34.00 and set an “overweight” rating for the company in a research note on Thursday, November 6th. B. Riley Financial initiated coverage on Chime Financial in a research report on Thursday, December 11th. They set a “buy” rating and a $35.00 price objective for the company. Finally, Jefferies Financial Group started coverage on Chime Financial in a research note on Monday, November 3rd. They issued a “hold” rating and a $17.00 target price on the stock. One research analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating, five have assigned a Hold rating and one has assigned a Sell rating to the company. According to MarketBeat.com, the company currently has a consensus rating of “Moderate Buy” and a consensus target price of $32.41.

Chime Financial Price Performance

The stock has a market cap of $7.98 billion and a price-to-earnings ratio of -2.82. The stock’s 50-day moving average is $24.43 and its 200-day moving average is $23.11.

Chime Financial (NASDAQ:CHYM) last issued its quarterly earnings results on Wednesday, February 25th. The company reported ($0.12) earnings per share for the quarter, beating the consensus estimate of ($0.20) by $0.08. The company had revenue of $596.36 million during the quarter. Chime Financial had a negative return on equity of 70.35% and a negative net margin of 46.18%.The company’s revenue was up 25.5% on a year-over-year basis. During the same quarter last year, the firm posted ($0.30) earnings per share.

Insider Activity at Chime Financial

In other Chime Financial news, Director James Feuille sold 176,168 shares of the stock in a transaction that occurred on Thursday, December 11th. The shares were sold at an average price of $27.12, for a total transaction of $4,777,676.16. Following the transaction, the director owned 7,044,936 shares of the company’s stock, valued at $191,058,664.32. This trade represents a 2.44% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, CEO Christopher R. Britt sold 50,000 shares of the company’s stock in a transaction on Friday, January 9th. The stock was sold at an average price of $28.06, for a total value of $1,403,000.00. Additional details regarding this sale are available in the official SEC disclosure. Over the last three months, insiders sold 256,539 shares of company stock worth $6,973,943.

Institutional Trading of Chime Financial

A number of institutional investors have recently added to or reduced their stakes in the business. PNC Financial Services Group Inc. acquired a new position in shares of Chime Financial in the fourth quarter worth about $25,000. EverSource Wealth Advisors LLC purchased a new stake in Chime Financial during the 2nd quarter worth approximately $33,000. Scopus Asset Management L.P. purchased a new stake in Chime Financial during the 2nd quarter worth approximately $34,000. Caitong International Asset Management Co. Ltd raised its position in shares of Chime Financial by 686.0% in the 4th quarter. Caitong International Asset Management Co. Ltd now owns 1,462 shares of the company’s stock valued at $37,000 after purchasing an additional 1,276 shares in the last quarter. Finally, Daiwa Securities Group Inc. purchased a new position in shares of Chime Financial during the 2nd quarter valued at approximately $40,000.

Chime Financial Company Profile

Chime Financial is a U.S.-based financial technology company offering mobile-first banking services designed to reduce fees and simplify everyday transactions. Founded in 2013 and headquartered in San Francisco, Chime operates a digital bank platform that provides customers with a checking account, a savings account, and a debit card without monthly maintenance fees, overdraft charges, or foreign transaction fees. The company’s platform is accessible via its mobile app, enabling users to manage their finances, track spending, and access customer support from their smartphones.

At the core of Chime’s service offering is its fee-free spending account, which includes early access to direct deposit funds—up to two days before scheduled payday—and instant transaction alerts.