Keefe, Bruyette & Woods Upgrades Chime Financial (NASDAQ:CHYM) to Strong-Buy

Chime Financial (NASDAQ:CHYM) was upgraded by stock analysts at Keefe, Bruyette & Woods from a “moderate buy” rating to a “strong-buy” rating in a research note issued to investors on Thursday,Zacks.com reports.

Several other research analysts have also weighed in on the stock. Jefferies Financial Group assumed coverage on shares of Chime Financial in a research note on Monday, November 3rd. They issued a “hold” rating and a $17.00 price objective on the stock. Rothschild & Co Redburn upgraded Chime Financial to a “hold” rating in a report on Monday, January 26th. JPMorgan Chase & Co. dropped their price objective on Chime Financial from $40.00 to $34.00 and set an “overweight” rating on the stock in a research note on Thursday, November 6th. Williams Trading set a $17.00 target price on shares of Chime Financial in a research report on Monday, November 3rd. Finally, UBS Group upped their price objective on shares of Chime Financial from $24.00 to $27.00 and gave the company a “neutral” rating in a research report on Thursday. Two analysts have rated the stock with a Strong Buy rating, ten have given a Buy rating, five have given a Hold rating and one has issued a Sell rating to the stock. Based on data from MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and a consensus target price of $32.41.

Chime Financial Stock Performance

Shares of NASDAQ:CHYM opened at $22.13 on Thursday. The firm has a 50 day simple moving average of $24.36 and a 200 day simple moving average of $23.05. Chime Financial has a 52 week low of $16.17 and a 52 week high of $44.94. The company has a market cap of $8.29 billion and a PE ratio of -2.93.

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

Insider Buying and Selling

In other news, CEO Christopher R. Britt sold 50,000 shares of the stock in a transaction that occurred on Friday, January 9th. The stock was sold at an average price of $28.06, for a total value of $1,403,000.00. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. Also, General Counsel Adam B. Frankel sold 4,382 shares of the business’s stock in a transaction on Thursday, January 8th. The shares were sold at an average price of $27.29, for a total value of $119,584.78. Following the completion of the sale, the general counsel directly owned 209,500 shares in the company, valued at approximately $5,717,255. This represents a 2.05% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold a total of 256,539 shares of company stock valued at $6,973,943 over the last ninety days.

Institutional Inflows and Outflows

A number of institutional investors have recently modified their holdings of CHYM. Galileo PTC Ltd acquired a new stake in Chime Financial during the 2nd quarter valued at $1,803,793,000. ICONIQ Capital LLC acquired a new position in Chime Financial during the 2nd quarter worth about $518,844,000. Aspect Management LLC bought a new stake in Chime Financial during the 4th quarter worth about $300,361,000. Dragoneer Investment Group LLC bought a new stake in Chime Financial during the 2nd quarter worth about $295,022,000. Finally, Ashton Thomas Private Wealth LLC acquired a new stake in Chime Financial in the 4th quarter valued at about $129,091,000.

Chime Financial News Roundup

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

• Positive Sentiment: Q4 results beat expectations — Chime reported adjusted results that topped EPS and revenue consensus, with revenue up ~25.5% y/y, and management highlighted stronger card spending and higher engagement that supported margin expansion. Chime Q4 Earnings Highlights
• Positive Sentiment: Guidance raised/firm for 2026 — Chime issued FY2026 revenue guidance roughly $2.6–$2.7B and Q1 revenue guidance slightly above consensus (~$627–$637M), signaling continued top-line momentum and supporting upside to estimates. (Company release summarized in news coverage.)
• Positive Sentiment: User growth and product traction — Active members reached ~9.5M and management emphasized customers increasingly treat Chime as their primary financial relationship, helping cross-sell (including earned wage access) and supporting revenue leverage. PYMNTS: Active Members 9.5M
• Positive Sentiment: Analysts respond with higher targets and reiterations — Goldman Sachs reiterated a Buy and raised its path-based upside commentary with a $31 PT, citing expanding margins and new growth drivers; UBS raised its price target to $27 (neutral rating) — both moves lend credibility to the post-earnings upside case. TipRanks/Goldman Benzinga (UBS note)
• Neutral Sentiment: Media coverage and analyst write-ups explained the beat/guidance (MSN, AAII, Zacks) and provided deeper metric comparisons; these help investors interpret sustainability but are informational rather than catalytic. MSN: 2026 revenue outlook Zacks analysis
• Neutral Sentiment: Primary-source materials available — Earnings call transcript and presentation give the full management narrative and KPIs for investors doing deeper diligence. Seeking Alpha transcript Earnings Presentation
• Neutral Sentiment: Executive interviews and color — CEO interviews (e.g., Bloomberg Tech clip) reinforced user-demographic and product narratives but added no new financials. Bloomberg interview
• Neutral Sentiment: Short interest reporting appears inconsistent — recent short-interest data in summaries showed large variance/odd values (zeros/NaN); this reporting anomaly means short-squeeze risk is unclear from available public figures.

About Chime Financial

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.