Chime Financial (NASDAQ:CHYM) Shares Gap Up on Better-Than-Expected Earnings

Chime Financial, Inc. (NASDAQ:CHYM)’s stock price gapped up prior to trading on Thursday following a better than expected earnings announcement. The stock had previously closed at $21.11, but opened at $22.75. Chime Financial shares last traded at $24.38, with a volume of 1,844,678 shares.

The company reported ($0.12) earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of ($0.20) by $0.08. Chime Financial had a negative return on equity of 70.35% and a negative net margin of 46.18%.The business had revenue of $596.36 million for the quarter. During the same period in the previous year, the firm posted ($0.30) earnings per share. The firm’s revenue was up 25.5% compared to the same quarter last year.

Chime Financial News Summary

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

• Positive Sentiment: Q4 beat — Chime reported EPS of ($0.12) versus a consensus of ($0.20) and revenue of $596.4M, with revenue up ~25.5% year‑over‑year; the beat helped lift investor sentiment. Earnings Release & Call
• Positive Sentiment: Guidance above estimates — Chime issued FY‑2026 revenue guidance of roughly $2.6B–$2.7B and Q1 revenue guidance of ~$627M–$637M, both slightly ahead of consensus, supporting upside to near‑term growth expectations. Reuters: Guidance Story
• Positive Sentiment: User growth & engagement — Chime said active members reached ~9.5M and highlighted higher card spend and increased use of the platform as customers’ primary financial relationship, which supports revenue mix and monetization prospects. PYMNTS: Active Members
• Positive Sentiment: Analyst lift — UBS raised its price target from $24 to $27 (neutral rating), signaling modest analyst confidence in upside to the stock based on the results/guidance. Benzinga: UBS PT
• Neutral Sentiment: Management commentary & coverage — CEO interviews (Bloomberg Tech) and the earnings call presentation reinforced demand themes; useful for investor color but not new financial proof. YouTube: Bloomberg Tech Interview
• Neutral Sentiment: Documentation available — Full earnings call transcript, slide deck and analyst write‑ups (Seeking Alpha, Zacks) provide detail for modeling and due diligence. Seeking Alpha: Transcript Zacks: Metrics
• Negative Sentiment: Profitability remains a concern — Chime still shows negative net margin (~‑46%) and negative return on equity; investors should weigh growth against continued losses and cash burn risks. MarketBeat: Financials
• Neutral Sentiment: Short interest data flagged in reporting appears inconsistent (zeros/NaN) and should be treated as unreliable until cleaned — not currently a clear catalyst.

Wall Street Analysts Forecast Growth

Several equities analysts have recently commented on CHYM shares. Wall Street Zen upgraded Chime Financial from a “sell” rating to a “hold” rating in a research note on Sunday, February 15th. Williams Trading set a $17.00 price objective on shares of Chime Financial in a research note on Monday, November 3rd. The Goldman Sachs Group raised their price objective on shares of Chime Financial from $27.00 to $30.00 and gave the stock a “buy” rating in a report on Tuesday, January 6th. Jefferies Financial Group began coverage on shares of Chime Financial in a research note on Monday, November 3rd. They issued a “hold” rating and a $17.00 target price on the stock. Finally, B. Riley Financial assumed coverage on shares of Chime Financial in a research report on Thursday, December 11th. They set a “buy” rating and a $35.00 price target on the stock. One analyst has rated the stock with a Strong Buy rating, eleven have assigned a Buy rating, five have assigned a Hold rating and one has issued a Sell rating to the company. According to MarketBeat.com, Chime Financial currently has a consensus rating of “Moderate Buy” and an average target price of $32.41.

Insider Buying and Selling at Chime Financial

In related news, CFO Matthew S. Newcomb sold 10,000 shares of the business’s stock in a transaction dated Friday, January 9th. The shares were sold at an average price of $28.01, for a total transaction of $280,100.00. Following the completion of the sale, the chief financial officer owned 2,240,798 shares of the company’s stock, valued at $62,764,751.98. This represents a 0.44% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Also, CEO Christopher R. Britt sold 50,000 shares of the stock in a transaction dated Friday, January 9th. The stock was sold at an average price of $28.06, for a total transaction of $1,403,000.00. The disclosure for this sale is available in the SEC filing. Insiders have sold 256,539 shares of company stock worth $6,973,943 in the last ninety days.

Hedge Funds Weigh In On Chime Financial

Several institutional investors have recently made changes to their positions in CHYM. PNC Financial Services Group Inc. bought a new stake in shares of Chime Financial in the 4th quarter worth approximately $25,000. EverSource Wealth Advisors LLC bought a new stake in Chime Financial in the second quarter valued at $33,000. Scopus Asset Management L.P. bought a new stake in Chime Financial in the second quarter valued at $34,000. Caitong International Asset Management Co. Ltd boosted its holdings in shares of Chime Financial by 686.0% during the fourth quarter. Caitong International Asset Management Co. Ltd now owns 1,462 shares of the company’s stock valued at $37,000 after acquiring an additional 1,276 shares during the period. Finally, Daiwa Securities Group Inc. bought a new position in shares of Chime Financial during the second quarter worth about $40,000.

Chime Financial Stock Up 13.5%

The firm’s 50-day moving average price is $24.43 and its 200 day moving average price is $23.11. The firm has a market cap of $8.98 billion and a P/E ratio of -3.17.

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.