Chime Financial (NASDAQ:CHYM) Upgraded at Keefe, Bruyette & Woods

Keefe, Bruyette & Woods upgraded shares of Chime Financial (NASDAQ:CHYM) from a moderate buy rating to a strong-buy rating in a research note published on Thursday morning,Zacks.com reports.

A number of other research firms also recently issued reports on CHYM. B. Riley Financial initiated coverage on Chime Financial in a report on Thursday, December 11th. They issued a “buy” rating and a $35.00 price objective for the company. Canaccord Genuity Group reissued a “buy” rating and set a $40.00 price objective on shares of Chime Financial in a research note on Thursday, October 30th. Rothschild & Co Redburn upgraded shares of Chime Financial to a “hold” rating in a report on Monday, January 26th. UBS Group raised their target price on shares of Chime Financial from $24.00 to $27.00 and gave the company a “neutral” rating in a research note on Thursday. Finally, JPMorgan Chase & Co. lowered their target price on shares of Chime Financial from $40.00 to $34.00 and set an “overweight” rating for the company in a report on Thursday, November 6th. Two analysts have rated the stock with a Strong Buy rating, ten have issued a Buy rating, five have assigned a Hold rating and one has issued a Sell rating to the company. According to MarketBeat, the company has an average rating of “Moderate Buy” and an average price target of $32.41.

Chime Financial Trading Down 7.7%

Shares of CHYM opened at $22.13 on Thursday. Chime Financial has a 1-year low of $16.17 and a 1-year high of $44.94. The firm’s 50-day moving average price is $24.36 and its 200-day moving average price is $23.01. The firm has a market capitalization of $8.29 billion and a price-to-earnings ratio of -2.93.

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

Insider Activity

In related news, Director James Feuille sold 7,229 shares of the business’s stock in a transaction that occurred on Tuesday, December 16th. The shares were sold at an average price of $24.82, for a total value of $179,423.78. Following the completion of the transaction, the director directly owned 7,037,707 shares in the company, valued at $174,675,887.74. The trade was a 0.10% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, CEO Christopher R. Britt sold 50,000 shares of Chime Financial 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. The SEC filing for this sale provides additional information. Insiders sold 256,539 shares of company stock worth $6,973,943 over the last three months.

Hedge Funds Weigh In On Chime Financial

Several institutional investors have recently made changes to their positions in CHYM. EverSource Wealth Advisors LLC bought a new position in shares of Chime Financial in the second quarter worth about $33,000. Scopus Asset Management L.P. bought a new position in Chime Financial in the 2nd quarter worth approximately $34,000. PNC Financial Services Group Inc. purchased a new stake in Chime Financial during the 4th quarter valued at approximately $25,000. Daiwa Securities Group Inc. purchased a new stake in Chime Financial during the 2nd quarter valued at approximately $40,000. Finally, Caitong International Asset Management Co. Ltd raised its position 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 buying an additional 1,276 shares during the last quarter.

Trending Headlines about Chime Financial

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.

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.