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

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

Key Headlines Impacting Chime Financial

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

Analysts Set New Price Targets

A number of research firms recently commented on CHYM. UBS Group lifted their price target on Chime Financial from $24.00 to $27.00 and gave the stock a “neutral” rating in a research note on Thursday. Canaccord Genuity Group reaffirmed a “buy” rating and set a $40.00 target price on shares of Chime Financial in a report on Thursday, October 30th. Rothschild & Co Redburn upgraded Chime Financial to a “hold” rating in a report on Monday, January 26th. Jefferies Financial Group began coverage on shares of Chime Financial in a report on Monday, November 3rd. They issued a “hold” rating and a $17.00 price objective for the company. Finally, Wall Street Zen upgraded shares of Chime Financial from a “sell” rating to a “hold” rating in a research report on Sunday, February 15th. One investment 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 assigned a Sell rating to the stock. According to MarketBeat, the stock has an average rating of “Moderate Buy” and a consensus price target of $32.41.

Chime Financial Price Performance

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

Chime Financial (NASDAQ:CHYM) last posted its earnings results on Wednesday, February 25th. The company reported ($0.12) EPS for the quarter, topping the consensus estimate of ($0.20) by $0.08. The firm 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%. Chime Financial’s revenue for the quarter was up 25.5% on a year-over-year basis. During the same quarter last year, the company posted ($0.30) EPS.

Insiders Place Their Bets

In other Chime Financial news, CFO Matthew S. Newcomb sold 10,000 shares of Chime Financial stock in a transaction on Friday, January 9th. The stock was sold at an average price of $28.01, for a total transaction of $280,100.00. Following the sale, the chief financial officer owned 2,240,798 shares of the company’s stock, valued at $62,764,751.98. The trade was a 0.44% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, CEO Christopher R. Britt sold 50,000 shares of the business’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. The disclosure for this sale is available in the SEC filing. Insiders have sold 256,539 shares of company stock valued at $6,973,943 in the last quarter.

Hedge Funds Weigh In On Chime Financial

Several hedge funds have recently made changes to their positions in CHYM. EverSource Wealth Advisors LLC acquired a new position in Chime Financial in the second quarter worth approximately $33,000. Scopus Asset Management L.P. acquired a new stake in shares of Chime Financial during the 2nd quarter valued at $34,000. PNC Financial Services Group Inc. bought a new stake in shares of Chime Financial during the 4th quarter worth $25,000. Daiwa Securities Group Inc. bought a new stake in shares of Chime Financial during the 2nd quarter worth $40,000. Finally, Caitong International Asset Management Co. Ltd grew its holdings 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 worth $37,000 after acquiring an additional 1,276 shares during the last quarter.

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.