Chime Financial (NASDAQ:CHYM) Upgraded to “Strong-Buy” at Keefe, Bruyette & Woods

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.

Other equities research analysts also recently issued reports about the stock. Canaccord Genuity Group reissued a “buy” rating and set a $40.00 price target on shares of Chime Financial in a research note on Thursday, October 30th. Wall Street Zen raised shares of Chime Financial from a “sell” rating to a “hold” rating in a research note on Sunday, February 15th. Piper Sandler lowered their target price on shares of Chime Financial from $35.00 to $30.00 and set an “overweight” rating for the company in a report on Thursday, November 6th. Jefferies Financial Group assumed coverage on Chime Financial in a research note on Monday, November 3rd. They issued a “hold” rating and a $17.00 price target on the stock. Finally, UBS Group raised their price target on Chime Financial from $24.00 to $27.00 and gave the stock a “neutral” rating in a research report on Thursday. Two research analysts have rated the stock with a Strong Buy rating, ten have assigned a Buy rating, five have assigned a Hold rating and one has assigned a Sell rating to the company. According to data from MarketBeat.com, Chime Financial presently has a consensus rating of “Moderate Buy” and an average price target of $32.41.

Chime Financial Stock Down 7.7%

Shares of CHYM opened at $22.13 on Thursday. The stock’s fifty day simple moving average is $24.36 and its 200-day simple moving average is $23.05. The firm has a market capitalization of $8.29 billion and a PE ratio of -2.93. Chime Financial has a 12-month low of $16.17 and a 12-month high of $44.94.

Chime Financial (NASDAQ:CHYM) last announced its quarterly earnings data on Wednesday, February 25th. The company reported ($0.12) earnings per share for the quarter, topping the consensus estimate 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 firm had revenue of $596.36 million during the quarter. During the same period in the prior year, the firm posted ($0.30) earnings per share. The business’s revenue for the quarter was up 25.5% compared to the same quarter last year.

Insider Activity

In other news, CEO Christopher R. Britt sold 50,000 shares of Chime Financial stock in a transaction on Friday, January 9th. The shares were sold at an average price of $28.06, for a total transaction of $1,403,000.00. The sale was disclosed in a legal filing with the SEC, which is available through this link. Also, CFO Matthew S. Newcomb sold 10,000 shares of the business’s stock in a transaction on 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 transaction, the chief financial officer directly owned 2,240,798 shares of the company’s stock, valued at $62,764,751.98. This trade represents a 0.44% 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 worth $6,973,943 over the last three months.

Institutional Trading of Chime Financial

Several hedge funds have recently added to or reduced their stakes in the business. EverSource Wealth Advisors LLC acquired a new position in Chime Financial in the second quarter valued at about $33,000. Scopus Asset Management L.P. acquired a new stake in shares of Chime Financial during the second quarter worth about $34,000. PNC Financial Services Group Inc. bought a new position in shares of Chime Financial during the 4th quarter valued at about $25,000. Daiwa Securities Group Inc. bought a new position in shares of Chime Financial during the 2nd quarter valued at about $40,000. Finally, Osaic Holdings Inc. acquired a new position in shares of Chime Financial in the 2nd quarter valued at approximately $45,000.

More Chime Financial News

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.