Feed / CHYM

Chime Financial, Inc.

CHYM

Technology · 27.93 +1.1% today

Partial group confirmationMarket checked 7 Oct, 15:55 GMT-4

Market read

Chime Financial, Inc.'s move is being confirmed by its market group.

CHYM accounts for 3.8% of the group's measured movement across 10.0 effective names. raw member direction is mixed; 10 of 12 SPY-adjusted paths align to the upside. Capital-flow agreement is 17%, so confirmation is not yet clean. No verified headline preceded the measured group move.

MOVE ANATOMY

Is this move genuinely shared?

SPY-adjusted 5m paths
Role in the moveAligned contributor#10 of 12 by movement share
Group movement share3.8%Absolute path energy—not portfolio weight
Relative path+0.29%aligned
Effective breadth10.0 / 12broad
Relative alignment10/12upside path · 2 counter-moving
Capital-flow agreement17%not yet clean
SEQUENCE READ

No material onset for CHYM could be timestamped inside the aligned 5-minute window.

What changed
  • Revenue increased 26.8% versus the comparable filing period.
  • Cash declined 332.2M versus the comparable period.
EVIDENCE COVERAGE

8 of 23 members in Real Estate Services are active. 0 of 8 disclosed connections are confirming.

What would change this read
  • At least 15 of 23 durable members become active together.
  • Capital-flow agreement rises above 55%.
  • A filing-linked outsider such as TPR begins moving with the group.

Invalidation: The live read weakens if participation falls to 8 of 23 members or fewer.

Watch this read

Research brief

The story so far

Technology · Software - Application

CHYM accounts for 3.8% of the group's measured movement across 10.0 effective names. raw member direction is mixed; 10 of 12 SPY-adjusted paths align to the upside. Capital-flow agreement is 17%, so confirmation is not yet clean. No verified headline preceded the measured group move.

Evidence that supports
  • Revenue increased 26.8% versus the comparable filing period.
  • Operating income moved from a loss to a profit in the comparable period.
Evidence that challenges
  • Cash declined 332.2M versus the comparable period.
What would clarify the read
  • At least 15 of 23 durable members become active together.
  • Capital-flow agreement rises above 55%.
  • A filing-linked outsider such as TPR begins moving with the group.

Company research

Understand the business, not just the ticker

As of Oct 23, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods3
Price observations332
Usable filing statements155
Verified relationships12
Evidence supporting the case
  • Latest annual revenue changed +30.7% year over year.
Evidence challenging the case
  • Operating margin changed -43.8 percentage points in the latest annual period.
  • Net margin changed -44.7 percentage points in the latest annual period.
Questions before a position

No credible peer-relative valuation comparison is available yet.

Longer-term price context

Price as of Oct 7, 2026

27.93
6m+38.0%12m+32.7%24m—
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2023-12-31$1.3B—$-3.22—
2024-12-31$1.7B+30.9%$-0.39+2.9%
2025-12-31$2.2B+30.7%$-4.27—

What management says matters

Persistent and emerging business drivers

Legal and regulatory exposurepositive · 2 filings
“We expect to incur additional general and administrative expenses as a result of operating as a public company, including expenses related to compliance with the rules and regulations of the SEC and the Nasdaq listing standards, additional corporate and direc…”
10-Q · Aug 11, 2025 ↗
Credit and interest ratesmixed · 1 filings
“Cash Flows from Financing Activities For the six months ended June 30, 2026, cash used in financing activities was $160.0 million, primarily due to $222.1 million from repurchases of common stock, partially offset by $50.0 million in proceeds from borrowings…”
10-Q · Aug 6, 2026 ↗

Valuation discipline

Descriptive valuation snapshot

Price/sales 3.0× · EV/sales 2.8×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Fewer than 4 annual revenue periods; too little history to scaffold scenarios.

Price action

How the market is pricing the story

27.93+1.1% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 7 Oct, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for CHYM. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Latest filing assessment

The latest filing presents a mixed picture

10-Q filed 2026-08-06 against the comparable filing from 2025-08-11.

mixed
OperationsconstructiveEvidence score +4
liquiditycautiousEvidence score -1
valuationdiscount

Capital and cash conversion

Reported investment and cash context

Capital spending YoY
+356.1%
Capital spending / revenue
+1.3%
Free-cash-flow margin
+21.1%
FCF margin change
+21.2 pts

Capex, revenue, and operating cash flow are matched to the same reported duration. Reported accounting context, not a forecast or trading recommendation.

What improved

  • Revenue increased 26.8% versus the comparable filing period.
  • Operating income moved from a loss to a profit in the comparable period.

What weakened

  • Cash declined 332.2M versus the comparable period.

Filing receipts

“three and six months ended June 30, 2026 and 2025 Revenue Three Months Ended June 30, Change Change Six Months Ended June 30, Change Change (in thousands, except percentages) 2026 2025 ($) % 2026 2025 ($) % Payments revenue $ 430,029 $ 366,101 $ 63,928 17 % $ 862,673 $ 741,413 $ 121,260 16 % Platform-related revenue 239,739 162,048 77,691 48 % 454,482 305,480 149,002 49 % Total revenue $ 669,768 $ 528,149 $ 141,619 27 % $ 1,317,155 $ 1,046,893 $ 270,262 26 % Total revenue for the three and six months ended June 30, 2026 increased by $141.6 million or 27% and $270.3 million, or 26%, year over year, primarily driven by the growth of our total Active Members and the associated increase in Purc...”

“Cash provided by investing activities was $79.1 million for the six months ended June 30, 2025, primarily due to $2,311.6 million in repayments of loans held for investment, $256.5 million from sales of marketable securities and $123.2 million in proceeds from maturities of marketable securities, offset by $2,368.2 million in purchases of loans held for investment and $234.1 million in purchases of marketable securities.”

“Additionally, settlements related to our product obligation were cash inflows of $39.2 million in the six months ended June 30, 2026, compared to cash outflows of $19.0 million in the six months ended June 30, 2025, primarily due to the growth of MyPay and Instant Loans revenue and the improved unit economics of MyPay compared to the prior year.”

Historical filing backfill generated after the original filing window. It is not part of Jodie's live track record.

Business ecosystem

The relationships behind CHYM

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Depends on

LRNStride, Inc.partnerMay 7, 2026 ▾

“10 For additional information about the risks to our business related to competition, see the section titled “Risk Factors—Risks Related to Our Business—We face substantial and intense competition in our industry which may adversely affect our business, finan…”

TBBKThe Bancorp, Inc.partnerMay 7, 2026 ▾

“10 For additional information about the risks to our business related to competition, see the section titled “Risk Factors—Risks Related to Our Business—We face substantial and intense competition in our industry which may adversely affect our business, finan…”

AFRMAffirm Holdings, Inc.competitorMar 6, 2026 ▾

“We also face competition from financial technology companies that offer or facilitate bank accounts, payments, and liquidity services, including Affirm, Klarna, and PayPal, and offerings such as Cash App.”

Filing peers

Companies whose filings use similar operating language.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks 8 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

CHYM is currently a Participant in the organic co-movement group Real Estate Services. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.