Chime Financial Inc
NASDAQ:CHYM
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Chime Financial Inc
NASDAQ:CHYM
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Intrinsic Value
The intrinsic value of Chime Financial Inc (CHYM) under the Base Case is 17.78 USD per share. Compared with the current market price of 29.74 USD, the stock appears Overvalued by 40% .
The intrinsic value is calculated using the DCF method. Net margin recovers from -46% last year to 17% by 2031. Revenue grows about 19% a year over the next five years.
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Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Chime Financial Does
Chime Financial is a consumer financial technology company built around a mobile banking app. It offers checking and savings accounts through partner banks, a debit card, early direct deposit, bill-pay tools, and small credit products such as credit builder features. Its main customers are everyday consumers, especially people who want a simpler alternative to a traditional bank branch experience.
- Headquarters
- United States of America US
- Employees
- 1 519
- IPO date
- Jun 12, 2025
Earnings Waterfall
Chime Financial Inc
The intrinsic value for Chime Financial Inc (CHYM) under the Base Case is 17.78 USD.
Compared with the current market price of 29.74 USD, the stock appears Overvalued by 40% .