Chime Financial Inc (CHYM)
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
$30.18+1.04%
Close 2026-11-05 · 1-day change
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
QuarterlyIQ Insights · CHYM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 71.8% |
| Our one-year growth estimate | diamond | 31.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 352 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 39.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 60 industry peers · Company calendar date is not available
CHYM — CFO transition
Dated 2026-08-05
Chief Financial Officer — Matthew Newcomb: Mr. Newcomb is stepping down as CFO with an orderly transition plan in place.
Why it matters: The deal needs federal approval and is set to close in the first half of 2027. Closing would give Chime direct control of its bank partner.
Supportive ifChime reports OCC and Federal Reserve approval, then closes the Stride Bank deal by June 30, 2027.
Worry ifA regulator denies the deal, adds a major condition, or Chime reports a delay past June 30, 2027.
Why it matters: Chime says the bank deal can cut partner fees and funding costs. Reported savings will test that claim.
Supportive ifAfter closing, Chime reports a run rate of at least $100 million in net savings from the deal.
Worry ifAfter closing, Chime reports less than $100 million in net savings or says savings are delayed.
Why it matters: Chime has an interim CFO while it searches for a permanent leader. An appointment would end that open leadership transition.
Supportive ifChime names a permanent CFO in a company filing or press release.
Worry ifChime reports that Mark Troughton remains interim CFO, or that the search is still open, at the next quarterly results.
Why it matters: Chime Prime helped lift member growth, card use, and revenue per member in Q2. The next results will show if that lift lasts.
Supportive ifActive Member growth stays at or above 20% year over year, and purchase volume growth stays at or above 17%.
Worry ifActive Member growth falls below 20% year over year or purchase volume growth falls below 17%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$181 on $10,000 · ±1.8% | How much price usually moves either way. |
| Bad day | $573 loss on $10,000 · 5.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,114 loss on $10,000 · 41.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.