Chime Financial Inc. Class A Common Stock (CHYM)

FairStock Score: 37/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look first for a business that earns durable profits and does not need constant financing. Chime's filed record is mixed. Revenue rose from $1.3B in fiscal year 2023 to $1.7B in fiscal year 2024 to $2.2B in fiscal year 2025, yet it lost $203.2M, $25.3M, and $1.0B in those years. The turn is visible: in fiscal Q1 2026, the quarter ended 2026-03-31, it earned $53.5M on $647.4M revenue, and in fiscal Q2 2026, the quarter ended 2026-06-30, it earned $27.9M on $669.8M revenue, a 4.16% margin. That is progress, but two quarters do not prove a durable moat. FairStock's trailing free cash flow is $308.9M, a 2.8% FCF yield, with low debt-to-equity of 0.13, an Altman Z of 10.70, and a Piotroski score of 6/9—reasonable financial health. However, ROE is -1.28%, and FairStock's Lynch category is none because the company lost money in each of the last three years. At $28.55 on 2026-10-26, the FairStock P/E is 5.32 and PEG 0.02, but P/B is 7.70 and the Graham Number is $21.17, implying a negative 39.68% margin of safety. I cannot treat a company with a short profit history and a high price-to-book as a classic Graham bargain. The revenue trajectory is attractive; the key is whether recent profits persist and widen. Until then, I would call it a promising but unproven business, not a margin-of-safety opportunity.

In plain English: Chime is a financial technology company that offers digital banking and payment products. It has grown revenue and reported profits in the latest two quarters, but it lost money in fiscal 2023, 2024, and 2025, so the business looks improving but still unproven. At the 2026-10-26 close, the stock price looks high relative to a conservative accounting value estimate, so it does not look clearly cheap.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer