Metric Deep Dive: Understanding Chime Financial Inc (CHYM) Through its Ratios

Kiel Thompson

Investors seeking to outperform the market often focus on hand-picking stocks. Selecting the right ones has proven to be a key factor in boosting wealth.

After finishing at $17.05 in the prior trading day, Chime Financial Inc (NASDAQ: CHYM) closed at $17.17, up 0.70%. In other words, the price has increased by $0.70 from its previous closing price. On the day, 3.62 million shares were traded. CHYM stock price reached its highest trading level at $17.4 during the session, while it also had its lowest trading level at $16.74.

Ratios:

Our goal is to gain a better understanding of CHYM by taking a closer look at its different ratios. For the most recent quarter (mrq), Quick Ratio is recorded 4.83 and its Current Ratio is at 4.83. In the meantime, Its Debt-to-Equity ratio is 0.06 whereas as Long-Term Debt/Eq ratio is at 0.05.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of . The stock’s future direction. In the most recent recommendation for this company, Arete on September 30, 2025, initiated with a Buy rating and assigned the stock a target price of $34.

On July 08, 2025, Keefe Bruyette started tracking the stock assigning a Outperform rating and target price of $42.Keefe Bruyette initiated its Outperform rating on July 08, 2025, with a $42 target price.

Insider Transactions:

The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Jun 13 ’25 when Marshall Cynthia bought 1,500 shares for $27.00 per share. The transaction valued at 40,500 led to the insider holds 65,167 shares of the business.

Marshall Cynthia bought 750 shares of CHYM for $20,250 on Jun 13 ’25. The Director now owns 375 shares after completing the transaction at $27.00 per share.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, CHYM now has a Market Capitalization of 6382278656 and an Enterprise Value of 5262675456. For the stock, the TTM Price-to-Sale (P/S) ratio is 3.36 while its Price-to-Book (P/B) ratio in mrq is 4.46. Its current Enterprise Value per Revenue stands at 2.707 whereas that against EBITDA is -8.612.

Stock Price History:

Over the past 52 weeks, CHYM has reached a high of $44.94, while it has fallen to a 52-week low of $17.00. The 50-Day Moving Average of the stock is -21.37%, while the 200-Day Moving Average is calculated to be -35.96%.

Shares Statistics:

The stock has traded on average 2.75M shares per day over the past 3-months and 2619060 shares per day over the last 10 days, according to various share statistics. A total of 338.59M shares are outstanding, with a floating share count of 184.58M. Insiders hold about 50.34% of the company’s shares, while institutions hold 27.14% stake in the company. Shares short for CHYM as of 1760486400 were 8986829 with a Short Ratio of 3.27, compared to 1757894400 on 8400712. Therefore, it implies a Short% of Shares Outstanding of 8986829 and a Short% of Float of 3.27.

Earnings Estimates

Chime Financial Inc (CHYM) is currently under the scrutiny of 4 analysts, each contributing to the ongoing evaluation of its stock.The consensus estimate for the next quarter is -$0.16, with high estimates of -$0.14 and low estimates of -$0.2.

Analysts are recommending an EPS of between -$3.46 and -$4.64 for the fiscal current year, implying an average EPS of -$4.24. EPS for the following year is -$0.28, with 2.0 analysts recommending between -$0.24 and -$0.33.

Revenue Estimates

For the next quarter, 11 analysts are estimating revenue of $569.5M. There is a high estimate of $573.49M for the next quarter, whereas the lowest estimate is $566.2M.

Based on 14 analysts’ estimates, the company’s revenue will be $2.61B in the next fiscal year. The high estimate is $2.86B and the low estimate is $2.53B.

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