Nama's AI scorecard currently rates Chime Financial Buy (6.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is CHYM's P/E ratio?

Chime Financial trades at a trailing price-to-earnings ratio of 164.9.

When does CHYM report earnings?

Chime Financial's next scheduled report is on Feb 24, 2027. Analysts expect EPS of $0.20.

What is the CHYM price target?

The median analyst price target from 22 analysts is $40.00, with a range of $31.00 – $50.00.

Is CHYM Shariah compliant?

Nama's AAOIFI-style screen reads Chime Financial as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.

Nama Insights

Chime Financial (CHYM)

Technology · Software Application · NASDAQ

Chime Financial (CHYM) is a Technology company in the Software Application industry. It has a market capitalization of $12.01B, a trailing price-to-earnings ratio of 164.9 and a free-cash-flow yield of 0.3%. Over the most recent reported fiscal year, revenue grew 30.7% and free cash flow per share fell 25.3%. Nama's AI scorecard rates it Buy, 6.9 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 6.9/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Rising · +54.4% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Shariah Compliant

Passes our debt, cash and income screen; not a scholar's ruling.

Off its high

-30.3%

How far the last close sits under the highest price of the past five years.

Market cap	$12.01B
Trailing P/E	164.9
Price / book	8.4
Price / sales	4.8
FCF yield	0.3%
Dividend yield	—
Gross margin	88.7%
Operating margin	-2.1%
Net margin	-0.7%
Revenue growth (YoY)	+30.7%
Revenue growth (3-yr annual)	+29.4%
EPS growth (YoY)	—
FCF/share growth (YoY)	-25.3%
Beta	—
Exchange	NASDAQ
Sector	Technology
Industry	Software Application

CHYM earnings

Next report: Feb 24, 2027 (Q4 2026, EPS estimate $0.20). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Nov 4, 2026	$0.11	$0.10	+10.0%	—
Q2 2026	Aug 5, 2026	$0.07	$0.02	+250.0%	$669.77M
Q1 2026	May 6, 2026	$0.13	$0.03	+333.3%	$647.39M
Q4 2025	Feb 25, 2026	-$0.12	-$0.18	+33.3%	$596.36M

CHYM analyst price target

Median target $40.00 from 22 analysts, ranging $31.00 – $50.00.

Software Application peers

Ticker	Company	Market cap	P/E
SAP	SAP	$269.45B	29.7
SHOP	Shopify	$191.58B	85.1
CRM	Salesforce	$175.83B	12.7
UBER	Uber Technologies	$140.05B	40.6
ADP	Automatic Data Processing	$119.75B	26.5
NOW	ServiceNow	$105.84B	26.9
SNOW	Snowflake	$97.33B	195.7
ADBE	Adobe	$93.14B	10.1

Explore live CHYM data on Nama Insights →

CHYM FAQ

Is CHYM a buy?: Nama's AI scorecard currently rates Chime Financial Buy (6.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is CHYM's P/E ratio?: Chime Financial trades at a trailing price-to-earnings ratio of 164.9.
When does CHYM report earnings?: Chime Financial's next scheduled report is on Feb 24, 2027. Analysts expect EPS of $0.20.
What is the CHYM price target?: The median analyst price target from 22 analysts is $40.00, with a range of $31.00 – $50.00.
Is CHYM Shariah compliant?: Nama's AAOIFI-style screen reads Chime Financial as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.