Chime Financial Stock: A Deep Dive Into Analyst Perspectives (9 Ratings)
Ratings for Chime Financial (NASDAQ:CHYM) were provided by 9 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 4 | 2 | 3 | 0 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 1 | 0 | 0 | 0 | 0 |
| 2M Ago | 2 | 0 | 0 | 0 | 0 |
| 3M Ago | 1 | 2 | 2 | 0 | 0 |
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $29.56, a high estimate of $40.00, and a low estimate of $17.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 13.49%.
Understanding Analyst Ratings: A Comprehensive Breakdown
A clear picture of Chime Financial's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Harry Bartlett | Rothschild & Co | Announces | Neutral | $29.00 | - |
| Will Nance | Goldman Sachs | Raises | Buy | $30.00 | $27.00 |
| Hal Goetsch | B. Riley Securities | Announces | Buy | $35.00 | - |
| Will Nance | Goldman Sachs | Raises | Buy | $27.00 | $26.00 |
| Tien-Tsin Huang | JP Morgan | Lowers | Overweight | $34.00 | $40.00 |
| Timothy Chiodo | UBS | Lowers | Neutral | $24.00 | $37.00 |
| Patrick Moley | Piper Sandler | Lowers | Overweight | $30.00 | $35.00 |
| Trevor Williams | Jefferies | Announces | Hold | $17.00 | - |
| Joseph Vafi | Canaccord Genuity | Maintains | Buy | $40.00 | $40.00 |
Key Insights:
- Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Chime Financial. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Chime Financial compared to the broader market.
- Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of Chime Financial's stock. This comparison reveals trends in analysts' expectations over time.
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Chime Financial's market standing. Stay informed and make data-driven decisions with our Ratings Table.
Stay up to date on Chime Financial analyst ratings.
Discovering Chime Financial: A Closer Look
Chime Financial Inc is a financial technology company that believes in core banking services.
Chime Financial's Economic Impact: An Analysis
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Revenue Growth: Over the 3M period, Chime Financial showcased positive performance, achieving a revenue growth rate of 28.84% as of 30 September, 2025. This reflects a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of -10.07%, the company may need to address challenges in effective cost control.
Return on Equity (ROE): Chime Financial's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of -3.81%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Chime Financial's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -2.83%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Chime Financial's debt-to-equity ratio is below the industry average at 0.1, reflecting a lower dependency on debt financing and a more conservative financial approach.
The Significance of Analyst Ratings Explained
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
This article was generated by Benzinga's automated content engine and reviewed by an editor.