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    Assessing Chime Financial (CHYM) Valuation After Recent Share Price Momentum

    Simply Wall St·01/08/2026 02:35:05
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    Understanding Chime Financial’s Recent Share Performance

    Chime Financial (CHYM) has recently drawn investor attention after a period of relatively strong share price performance, with the stock showing positive returns over the past week, month and past 3 months.

    See our latest analysis for Chime Financial.

    At a share price of $27.23, Chime Financial’s short term momentum has been firm, with a 30 day share price return of 13.84% and a 90 day share price return of 27.99%, while the year to date share price return of 3.14% points to gains that are more modest over a longer stretch.

    If Chime’s recent move has caught your eye, it could be a good moment to broaden your watchlist and check out fast growing stocks with high insider ownership.

    With the shares at $27.23 and a 17.03% gap to the average analyst price target, you need to ask yourself: is Chime still trading below its potential, or is the market already pricing in future growth?

    Price-to-Sales of 4.9x: Is It Justified?

    On a P/S of 4.9x at a last close of $27.23, Chime Financial trades at a richer tag than both its peer group and the wider US diversified financials space.

    The P/S multiple compares the company’s market value to its revenue, which can be useful for businesses that are not yet profitable but are generating meaningful sales.

    For Chime, this 4.9x P/S comes against a backdrop of forecast revenue growth of 18.1% per year and expectations that earnings could move from loss making to profitable over the next three years. The market is effectively paying a higher price for each dollar of Chime’s current revenue. This suggests investors may be comfortable assigning a premium to that growth outlook.

    That premium stands out when you line it up against the estimated fair P/S of 4.5x and the broader comparisons. The stock trades above the US diversified financial industry average P/S of 2.6x and above the peer group average of 3.5x, a clear signal that the market is valuing Chime’s revenue more highly than many of its closest comparables and what the fair ratio model points to as a potential anchor level.

    Explore the SWS fair ratio for Chime Financial

    Result: Price-to-Sales of 4.9x (OVERVALUED)

    However, you also need to weigh Chime’s latest annual net income loss of $984.765 million and the risk that forecast revenue growth of 18.1% per year does not materialise.

    Find out about the key risks to this Chime Financial narrative.

    Build Your Own Chime Financial Narrative

    If you see the numbers differently or prefer to work through the data yourself, you can build a fresh Chime story in just a few minutes: Do it your way.

    A good starting point is our analysis highlighting 2 key rewards investors are optimistic about regarding Chime Financial.

    Looking for more investment ideas?

    If Chime is on your radar but you want a wider set of options, use a few focused screens to quickly spot other opportunities that fit your style.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.