AU · rank #15 · 2026-09-04
CHYM
NASDAQ · $12.74B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.215 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.14 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 10 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.171 |
| Analyst upside Consensus target $35.05 | +4.2% |
| Momentum acceleration 3-month minus 12-month momentum. | +83.36% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +88.7% |
| 52w high | $34.44 |
| Market cap (USD) | $12.74B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Chime Financial is a U.S. digital neobank generating revenue primarily from payments and platform services, having recently achieved its first two consecutive GAAP-profitable quarters after years of heavy losses.
Rationale
The analyst_upside signal is reinforced by 13 target raises in 30 days, 91.7% revision agreement among 17 analysts, a 345% earnings surprise in Q2 2026, and accelerating momentum following the profitability inflection — exactly the conditions where consensus estimate drift tends to persist.
Material risks
- 1The TTM net loss of ~$969M and operating expense base of ~$2.96B mean profitability is fragile and highly sensitive to any deceleration in revenue growth or interchange economics, which could rapidly reverse the narrative driving analyst upgrades.
- 2Zero insider buying over 90 days despite a fresh $200M buyback authorization and a newly public stock suggests insiders are not personally conviction-buying the profitability inflection they are publicly endorsing.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.