AU · rank #17 · 2026-09-10
CHYM
NASDAQ · $13.08B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.900 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.08 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 10 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.172 |
| Analyst upside Consensus target $36.90 | +6.8% |
| Momentum acceleration 3-month minus 12-month momentum. | +94.75% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +88.7% |
| 52w high | $35.55 |
| Market cap (USD) | $13.08B |
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 (CHYM) is a US mobile-first neobank generating transaction-based revenue from ~10.4 million active members via spending accounts, debit cards, and related fintech services.
Rationale
The analyst_upside strategy is reinforced by 18 covering analysts with 85.7% revision agreement, 5 target raises in 30 days, a 345% earnings surprise on the Q2 print, and a strong EPS revision trend across 7-, 30-, 60-, and 90-day windows — all pointing to a consensus that is still catching up to Chime's profitability inflection.
Material risks
- 1Revenue is almost entirely interchange- and transaction-dependent with no contractual backlog, meaning a regulatory cap on debit interchange fees (a live CFPB/legislative risk) could structurally impair the margin profile that is driving the entire analyst upgrade cycle.
- 2The CFO transition announced alongside Q2 results introduces execution uncertainty during a critical period of operating leverage expansion and restructuring, and analyst_target_dispersion_pct of 75.9% signals wide disagreement on terminal value despite the near-term beat.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.