AU · rank #19 · 2026-10-19
CHYM
NASDAQ · $11.39B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.876 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.02 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 10 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.186 |
| Analyst upside Consensus target $39.73 | +33.9% |
| Momentum acceleration 3-month minus 12-month momentum. | +14.49% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.65 |
| Gross margin TTM | +88.7% |
| 52w high | $35.55 |
| Market cap (USD) | $11.39B |
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 scaled U.S. neobank offering app-based spending, savings, credit-building, and premium membership products via partner-bank relationships, with a pending $590M acquisition of Stride Bank to bring a national charter in-house.
Rationale
The analyst_upside signal is strongly reinforced — 16 analysts, 91.7% revision agreement, 34% upside to consensus target, two net upgrades in 30 days, and a 345% earnings surprise collectively confirm broad, accelerating institutional conviction rather than isolated sentiment noise.
Material risks
- 1OCC/Federal Reserve rejection or prolonged delay of the Stride acquisition leaves Chime structurally dependent on two partner banks, undermining the product-control and margin-expansion thesis that underpins much of the analyst target appreciation.
- 2Unsecured revolving credit and lending expansion into a consumer base historically underserved by traditional credit introduces loss-rate and compliance risk that could compress the 89% gross margin and miss the $465–$475M EBITDA guide.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.