AU · rank #18 · 2026-10-22
CHYM
NASDAQ · $11.22B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.949 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.02 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 10 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.213 |
| Analyst upside Consensus target $39.77 | +31.0% |
| Momentum acceleration 3-month minus 12-month momentum. | +28.70% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.65 |
| Gross margin TTM | +88.7% |
| 52w high | $35.55 |
| Market cap (USD) | $11.22B |
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, currently transitioning toward owning its banking infrastructure via the pending $590M acquisition of Stride Bank.
Rationale
With 16 analysts at a 4.65/5 rating, 91.7% revision agreement, 31% consensus upside, a 345% earnings surprise last quarter, and accelerating EPS revisions over 7/30/60/90-day windows, the analyst_upside signal is strongly reinforced by broad, directionally consistent institutional conviction rather than a single outlier upgrade.
Material risks
- 1OCC/Federal Reserve denial or prolonged delay of the Stride acquisition leaves Chime structurally dependent on two partner banks, capping product velocity and undermining the core banking-infrastructure thesis that justifies premium valuation.
- 2Expansion into unsecured revolving credit and lending introduces credit-loss and compliance risk at scale in a consumer segment where large banks and fintech peers can replicate low-fee digital features without a patent or sole-source moat to defend margin.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.