AU · rank #13 · 2026-10-23
CHYM
NASDAQ · $11.22B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.096 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.02 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 10 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.207 |
| Analyst upside Consensus target $39.77 | +31.9% |
| Momentum acceleration 3-month minus 12-month momentum. | +29.30% |
| 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 digital banking platform serving 10.4 million active members via interchange-driven debit/credit, earned-wage access (MyPay), Instant Loans, and a nascent brokerage, with a pending $590M acquisition of Stride Bank to bring banking infrastructure in-house.
Rationale
The analyst_upside signal is reinforced by 16 covering analysts at a 4.65/5 rating with 91.7% revision agreement, a 31.9% price target gap, accelerating EPS revisions across 7/30/60/90-day windows, a 345% earnings surprise, and raised full-year guidance — all consistent with a genuine re-rating cycle rather than stale sentiment.
Material risks
- 1Interchange-fee concentration means a single regulatory action on debit interchange (Durbin-style reform or card-network repricing) could structurally impair the majority of Chime's revenue before the Stride acquisition closes and diversifies the model.
- 2The $590M Stride acquisition requires OCC and Federal Reserve approval through H1 2027, and a denial or prolonged delay would eliminate the >$100M synergy thesis that underpins the forward earnings revision trajectory driving this screen.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.