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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the nearly 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests.
$31.66
$1.45 (-4.38%)
EOD Sep 1, 2026
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue grew 30.7% YoY.
At 22x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
22.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$2.32B
▲ +30.7% YoY
Net Income (TTM)
-$969M
▼ -3884.9% YoY
Net Margin
-41.87%
P/E
22.0x
Balance Sheet
Total Assets
$1.95B
Equity
$1.44B
Total Debt
$133M
Cash & Equiv.
$1.01B
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SourceComputed from the 10-Q filed 7 May 2026, covering the period ending 31 Mar 2026, as reported to the SEC. Data last refreshed 7 Jun 2026. How this is calculated.
Price from market data, last close as of 1 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 22.0 and a price-to-free-cash-flow of 385.5, Chime Financial (CHYM) trades above a two-stage DCF intrinsic value of about $3.62 per share, so at $31.66 the stock looks overvalued (88.6% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Chime Financial scores 39/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $3.62 per share for CHYM, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $2.71. At today's $31.66, that puts the stock about 88.6% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Chime Financial scores 39 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a -43.3% operating margin and a -51.1% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. CHYM currently trades above its estimated intrinsic value and scores 39/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.