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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.
$22.33
+$0.40 (+1.82%)
EOD Jul 17, 2026
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue grew 30.7% YoY.
At 16x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.5x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
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
15.5x
Balance Sheet
Total Assets
$1.95B
Equity
$1.44B
Total Debt
$133M
Cash & Equiv.
$1.01B
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At a P/E of 15.5 and a price-to-free-cash-flow of 271.9, Chime Financial (CHYM) trades above a two-stage DCF intrinsic value of about $3.62 per share, so at $22.33 the stock looks overvalued (83.8% 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 40/100 on Intrinsiqq's quality scorecard (a mixed 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 $22.33, that puts the stock about 83.8% 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 40 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed 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 40/100 on quality (mixed). 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.