Chime Financial, Inc. (CHYM): one to watch?

Watch, don't buy yet — the crash looks driven by heavy post-IPO insider selling and unprofitability, not a proven one-off fluke.

👀 WATCH Fundamentals58/100

Fell 23% in 11 trading day(s) — now $26.46

$44.9$15.9 peak $35 20252026

Why CHYM dropped

Chime (IPO'd June 2025) has seen a steady stream of insider and major-shareholder stock sales through September 2026 as lockup restrictions have lifted, coinciding with the stock's slide from its June 2025 all-time high of $34.79 down to today's $26.46; no single fraud, lawsuit, or guidance-cut headline was found, but persistent insider selling plus a negative net margin and negative ROE despite 26.8% revenue growth suggests the market is losing confidence in the path to real profitability.

Fwd P/E 16.4Op margin 18.6%Rev growth 26.8%Debt/equity 12.9%Analyst upside 48.9%
How this scored 58/100
✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.
✅ Makes money Loss-making today, but operations are profitable (18.6%) and analysts expect positive earnings next year
✅ Generates cash Free cash flow $438M
✅ Not drowning in debt Debt/equity 12.9% (limit 200%)
✅ Can pay its bills Current ratio 4.6 (needs 1+)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 7/25
Operating margin 18.6% 7/9
Net profit margin -0.7% 0/8
Return on equity -1.3% 0/8
Growth Is it getting bigger, or dying? 11/25
Revenue growth 26.8% 9/9
Earnings growth unknown 2/8
Expected profit change -70.0% 0/8
Value Is it cheap right now? 15/25
Forward P/E 16.4 7/10
PEG ratio unknown 2/8
Analyst target upside 48.9% 6/7
Balance sheet Will it survive? 25/25
Debt / equity 12.9% 10/10
Current ratio 4.6 8/8
Free cash flow $438M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-24. Research only — not financial advice.