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Chime Financial, Inc.

CHYM Finance Finance: Consumer Services
$30.16
▼ -1.0% Today
as of Oct 22, 16:47 ET
Last 30 days -11.22% Sep 14 → Oct 22
$25.86 $28.04 $30.22 $32.39 $34.57 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$29.97
High
$30.73
Low
$29.59
Volume
$2M
Avg Vol
$5M
Mkt Cap
$10.6B
P/E (TTM)
593.40
Beta
—
52w High
$35.55
52w Low
$15.88
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 25 items

Oct 14 · 20:05 PR Business Wire
Chime to Announce Third Quarter 2026 Financial Results on November 4, 2026
Oct 13 · 21:43 MT Newswires
Chime Financial Insider Sold Shares Worth $1,479,070, According to a Recent SEC Filing
Oct 12 · 15:33 Insider Monkey
What Makes Chime Financial (CHYM) A Long-Term Compounder?
▸ Show all 25 press releases & news Free account →

CHYM earnings at a glance

Chime Financial, Inc. (CHYM) is scheduled to report earnings on Wednesday, November 4, 2026 — in 12 days. Analysts expect earnings per share of $0.09, compared with -$0.15 in the same quarter last year (+160%). The options market is pricing a move of about ±6.6% after the report, a range of roughly $28.18 to $32.14 from today's $30.16. Over its last 5 reports the stock rose the next day 2 times and fell 3, moving ±13.3% on average; after the most recent report on Aug 5, 2026 it moved +20.6%. That means options currently expect less movement than CHYM has typically delivered. CHYM beat the consensus EPS estimate in 4 of its last 5 reported quarters. Implied volatility is currently 56%. The share price of $30.16 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$16
$36
73% of range
Avg surprise (last 5)
+232.6%
Avg reaction (last 5)
+0.3%
40% positive
Latest IV / EM
56%
EM ±6.6% · $30 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$-7.29$-5.44$-3.58$-1.73$0.13 Actual $-0.34Actual $-7.29Est $-4.85Actual $-0.15Est $-0.25Actual $-0.12Est $-0.20Actual $0.13Est $0.03Actual $0.07Est $-0.01 JunSepMarJun/2025Sep/20258KMar/2026Jun/2026
Revenue vs Net Income Revenue Net income
$-923M$-517M$-110M$297M$703M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Aug 5, 2026Jun/2026 $0.07 $-0.01 +800.0% +99.9% +20.6% earnings
Wed May 6, 2026Mar/2026 $0.13 $0.03 +333.3% — -12.5% earnings
Wed Feb 25, 20268K 2026-02-25 $-0.12 $-0.20 +40.0% — +13.5% earnings
Wed Nov 5, 2025Sep/2025 $-0.15 $-0.25 +40.0% — -5.4% earnings
Thu Aug 7, 2025Jun/2025 $-7.29 $-4.85 -50.3% — -14.7% earnings
Mon Mar 31, 2025Mar 2025 — — — — — financials
Mon Sep 30, 2024Sep 2024 $-0.34 — — — — financials
Sun Jun 30, 2024Jun 2024 — — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Wed Nov 4, 2026Sep/2026OTHER $0.09-$0.15 +160.0%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$670M$647M—$544M$528M$519M—$422M
Cost of revenue$75M$67M—$69M$67M$60M—$54M
Gross profit$595M$580M—$474M$461M$458M—$368M
Operating income$21M$46M—$-65M$-931M$9M—$-31M
Net income$28M$53M—$-55M$-923M$13M—$-22M
EPS (diluted)$0.07$0.13—$-0.15$-7.29——$-0.34

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$536M$608M$466M$445M$868M$318M$338M$271M
Inventory————————
Total current assets$1.79B$1.74B$1.76B$1.76B$1.74B—$1.29B—
Total assets$2.00B$1.95B$1.96B$1.96B$1.90B—$1.46B—
Long-term debt————————
Total liabilities$592M$509M$563M$519M$474M—$502M—
Total equity$1.40B$1.44B$1.40B$1.44B$1.43B$-1.91B$-1.93B$-1.92B

Implied volatility — last 90 days

44%68%92%116%140% Jun 07 — IV 68% · EM ±9.4%Jun 08 — IV 66% · EM ±8.7%Jun 09 — IV 69% · EM ±8.6%Jun 10 — IV 89% · EM ±10.5%Jun 11 — IV 76% · EM ±8.4%Jun 12 — IV 76% · EM ±7.8%Jun 15 — IV 84% · EM ±6.1%Jun 16 — IV 74% · EM ±4.4%Jun 17 — IV 140% · EM ±5.9%Jun 19 — IV 62% · EM ±13.6%Jun 22 — IV 69% · EM ±14.5%Jun 23 — IV 67% · EM ±13.8%Jun 24 — IV 67% · EM ±13.3%Jun 25 — IV 66% · EM ±12.9%Jun 26 — IV 66% · EM ±12.7%Jun 29 — IV 71% · EM ±12.6%Jun 30 — IV 65% · EM ±11.2%Jul 01 — IV 68% · EM ±11.4%Jul 02 — IV 65% · EM ±10.6%Jul 03 — IV 67% · EM ±10.5%Jul 06 — IV 76% · EM ±10.5%Jul 07 — IV 73% · EM ±9.6%Jul 08 — IV 76% · EM ±9.5%Jul 09 — IV 75% · EM ±8.9%Jul 10 — IV 78% · EM ±8.6%Jul 13 — IV 84% · EM ±7.1%Jul 14 — IV 90% · EM ±6.5%Jul 15 — IV 103% · EM ±6.1%Jul 16 — IV 93% · EM ±3.9%Jul 20 — IV 78% · EM ±18.5%Jul 21 — IV 75% · EM ±17.5%Jul 22 — IV 79% · EM ±18.0%Jul 23 — IV 81% · EM ±18.2%Jul 24 — IV 78% · EM ±17.3%Jul 27 — IV 79% · EM ±16.6%Jul 28 — IV 83% · EM ±17.0%Jul 29 — IV 75% · EM ±15.1%Jul 30 — IV 80% · EM ±15.7%Jul 31 — IV 79% · EM ±15.1%Aug 03 — IV 84% · EM ±14.9%Aug 04 — IV 80% · EM ±13.8%Aug 05 — IV 80% · EM ±13.4%Aug 06 — IV 71% · EM ±11.4%Aug 07 — IV 54% · EM ±8.4%Aug 10 — IV 58% · EM ±8.0%Aug 11 — IV 55% · EM ±7.2%Aug 12 — IV 62% · EM ±7.8%Aug 13 — IV 53% · EM ±6.2%Aug 14 — IV 52% · EM ±5.8%Aug 17 — IV 64% · EM ±5.3%Aug 18 — IV 61% · EM ±4.4%Aug 19 — IV 63% · EM ±3.7%Aug 20 — IV 64% · EM ±2.7%Aug 24 — IV 46% · EM ±9.6%Aug 25 — IV 47% · EM ±9.6%Aug 26 — IV 47% · EM ±9.4%Aug 27 — IV 49% · EM ±9.7%Aug 28 — IV 45% · EM ±8.7%Aug 31 — IV 48% · EM ±8.5%Sep 01 — IV 44% · EM ±7.7%Sep 02 — IV 47% · EM ±7.9%Sep 03 — IV 48% · EM ±7.7%Sep 04 — IV 49% · EM ±7.6%Sep 07 — IV 55% · EM ±7.6%Sep 08 — IV 63% · EM ±8.4%Sep 09 — IV 55% · EM ±6.9%Sep 10 — IV 53% · EM ±6.2%Sep 11 — IV 47% · EM ±5.2%Sep 14 — IV 68% · EM ±5.7%Sep 15 — IV 58% · EM ±4.2%Sep 16 — IV 80% · EM ±4.7%Sep 17 — IV 136% · EM ±5.7%Sep 21 — IV 50% · EM ±10.5%Sep 22 — IV 51% · EM ±10.5%Sep 23 — IV 54% · EM ±10.8%Sep 24 — IV 48% · EM ±9.3%Sep 25 — IV 48% · EM ±9.1%Sep 28 — IV 52% · EM ±9.3%Sep 29 — IV 53% · EM ±9.1%Sep 30 — IV 51% · EM ±8.5%Oct 01 — IV 50% · EM ±8.1%Oct 02 — IV 46% · EM ±7.2%Oct 06 — IV 44% · EM ±5.9%Oct 07 — IV 49% · EM ±6.2%Oct 08 — IV 56% · EM ±6.6%

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CHYM earnings FAQ

When is CHYM's next earnings date?

Chime Financial, Inc. is expected to report on November 4, 2026.

What is CHYM's expected move for earnings?

Options currently price a move of about ±6.6%, or $1.98 per share either way from $30.16.

How does CHYM stock usually react to earnings?

Across the last 5 reports the average next-day move was ±13.3%, up 2 times and down 3 times.

What EPS are analysts expecting from Chime Financial, Inc.?

The consensus estimate is $0.09 per share, versus -$0.15 a year ago.

What is CHYM's implied volatility?

CHYM's at-the-money implied volatility is about 56% based on the latest options snapshot.

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