Is CHYM stock a Buy, Sell, or Hold?

Based on our analysis, CHYM is currently a HOLD with moderate confidence. 📊 HOLD: CHYM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of CHYM stock?

Our analysis estimates the fair value range for CHYM to be between $18.67 and $22.54. The current price is $17.41.

What is the analyst price target for CHYM?

The average Wall Street analyst price target for CHYM is $32.19. This implies a potential upside of 89.4% from current levels.

CHYM Stock Analysis: Buy, Sell, or Hold?

CHYM - Chime Financial, Inc. Class A Common Stock

FINANCE SERVICES

$17.41

0.42 (2.47%) ▲

5d: -11.98%

30d: -21.33%

90d: -34.28%

HOLD

MODERATE Confidence

Protect Your CHYM Gains

Analysis Updated: Mar 30, 2026 12:00 AM ET

Earnings: May 12, 2026

Smart Money Accumulation

CHYM is down 10.4% this week, but smart money is accumulating calls. Top strike: $25 2026-04-17 with 667 OI. Call ratio: 64% View Scanner →

Strength: 6.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: CHYM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$27.40

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$17.01

Trading above fair value

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: CHYM is currently trading at $17.41, which is considered oversold relative to its 30-day fair value range of $18.67 to $22.54. From a valuation perspective, the stock is trading at a discount (Forward PE: 30.2) compared to its historical average (35.8). Remarkably, the market is currently pricing in an annual earnings decline of 5.5% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, CHYM is in a downtrend. The price is currently testing key support at $16.90. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: CHYM has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $32.19 (+89.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD

Fair Price Range $18.67 - $22.54

Company Quality Score 55/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 57.1%

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All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (25/100)
BULLISH: High volume confirmation
BULLISH: Trading 89.4% below Wall St target ($32.19)
CAUTION: 5-day price weakness (-12.0%) - monitor closely

Fair Price Analysis

30-Day Fair Range $18.67 - $22.54

Current vs Fair Value OVERSOLD

Support & Resistance Levels

Support Level $16.90

Resistance Level $21.21

Current Trend Downtrend

Technical data as of Mar 30, 2026

Fundamental Context

Forward P/E (Next Year Est.) 30.19

Wall Street Target $32.19 (+89.4%)

Revenue Growth (YoY) 25.5%

Earnings Growth (YoY) -20.4%

Profit Margin -46.2%

Valuation Discount vs History -5.5% cheaper

PE vs Historical 30.2 vs 35.8 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -5.5% (market-implied from PE analysis)

1-Year Target $16.06 (-6%)

2-Year Target $15.17 (-11%)

3-Year Target $14.34 (-16%)

3-Yr Target (if PE normalizes) (PE: 30→36) $17.00 (+0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 30.2, Growth: 270.8%) $57.34 (+238%)

Base: (SPY PE: 22.4, Growth: 270.8%) $42.55 (+150%)

Bear: (PE: 19.0, Growth: 270.8%) $36.17 (+113%)

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 30.2 to 35.8

Stabilization Target: $20.15 (+18.6%)

PE Expansion Potential: +18.6%

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Last updated: March 30, 2026 4:27 PM ET
Data refreshes hourly during market hours. Next update: 5:27 PM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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Net

INSIDERS SELLING

Recent Transactions

Adam B Frankel SELL 500 shares 2026-01-09

Christopher R Britt SELL 50000 shares 2026-01-09

Matthew S Newcomb SELL 10000 shares 2026-01-09

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Professional options setups generated by AI based on today's CHYM price and gamma walls.

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