Is CHYM stock a Buy, Sell, or Hold?

Based on our analysis, CHYM is currently a HOLD with low 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 $19.09 and $23.13. The current price is $17.88.

What is the analyst price target for CHYM?

The average Wall Street analyst price target for CHYM is $30.61. This implies a potential upside of 71.2% from current levels.

CHYM Stock Analysis: Buy, Sell, or Hold?

CHYM - Chime Financial, Inc. Class A Common Stock

FINANCE SERVICES

$17.88

0.49 (2.82%) ▲

5d: -5.94%

30d: -23.62%

90d: -7.55%

HOLD

LOW Confidence

Protect Your CHYM Gains

Analysis Updated: May 14, 2026 12:00 AM ET

Earnings: May 13, 2026 0d

Smart Money Accumulation

CHYM is down 13.0% this week, but smart money is accumulating calls. Top strike: $30 2026-06-18 with 11,229 OI. Call ratio: 68% View Scanner →

Strength: 8.3/10

Get Alerted When CHYM Hits Your Target Price

Join 10,000+ traders who never miss a move

You're in! Check your email to confirm and set your target price.

100% Free No spam, ever Unsubscribe anytime

Interactive Price Chart (1 Month)

Loading historical data...

💡

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

See Forward Earnings Fair Value & Price Prediction →

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

$37.55

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$23.32

23.3% Margin of Safety

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 $17.88, which is considered oversold relative to its 30-day fair value range of $19.09 to $23.13. From a valuation perspective, the stock is trading at a discount (Forward PE: 23.2) compared to its historical average (35.2). Remarkably, the market is currently pricing in an annual earnings decline of 13.0% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, CHYM is in a strong downtrend. Immediate support is located at $17.30, while resistance sits at $22.73.

Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.61 (+71.2%). 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

Historical Trading Range $19.09 - $23.13

Company Quality Score 54/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 79.5%

Protect Your Profits

Holding CHYM? Use our AI-powered strategies to protect your downside while keeping your long-term position.

View Profit Protection Plan

All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (40/100)
BULLISH: High volume confirmation
BULLISH: Trading 71.2% below Wall St target ($30.61)
CAUTION: Recommendation downgraded due to -5.9% 5-day decline

Trading Range Analysis

30-Day Trading Range $19.09 - $23.13

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $17.30

Resistance Level $22.73

Current Trend Strong Downtrend

Technical data as of May 14, 2026

Fundamental Context

Forward P/E (Next Year Est.) 23.18

Wall Street Target $30.61 (+71.2%)

Revenue Growth (YoY) 24.8%

Earnings Growth (YoY) -33.8%

Profit Margin -41.9%

Valuation Discount vs History -13.0% cheaper

PE vs Historical 23.2 vs 35.2 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -13.0% (market-implied from PE analysis)

1-Year Target $16.09 (-10%)

2-Year Target $14.48 (-19%)

3-Year Target $13.03 (-27%)

3-Yr Target (if PE normalizes) (PE: 23→35) $19.79 (+11%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 23.2, Growth: 132.7%) $60.34 (+238%)

Base: (SPY PE: 22.0, Growth: 132.7%) $57.37 (+221%)

Bear: (PE: 18.7, Growth: 132.7%) $48.77 (+173%)

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 23.2 to 35.2

Stabilization Target: $27.15 (+51.8%)

PE Expansion Potential: +51.8%

Share & Embed Analysis

Found this analysis useful? Share it with your community or embed the live chart on your blog.

Tweet Reddit

bloggers & journalists: you are free to use our charts with attribution.

Last updated: May 14, 2026 10:17 PM ET
Data refreshes hourly during market hours. Next update: 11:17 PM

🔥 Top Stocks Breaking Out Now

Ticker	Score	Recommendation	Change %

See Full Scanner Results »

Technical Signals Check

Is CHYM showing a specific setup today?

RSI Divergence Check TTM Squeeze Check MACD Crossover Check Gamma Walls Check Unusual Activity Check

Insider Activity (6 Months)

Buys

Sells

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

View Insider Activity Scanner

Unlock Insider Activity

See real-time buying/selling by company executives for CHYM.

Create Free Account

Already have an account? Log In

Top Rated Software - Application Stocks

Top-rated stocks in Software - Application by analyst ratings.

Stock	Analyst Consensus	Analyst Target	Tradestie Score
TEAM Atlassian Corp Plc	STRONG BUY 33 analysts	$143	64 BUY
HUBS HubSpot Inc	STRONG BUY 36 analysts	$304	53 HOLD
INTU Intuit Inc	STRONG BUY 34 analysts	$594	52 HOLD
SNOW Snowflake Inc.	STRONG BUY 50 analysts	$233	58 HOLD
ADSK Autodesk Inc	STRONG BUY 32 analysts	$326	55 HOLD

TEAM Atlassian Corp Plc

Advanced CHYM Option Strategies

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

Iron Condor Bull Call Bear Put Collar

More Analysis for CHYM

CHYM Technical Chart CHYM Price Prediction CHYM Earnings Date CHYM Investment Advisor CHYM Fair Price Analyzer CHYM Options Advisor CHYM Options Chain CHYM Options Analysis CHYM Competitors

Compare CHYM with Peers

CHYM vs VOYG
Which one to buy?

CHYM vs ETOR
Which one to buy?

CHYM vs BLSH
Which one to buy?

CHYM vs KLAR
Which one to buy?

CHYM vs FIGR
Which one to buy?

PGY vs CHYM
Winner: CHYM

CHYM vs CRCL
Winner: CHYM

CHYM vs SLNH

Create New Comparison View All Competitors

Tradestie