Chime Financial Inc (CHYM) Stock: Assessing the Risk and Reward

The simple moving average for the past 20 days is 4.68% for CHYM’s stock, with a 4.68% simple moving average for the past 200 days.

Is It Worth Investing in Chime Financial Inc (NASDAQ: CHYM) Right Now?

The public float for CHYM is 280.47M, and currently, shorts hold a 0.49% of that float. The average trading volume for CHYM on June 30, 2025 was 8.09M shares.

CHYM) stock’s latest price update

Chime Financial Inc (NASDAQ: CHYM)’s stock price has gone rise by 4.34 in comparison to its previous close of 33.06, however, the company has experienced a 15.92% increase in its stock price over the last five trading days. forbes.com reported 2025-06-26 that The fintech firm Chime Financial (NASDAQ: CHYM) went public about two weeks ago. Despite the stock rising nearly 40% above its IPO price of $27 to start at $43, it has since faced a steep decline, trading at approximately $29 as of Tuesday.

CHYM Trading at 4.68% from the 50-Day Moving Average

After a stumble in the market that brought CHYM to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -23.24% of loss for the given period.

Insider Trading

Reports are indicating that there were more than several insider trading activities at CHYM starting from Marshall Cynthia, who purchase 1,500 shares at the price of $27.00 back on Jun 13 ’25. After this action, Marshall Cynthia now owns 65,167 shares of Chime Financial Inc, valued at $40,500 using the latest closing price.

Marshall Cynthia, the Director of Chime Financial Inc, purchase 750 shares at $27.00 during a trade that took place back on Jun 13 ’25, which means that Marshall Cynthia is holding 375 shares at $20,250 based on the most recent closing price.

Stock Fundamentals for CHYM

Current profitability levels for the company are sitting at:

  • 0.02 for the present operating margin
  • 0.88 for the gross margin

The net margin for Chime Financial Inc stands at 0.03. The total capital return value is set at 0.01. Equity return is now at value 3.00, with -3.90 for asset returns.

Based on Chime Financial Inc (CHYM), the company’s capital structure generated 0.09 points at debt to capital in total, while cash flow to debt ratio is standing at 0.51.

Currently, EBITDA for the company is -36.83 million with net debt to EBITDA at -8.49. When we switch over and look at the enterprise to sales, we see a ratio of 13.55. The receivables turnover for the company is 2.66for trailing twelve months and the total asset turnover is 0.63. The liquidity ratio also appears to be rather interesting for investors as it stands at 3.80.

Conclusion

In conclusion, Chime Financial Inc (CHYM) has had a mixed performance lately. Opinion on the stock among analysts is mixed, with some giving it a “buy” rating and others a “hold”. It is worth mentioning that the stock is currently trading in close proximity to its 50-day moving average and its 52-week high.

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