CHYM Stock Forecast & Price Target

Chime Financial Inc. has demonstrated a strong upward trajectory in its financial performance, with average revenue per active member (ARPAM) reaching $245 in the third quarter of 2025, marking a 6% year-over-year increase. The company boasts a member base that has grown to over 8 million, with a compound annual growth rate (CAGR) of 21% over the past two years, accelerating to 23% in the second quarter of 2025. Additionally, platform revenue has surged at an impressive average rate of 90% over the last four quarters, driven by the successful launch of the MyPay service, indicating robust engagement and increasing monetization of its offerings.

Chime Financial Inc. faces significant risks related to its ineffective risk model, which may not adequately adapt to macroeconomic shifts, potentially leading to increased credit-related losses during economic downturns. The company’s expectations of minimal headcount growth in 2026 raise concerns about its ability to sustain operational expansion and attract active members, which are crucial for maintaining profitability amid competition. Additionally, various external factors such as altered pricing agreements and regulatory changes threaten to diminish Chime's payments revenue, further complicating its financial outlook.