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Chime Financial, Inc. Class A Common Stock (CHYM) — chart, structure and Closelooknet read

The Closelooknet read

Chime runs a mobile-only bank account rather than branches, offering a checking account, a debit card and access to shared ATM and cash-deposit networks. It sells short-term liquidity features such as advances against a paycheque, tools that report payment history to build a credit score, and a savings product with rewards.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for CHYM, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sector × region Technology in US: −8.2% week · −16.7% month · −11.5% quarter · +6.8% yearThe Sector Engine cell this name lives in, from XLK.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-06
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 1.06 to TLT · on the worst bond days it moved with the market

How it trades on rate days

How CHYM has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 1.06 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), Chime Financial, Inc. Class A Common Stock moved 1.06% on average · correlation 0.16 · higher than 84% of US names
  • Beta, last 3 months 1.24 about the same as over the year
  • On the 10 worst bond days −0.94% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +2.31% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Software - Application · US · 8 names with week and year-to-date

Peer group

Software - Application · US

Names in the same industry from the Closelooknet universe; scored names rank on their Closelooknet score, the rest on trend state.

Compared against CHYM on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Chime Financial, Inc. Class A Common Stock

CHYM in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Chime runs a mobile-only bank account rather than branches, offering a checking account, a debit card and access to shared ATM and cash-deposit networks. It sells short-term liquidity features such as advances against a paycheque, tools that report payment history to build a credit score, and a savings product with rewards. A workplace offering lets employers give staff access to the same banking tools as a benefit. It is based in San Francisco and listed its shares in 2025.
Where it sits in the stack
Chime has no seat in our index and sits outside the AI build-out stack; it belongs to the software-and-applications part of the technology sector in the diary's US coverage, where it is tracked as a consumer fintech rather than as a supplier to any hardware layer.
Who it is priced against
Closelooknet's peer group places it with scored technology names in the same sector and country, including Intuit, Adobe and Fortinet, reflecting sector and geography rather than a shared business model; the market also compares it with the online lender SoFi as a consumer-fintech peer.
Why Closelooknet tracks it
Chime carries a Closelooknet score with no index seat and no quotes recorded in the diary yet; its strongest module is momentum, and its weakest is quality.
What the diary watches
Whether the quality module improves as more reporting history accumulates after listing, since that has been the score's weak point so far.

Chime Financial, Inc. Class A Common Stock (CHYM) trades on US exchanges, classified under Technology.

The Closelooknet company score reads 52/100 composite (momentum 85, quality 35, valuation 32) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 10 analyst actions on the wire · latest: price target by Wells Fargo, 2026-11-05

The Street on this name

Analyst actions and the latest print for CHYM from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Wells Fargo — target 42 Target set to $42 (+40.6% to spot) 2026-11-05
  • Price target B.Riley — target 45 Target set to $45 (+50.7% to spot) 2026-11-05
  • Initiation Monness — at Neutral Initiated to Neutral 2026-10-26

10 actions on the analyst wire since 2026-08-13: 2 initiations, 8 target changes. Analyst wire → · Earnings wire →

Dividends and capital return no distribution in twelve months · buybacks 78 m USD in FY2025

Dividends and capital return

What CHYM pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2025 78 m USD 0.7% of today's market value
  • Share count +6.5% in FY2025 1.07 bn USD of stock-based compensation in the year
  • Capital returned 78 m USD · 236% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is Chime Financial, Inc. Class A Common Stock (CHYM)?

Chime Financial, Inc. Class A Common Stock trades as CHYM on the US exchange (US) and is classified under Technology in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is CHYM in a Closelooknet index?

Not currently — Chime Financial, Inc. Class A Common Stock is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

What is Chime Financial, Inc. Class A Common Stock's Closelooknet composite score?

52 out of 100, with momentum 85, quality 35 and valuation 32 sub-scores, as of 2026-11-07. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does CHYM trade against its moving averages?

Chime Financial, Inc. Class A Common Stock trades 4.6% above its 50-day and 31.3% above its 200-day moving average (6.2% above its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does Chime Financial, Inc. Class A Common Stock compare with its peers?

Against its peer group (Software - Application · US), Chime Financial, Inc. Class A Common Stock (CHYM) sits 11.9% below its 52-week high, 4.6% above its 50-day average; Adobe Inc. (ADBE) is 32.2% below, Workday Inc (WDAY) is 19.1% below, Salesforce Inc (CRM) is 17.1% below, as of 2026-11-06. Put any of them next to CHYM in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Chime Financial, Inc. Class A Common Stock trade when bond yields rise?

Over the past year Chime Financial, Inc. Class A Common Stock had a beta of 1.06 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 84% of US names. On the 10 sessions in which long bonds fell most it moved −0.94% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

What does Chime Financial, Inc. Class A Common Stock do?

Chime runs a mobile-only bank account rather than branches, offering a checking account, a debit card and access to shared ATM and cash-deposit networks. It sells short-term liquidity features such as advances against a paycheque, tools that report payment history to build a credit score, and a savings product with rewards. A workplace offering lets employers give staff access to the same banking tools as a benefit. Closelooknet's peer group places it with scored technology names in the same sector and country, including Intuit, Adobe and Fortinet, reflecting sector and geography rather than a shared business model; the market also compares it with the online lender SoFi as a consumer-fintech peer. (Company snapshot of 2026-09-17.)

Where does Chime Financial, Inc. Class A Common Stock sit in the AI build-out?

Chime has no seat in our index and sits outside the AI build-out stack; it belongs to the software-and-applications part of the technology sector in the diary's US coverage, where it is tracked as a consumer fintech rather than as a supplier to any hardware layer. Chime carries a Closelooknet score with no index seat and no quotes recorded in the diary yet; its strongest module is momentum, and its weakest is quality. (Company snapshot of 2026-09-17.)

Does Chime Financial, Inc. Class A Common Stock pay a dividend?

No cash distribution shows in Chime Financial, Inc. Class A Common Stock’s price series over the last three years. In fiscal 2025 the company bought back 78 m USD of its own shares, 236% of that year’s free cash flow. The share count rose 6.5% over the fiscal year. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Chime Financial, Inc. Class A Common Stock recently?

The most recent analyst action on Chime Financial, Inc. Class A Common Stock on the Closelooknet wire is a price target by Wells Fargo on 2026-11-05 (target 42). 10 actions on the analyst wire since 2026-08-13: 2 initiations, 8 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for CHYM, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Software - Application. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.