CHYM Stock Forecast & Price Target

Chime Financial Inc. has demonstrated significant growth with over 8 million members, reflecting a 21% compound annual growth rate (CAGR) over the past two years, which has accelerated to 23% in the second quarter. The average revenue per active member (ARPAM) reached $245 in the third quarter of 2025, marking a 6% year-over-year increase, indicative of heightened member engagement and successful monetization strategies. Furthermore, platform-related revenue has surged at an average rate of 90% over the last four quarters, largely driven by the impactful launch of MyPay, highlighting the company’s solidifying market position and potential for continued expansion.

Chime Financial Inc. faces significant risks associated with its ineffective risk model, which may not adequately respond to macroeconomic shifts, potentially leading to increased credit-related losses during economic downturns. Additionally, the company's strategy of maintaining minimal headcount growth in 2026 raises concerns about its ability to sufficiently attract and retain active members, thereby jeopardizing customer acquisition and retention metrics essential for financial stability. Furthermore, the potential for altered pricing agreements with card networks, along with regulatory challenges, poses a threat to Chime's payments revenue, further complicating its financial outlook.