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Chime Financial, Inc. Stock: price and insider trades · United States
Chime Financial, Inc.: what insiders have been doing
This page follows insider dealings at Chime Financial, Inc. as filed with SEC (Form 4), a company from the Finance & Banking sector. Over the twelve months to 18 October 2026, 285 filings were filed, from 25 insiders.
Only sales appear on the open market, 192 sales in all totalling €547.8M, filed by 9 insiders. The totals do not cover 2 filings with an undisclosed amount. DST Global Advisors Ltd filed the largest sale, €53.8M, on 20 August 2026, which represents 0.61% of the company's market value.
With 285 filings in twelve months, the company is more active than the median of 19 filings across the 5,814 companies we follow on the same exchange. Our records for Chime Financial, Inc. go back to 2025, with no purchases and 192 sales on the open market in total. For the fiscal year to 31 December 2025, the annual 10-K puts revenue at 2.19 bn USD and net income at -1.01 bn USD.
The median gap between a trade and its publication by SEC (Form 4) is 2 days. The legal deadline for a Form 4 is two business days after the transaction. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
311
Thresholds
n/a
Buy Volume
n/a
n/a
Sell Volume
€548M
192 ops. · all time
Who traded when
BuySaleDST Global Advisors Ltd202 sales
Feuille James10 sales
Carolan Shawn T6 sales
Christopher R. Britt4 sales
Ryan A. King3 sales
Adam B. Frankel2 sales
+2 other insiders
Analyst consensus: bullish or bearish?
Analysts rate Chime Financial, Inc. Strong Buy (bullish), based on 22 analysts. Average price target: US$39.77.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 18,064 of 24,148 companies
34.8
score / 100
Value28
Quality41
FCF yld0.2%
Earn yld-9.0%
EV/EBITDA·
ROE-1.3%
Gross mgn88%
Net mgn-46%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$29.00
Analyst consensus
22 analystsStrong buy
US$31.00Target US$39.77(+37%)US$50.00
Income statement
RevenueUS$2.2B
Gross profitUS$1.9B88% margin
EBITDA-US$1B-46% margin
Net income-US$1B-0.7% margin
Valuation
PER (trailing)34.1x
PER (forward)13.0x
P/Book7.8x
Balance sheet & cash
Market capUS$11B
Total debtUS$134.7M
Free Cash FlowUS$24.1M
Debt / Equity13%
Profitability & ownership
ROE-1.3%
ROA12.0%
% insiders7.6%
% institutions95.5%
Last declaration on 16 October 2026
Declarations311 total
67,438 shares@ US$29.00Class A Common StockSEC:0002061801-26-000021:0
57,562 shares0Class A Common StockSEC:0002061801-26-000021:1
57,562 shares0Class A Common StockSEC:0002061801-26-000021:2
37,188 shares@ US$29.00Class A Common StockSEC:0002061219-26-000021:0
37,812 shares0Class A Common StockSEC:0002061219-26-000021:1
37,812 shares0Class A Common StockSEC:0002061219-26-000021:2
75,000 shares@ US$30.450.020% mcap15.8% of flowCommonSEC144:0001950047-26-010203
50,000 shares0Class A Common StockSEC:0002061219-26-000019:0
300 shares0Class A Common StockSEC:0002061219-26-000019:2
50,000 shares@ US$29.39540.013% mcap10.2% of flowClass A Common StockSEC:0002061219-26-000019:1
300 shares@ US$31.000.0001% mcap0.1% of flowClass A Common StockSEC:0002061219-26-000019:3
50,000 shares@ US$28.960.014% mcap100.0% of flowCommonSEC144:0001950047-26-010144
161,437 shares@ US$32.7050.052% mcap50.1% of flowCommonSEC144:0001950047-26-009546
95,400 shares@ US$31.71370.030% mcap19.3% of flowCommonSEC144:0001950047-26-009559
54,600 shares@ US$31.71370.017% mcap19.3% of flowCommonSEC144:0001950047-26-009560
7,391 shares@ US$34.24960.0025% mcap0.0% of flowClass A Common StockSEC:0001193125-26-393444:5
1,386,429 shares@ US$33.97120.46% mcap8.8% of flowClass A Common StockSEC:0001193125-26-393444:0
712,293 shares@ US$33.97120.24% mcap4.5% of flowClass A Common StockSEC:0001193125-26-393444:2
44,033 shares@ US$34.24960.015% mcap0.3% of flowClass A Common StockSEC:0001193125-26-393444:3
119,566 shares@ US$33.97120.040% mcap0.8% of flowClass A Common StockSEC:0001193125-26-393444:4
144,485 shares@ US$33.97120.048% mcap0.9% of flowClass A Common StockSEC:0001193125-26-393444:6
8,932 shares@ US$34.24960.0030% mcap0.1% of flowClass A Common StockSEC:0001193125-26-393444:7
25,941 shares@ US$34.24960.0087% mcap0.2% of flowClass A Common StockSEC:0001193125-26-393444:9
218,211 shares@ US$33.97120.073% mcap1.4% of flowClass A Common StockSEC:0001193125-26-393444:10
86,948 shares@ US$33.22690.028% mcap41.3% of flowClass A Common StockSEC:0001241526-26-000021:1
25 of 311 declarations
About Chime Financial, Inc.
Chime Financial, Inc. (ticker: CHYM) is a U.S.-listed fintech company trading on the NASDAQ in the United States. Founded in 2012 by Chris Britt and Ryan King, Chime is headquartered in San Francisco, California, with additional offices in Chicago and New York City. The company is positioned as a digital alternative to traditional consumer banking, but it is not itself a bank. Instead, Chime partners with regulated banking institutions to provide deposit services and card products, with member funds held in FDIC-insured accounts through The Bancorp Bank, N.A. and Stride Bank, N.A., subject to applicable limits.
Chime’s business model is built around everyday financial activity, with revenue generated primarily through payments. This makes the company highly dependent on transaction engagement rather than traditional banking spreads. Its core consumer proposition is centered on fee-light, mobile-first financial services: spending accounts, debit cards, early direct-deposit access, peer-to-peer payments, fee-free overdraft through SpotMe, and credit-building products such as the Chime Credit Builder and the Chime Card. The company has also expanded into short-term liquidity and workplace-oriented solutions, including MyPay, which gives eligible members early access to earned pay and certain benefits; Chime Plus, a premium membership tier launched in 2025; Chime Workplace, an employee financial wellness suite; and Chime Prime, introduced in 2026 with enhanced rewards and savings features for qualifying members.
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From a competitive perspective, Chime has established itself as one of the leading U.S. consumer neo-banking platforms. Its franchise is built on a simple value proposition: help members bank without punitive fees, improve cash flow access, and support credit building. Chime’s differentiation comes from its product design, strong direct-deposit attachment, frequent member engagement, and growing use of proprietary infrastructure. Management has highlighted ChimeCore, its in-house payments processor and ledger, as a structural technology advantage that improves speed of product delivery and lowers servicing costs. The company also emphasizes broad customer reach in a still-underpenetrated U.S. market, which supports its long-term growth narrative.
Recent milestones are significant. Chime completed its IPO in June 2025 and began trading on the NASDAQ under CHYM. In its latest annual report, the company said it generated approximately $2.2 billion in 2025 revenue, up 31% year over year, and ended the year with 9.5 million active members. Management also pointed to the rollout of ChimeCore, the expansion of MyPay, and the launch of new products in 2025 and 2026 as evidence that the platform is moving beyond basic banking into a broader financial ecosystem spanning payments, credit, savings, and short-term liquidity.
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