Chime stock (CHYM) 2026: Revenue, valuation, and how to invest

What does Chime do?

Founded in San Francisco in 2012 by Chris Britt and Ryan King, Chime is a fintech (financial technology) company that aims to provide banking services that are “helpful, easy and free”. Importantly, Chime is not a bank itself. Its app connects customers with regulated US partner banks, The Bancorp Bank and Stride Bank, which provide FDIC-insured (Federal Deposit Insurance Corporation) accounts, usually at lower cost than traditional US banks.

You will sometimes see Chime referred to as a neobank or challenger bank. Instead of charging overdraft fees, monthly service fees or minimum balance requirements, Chime earns most of its revenue from interchange, a portion of the fees merchants pay when members use their Chime debit card. It has also grown platform revenue through products such as MyPay (early access to wages), which originated $4.5 billion in the second quarter of 2026.

The Chime app currently offers a checking account, a high-yield savings account, a secured credit-builder card, MyPay, Instant Loans, Chime Invest (commission-free stocks and ETFs) and Chime Prime, a membership tier for members with qualifying direct deposits. According to Chime, Prime members generate more than double the average revenue per active member.

Chime key company facts

Chime company statistics

Below is a breakdown of some key figures, including Chime’s revenue, valuation and number of active members. Since the IPO, Chime publishes audited figures every quarter.

Revenue for Chime

In the second quarter of 2026, revenue reached $669.8 million (+27%), with adjusted EBITDA (earnings before interest, taxes, depreciation and amortisation) of $101.6 million. Chime expects adjusted EBITDA of $465 million to $475 million for the full year, and its first full year of GAAP net income.

Number of Chime active members

Chime added about 1.7 million active members in the 12 months to June 2026, and average revenue per active member rose 6% to $260.

Estimated Chime valuation

Chime’s competitors

Chime competes with both traditional US banks and a growing field of fintech challengers. Here are some of its most notable competitors:

• SoFi Technologies (NASDAQ: SOFI): the closest US-listed peer, offering digital banking alongside lending and investing products.
• Cash App (part of Block, NYSE: XYZ): a major neobank-style competitor with a strong presence among Chime’s core customers.
• Dave (NASDAQ: DAVE): a US neobank focused on cash advances.
• Varo Bank: the first US neobank to obtain a national bank charter, competing directly with Chime.
• Current: a US fintech offering banking services to younger and lower-income customers.
• Robinhood Banking: Robinhood’s expansion into banking for its Gold members.
• Capital One 360: the online banking offering of a large traditional US bank.
• Discover Bank: an online-first US bank with no fees on most products, now part of Capital One after its acquisition in 2025.
• Ally Bank: one of the largest US online-only banks, popular for high-yield savings.
• Axos Financial: a US digital bank serving both retail and business customers.

Fintechs such as Revolut, N26, Monzo and Wise are sometimes listed as Chime competitors, but they don’t operate as full-service consumer banks in the US, so the overlap is limited.

Who is Chime backed by?

Before going public in June 2025, Chime raised several billion dollars in venture capital. Major pre-IPO backers, per Crunchbase, included:

• DST Global
• Sequoia Capital
• SoftBank Vision Fund
• General Atlantic
• Tiger Global Management
• Coatue Management
• Dragoneer Investment Group
• Whale Rock Capital Management
• ICONIQ Capital
• Crosslink Capital

Following the IPO, Chime’s shares are held by a mix of institutional, insider and retail investors. The co-founders hold Class B shares with extra voting rights. Chime has also been buying back its own shares: it repurchased $222 million of stock in the first half of 2026, according to its Q2 2026 results.

How to invest and buy shares of Chime

Since Chime began trading on 12 June 2025, you can buy CHYM shares through any broker offering access to NASDAQ. Interactive Brokers and eToro are two top-rated brokers where you can buy Chime stock with low fees. Take a look at both these brokerage options below:

#1 Interactive Brokers

Founded in 1978, NASDAQ-listed and a member of the S&P 500 since August 2025, Interactive Brokers (IBKR) has more than 5.5 million client accounts and gives you access to 170 markets in 40 countries, with stocks, bonds, ETFs, forex, funds, options, futures and more. US stocks such as CHYM cost $0.005 per share on the Fixed plan (minimum $1), and currency conversion costs only 0.002% (minimum $2).

To buy Chime stock (CHYM) through Interactive Brokers:

1. Open a trading account with Interactive Brokers and complete the verification process.
2. Deposit funds into your account.
3. Search for the ticker CHYM on NASDAQ in the platform’s instrument finder.
4. Choose your order type (market, limit, stop, etc.) and the number of shares you want to buy.
5. Submit the order and continue to monitor your position over time.

If you’d like to learn more about the IBKR platform, check out our full-length Interactive Brokers review.

#2 eToro

eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Founded in 2007 in Israel and listed on NASDAQ since May 2025, eToro has more than 40 million registered users and 4.28 million funded accounts. It is known for its social and copy trading feature (CopyTrader) and its thematic Smart Portfolios. US stocks such as CHYM cost $1 per trade, ETFs have no commission and the minimum first deposit is $50.

To buy Chime stock (CHYM) through eToro:

1. Open an account with eToro (55% of retail CFD accounts lose money.).
2. Head to the ‘Markets’ page and select ‘Stocks’.
3. Search for CHYM and select ‘Trade’.
4. Click ‘BUY’.
5. Choose how much you want to invest in Chime, either as a dollar amount or as the number of shares.
6. Ensure leverage is set to X1 if you want to hold the actual stock (rather than a CFD).
7. Optionally set take-profit and stop-loss levels.
8. Click ‘Open Trade’.

If you’d like to learn more about eToro, check out our in-depth eToro review.

Bottom line on investing in Chime stock

Chime’s IPO is no longer a future event: the company has been listed on NASDAQ as CHYM since 12 June 2025. The question for investors today is whether the stock makes sense at current prices. At about $30 in October 2026, it trades above its $27 IPO price, after falling as low as about $16 over the past year.

The bull case: Chime had 10.4 million active members in June 2026, up 20% in a year, and revenue grew 27% in the second quarter. It reported GAAP net income in the first two quarters of 2026, raised its full-year guidance to $2.725 to $2.745 billion of revenue, and expects its first full year of GAAP profit. Newer products such as Chime Prime, MyPay and Instant Loans are adding revenue per member.

The bear case: Chime serves mostly lower- and middle-income Americans, so its revenue depends on consumer spending and employment. Most of its revenue still comes from interchange fees, which face regulatory pressure in the US. Lending products such as MyPay and Instant Loans add credit risk, and competition from SoFi, Cash App, Dave and traditional banks is intense. In 2025, Chime still reported a net loss of $1.01 billion, mostly from stock compensation linked to the IPO.

For investors who want exposure to the shift towards mobile-first, low-fee banking in the US, Chime is one of the purest listed options. Compare CHYM with listed peers such as SoFi, Block and Dave, consider position sizing and do your own research before investing. This article is not investment advice.