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Chime Financial Inc. (CHYM) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$28.53 +2.08% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.58

Chime Financial Inc. (CHYM) carries a Roarable Rating of D- (Sell) with 41/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $10.58B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CHYM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Chime Financial Inc. (NASDAQ: CHYM) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $28.53 (+2.08% 1D, market cap $10.58B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 6/20. Across 1097 tracked Financials issuers, CHYM ranks #893 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CHYM compare to IREN and KLAR in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), CHYM carries a Roarable D- (41/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, IREN (IREN Limited) holds a E grade (33/100 RQD, P/E 122.1x, ROIC 1.2%, cap $9.69B) and KLAR (Klarna Group plc) posts a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $9.39B). Among the 5-stock peer group, ARCC leads on earnings multiple (10.6x) while KLAR leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CHYM?
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Per CHYM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795586), Chime Financial Inc. generated $2.19B in revenue (+30.7% YoY), -$1.01B in net income, and -$45.6M in free cash flow against $1.96B in total assets and $253.3M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $28.58 (+0.18%)🧬 Dilution Drag (+1.64% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (41/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.2% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510041
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D
Cash (7)Whales (10)SEC (11)Macro (7)CEO (6)
Each axis scored 0–20
12M PRICE TARGET CONE-7.6% Base Target
$37 Bull$26 Base$21 Bear
📬 FREE CHYM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CHYM)Realized 20D OHLCV Swing Band: ±7.2%
Deterministic 5-Pillar Attribution (41/100 Composite)
🔍 WHY CHYM SCORES 41/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+11/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▲ #2 Bullish Driver: Whale & Options Positioning+10/20 pts (24% of score)

20D Institutional Volume Accumulation (±7.2% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution6/20 pts (-14 pt drag)

Dilution Drag (+1.64% YoY Shares) & executive Form 4 sales trim 14 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
49
Grade D$29.00+4.7% Next Q
Q2 (-2Q)
46
Grade D$30.37-5.2% Next Q
Q3 (-1Q)
44
Grade D$28.80-0.9% Next Q
Current
41
Grade D-$28.53-7.2% Hist 90D α
Trajectory: D (49) → D- (41)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CHYM Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CHYM currently carries a cautious 41/100 (D-) rating due to Insider Conviction & Share Dilution (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($30.02) and Max Pain ($29.96) forces dealer call-delta covering toward $37.33.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.64% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CHYM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CHYM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 41%NO 59%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CHYM Smart-Money Thermometer: NET EXECUTIVE TRIMMING / PROFIT-TAKING

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CHYM)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CHYM. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CHYM)

  • ✓Walkthrough of CHYM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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CHYM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.21%🛡️ HOLDING TREND SUPPORT
2026-11-03O $28.87H $28.87L $27.95C $28.53VOL 3.65M
RES: $30.58SUP: $27.98SMA50: $30.02SMA200: $23.81
$36.93$31.22$25.52$19.81$14.11RES $30.58SUP $27.98$28.532026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CHYM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CHYM Butterfly Map → + Track CHYM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
15.7%/yr Implied 5Y Growth

vs. +30.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CHYM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CHYM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CHYM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CHYM)

Financials Rank #893 of 1097 ⚔️ IREN vs CHYM Full Matrix →

1. Head-to-Head Financials Peer Comparison (CHYM vs. IREN, KLAR, BMNR, ARCC)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Chime Financial Inc. (CHYM) ranks #893 by composite RQD confidence (41/100, grade D-) and #180 by equity capitalization ($10.58B). Within this direct 5-issuer industry benchmark cohort, ARCC leads on earnings valuation at 10.6x trailing P/E, while KLAR leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. KLAR currently holds the highest overall quantitative score in the immediate peer group at 52/100 (D+) compared with CHYM at 41/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CHYM ACTIVE
Chime Financial Inc.
D- 41/100 — — -35.0% +2.08% $10.58B Benchmark Subject
IREN
IREN Limited
E 33/100 122.1x — 1.2% -8.06% $9.69B /iren-vs-chym →
KLAR
Klarna Group plc
D+ 52/100 32.8x — 9.9% +0.60% $9.39B /klar-vs-chym →
BMNR
BitMine Immersion Technologies Inc.
D- 40/100 37.5x — 3.4% -3.17% $12.17B /bmnr-vs-chym →
ARCC
Ares Capital Corporation
D 50/100 10.6x — 6.0% +1.62% $13.80B /arcc-vs-chym →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001795586 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Chime Financial Inc. (CHYM) reported GAAP revenue of $2.19B (+30.7% vs. FY2024 revenue of $1.67B , and +71.0% cumulative change since FY2023) , GAAP net income of -$1.01B, operating cash flow of $52.8M, and free cash flow of -$45.6M (-308.9% YoY). On the balance sheet, CHYM closed FY2025 with $1.96B in total assets against $253.3M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.19B -$1.01B $52.8M -$45.6M $1.96B $253.3M
FY2024 (FY) 2024-12-31 $1.67B -$25.3M $64.1M -$11.2M $1.46B $225.7M
FY2023 (FY) 2023-12-31 $1.28B -$203.2M -$156.6M -$214.1M $6.01B $1.41B

3. CHYM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CHYM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Chime Financial Inc. (NASDAQ: CHYM) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $28.53 (+2.08% 1D, market cap $10.58B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 6/20. Across 1097 tracked Financials issuers, CHYM ranks #893 in composite RQD confidence.

How does CHYM compare to IREN and KLAR in the Financials sector?

Within the Financials sector (Finance: Consumer Services), CHYM carries a Roarable D- (41/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, IREN (IREN Limited) holds a E grade (33/100 RQD, P/E 122.1x, ROIC 1.2%, cap $9.69B) and KLAR (Klarna Group plc) posts a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $9.39B). Among the 5-stock peer group, ARCC leads on earnings multiple (10.6x) while KLAR leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CHYM?

Per CHYM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795586), Chime Financial Inc. generated $2.19B in revenue (+30.7% YoY), -$1.01B in net income, and -$45.6M in free cash flow against $1.96B in total assets and $253.3M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CHYM trading relative to its 50-day, 200-day, and 52-week technical levels?

CHYM last traded at $28.53 (+2.08% on volume of 3,424,185 shares), positioning the stock -4.96% below its 50-day simple moving average ($30.02) and +19.82% above its 200-day simple moving average ($23.81). Across its 52-week range of $15.88 to $35.55, CHYM sits at the 64.3% percentile with a 14-day RSI of 42.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.2% ($26.48 to $30.58).

Direct Sub-Reports: CHYM RQD Cockpit CHYM 12M Forecast CHYM Earnings & Move CHYM Dividends & DRIP CHYM Insiders & 13F CHYM Whale Options CHYM Profit Sankey CHYM News & Why
ROARABLE RATING BRIEF • RQD 41/100 (D-) ✓ SEC XBRL & RQD VERIFIED

CHYM — Chime Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Chime Financial Inc. (CHYM) earns a live Roarable RQD composite score of 41/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $28.53 (+2.08% 1D, market capitalization $10.58B).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of —, operating margin of -47.6%, and free cash flow yield of -0.42%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (6/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (11/20): Incorporates a 0.91x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Chime Financial Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. — for detailed product lines, customer segments, or revenue model descriptions; the profile section provides only sector, industry, exchange, and market capitalization. The company's reported revenue of $2.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Chime Financial Inc. (CHYM) reported $2.19B in annual revenue (up from $1.67B in FY2024, +30.7% YoY) and -$1.01B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.28B revenue, -$203.2M net income) through FY2025, CHYM scaled operating cash flow to $52.8M and free cash flow to -$45.6M, backed by $1.96B in total assets against $253.3M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 41/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -0.42% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $15.88 – $35.55 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -47.6% operating margins and a 0.91x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be mapped from the source data. — for ripple analysis beyond the sector and industry classification. An investor should note that the absence of mapped links means the rating's signal layer cannot identify contagion pathways.

  • Key Question #1: Can CHYM sustain or expand its -47.6% operating margin and -35.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.19B and free cash flow of -$45.6M, how will capital allocation balance growth reinvestment against $253.3M in total debt?
  • Key Question #3: How sensitive is CHYM's 22.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.91x)?

CHYM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Chime Financial Inc. (CHYM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CHYM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CHYM Bull vs. Bear Conversation Board — What's Your Call at $28.53?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CHYM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CHYM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $34.38 (+23.0%)
📌 Pinned Debate

Revenue grew from $1.28B in FY 2023 to $2.19B in FY 2025 while reported debt fell from $1.41B to $253.3M, and the forward P/E of

The street is overcomplicating Chime Financial Inc. (CHYM). Revenue grew from $1.28B in FY 2023 to $2.19B in FY 2025 while reported debt fell from $1.41B to $253.3M, and the forward P/E of 22 implies expected earnings improvement.. With an RQD score of 41/100 (D-) and Forensic Balance Sheet at 11/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $30.19.

CapAlloc_Nerd 🐂 BULL

@ForensicBear Fair point on 22.0x forward P/E, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $21.80 (-22.0%)
Spot @ $27.95

Operating income of -$1.04B in FY 2025, ROIC of -35%, and FCF yield of -0.42% show the business is not yet generating cash from its o

Sitting on the sidelines or leaning short CHYM above $27.95. Operating income of -$1.04B in FY 2025, ROIC of -35%, and FCF yield of -0.42% show the business is not yet generating cash from its operations.. Until Fundamental Cash Engine (7/20) and FCF yield (-0.42%) inflect higher, upside is capped near $35.55.

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