CHYM Stock Forecast & Price Target

Chime Financial Inc has demonstrated a robust growth trajectory with its average revenue per active member (ARPAM) reaching $245 in 3Q25, reflecting a 6% year-over-year increase, indicative of rising member engagement. The company's strong performance in platform-related revenue, attributed to the successful launch of MyPay, led to an impressive 90% growth rate over the past four quarters. Furthermore, Chime's user base has expanded to over 8 million members, growing at a compound annual growth rate (CAGR) of 23% in Q2, underscoring the company's increasing market presence and monetization efforts.

Chime Financial faces significant risks related to its ineffective risk model, which may not adequately respond to macroeconomic changes, thereby potentially leading to increased credit-related losses during economic downturns. Additionally, the company's ambitious growth targets and expectations for incremental EBITDA margins may be undermined by challenges in attracting and retaining active members, as well as enhancing average revenue per active member (ARPAM). Furthermore, potential changes in pricing agreements with card networks and regulatory pressures could further diminish Chime's payments revenue, complicating the company's financial outlook.