Should You Buy, Sell or Hold This Financial Tech Stock- CHYM

Acrobull UK Advisory Services Ltd.

October 03			2025
Name	Ticker	Sector/Industry		Market Cap	Risk Factor
Chime, Financials Inc.	CHYM-NASDAQ	Technology		$7.802 Billion	Medium

Chime Financial, Inc. is a financial technology company that offers digital banking and payment solutions designed to enhance consumer financial well-being. Its flagship product, the Chime mobile banking application, provides a range of services including spending management, savings tools, credit-building features, liquidity access, and member benefits. The platform focuses on delivering a secure, user-friendly banking experience while fostering a supportive financial community.

Recent Highlights

CEO Statement- This was a breakout first quarter as a public company for Chime, driven by accelerating year-over-year growth, expanding margins, and continued product execution,” said Chris Britt, CEO and Co-founder of Chime. “These results highlight the strength of their payments-based model, supported by highly recurring revenue and deep member engagement.

Their strong performance has led to higher expectations for the third quarter and the full year of 2025, surpassing previous internal forecasts. Looking ahead, I believe they are well-positioned to achieve their vision of becoming the largest provider of primary account relationships in the U.S

Second Quarter Financial Highlights

Financial Overview

Total Revenue for the period was $528 million, reflecting a 37% growth compared to the previous year.
Payments revenue reached $366 million, showing a solid 19% year-over-year increase.
Platform-related revenue surged by 113%, reaching $162 million, highlighting significant growth in this area.

Profitability Metrics

Gross profit stood at $461 million, resulting in a high gross margin of 87%, indicating strong profitability from core operations.
Transaction profit (non-GAAP) was $363 million, yielding a transaction margin of 69%, demonstrating healthy returns on transaction-related activities.

Net Loss and Expenses

The company recorded a net loss of $923 million, reflecting a net margin of -175%.
The increased net loss was mainly due to $928 million in stock-based compensation and related payroll taxes, which were significantly higher during this period because of the company's initial public offering (IPO).

Adjusted EBITDA

Adjusted EBITDA (non-GAAP) was $16 million, with an adjusted EBITDA margin of 3%. This represents an 18 percentage point improvement in margin compared to the same period two years ago, showing positive progress in operational efficiency.

Stock Observation-With total revenue of $528 million and a 37% year-over-year growth, along with payments revenue reaching $366 million and a 19% increase in this segment, Chime is well-positioned for continued growth in the coming quarters. These strong results underscore the scalability of their payments model, and they expect to sustain momentum as they expand their offerings and deepen member engagement. Looking ahead, they anticipate further revenue growth and continued strength in their payments business as they capitalize on new opportunities and evolving market trends, however market conditions may impact overall stock performance.

Risk Involved- Financial performance of the company may have an impact on the company stock performance.

Considering all the factors and financials of the company Acrobull UK maintains Buy for the stock.

Disclaimer- Though our research is fundamentally and technically based on Acrobull UK only provides general advice on the stocks and it is imperative for the investors to do the risk assessment for themselves before investing as Acrobull UK would not be liable for any loss or profit arising out through the investment made by the investors on our recommendations.

It is also advisable for the investors to consult with Financial Advisor, Broker or to seek any legal assistance as the research conducted by Acrobull UK is factually based and recommendations are given in accordance with that, but it is imperative to understand that Acrobull UK does not guarantee returns.

Acrobull UK Recommendation Based on Evaluation

Current Market Price	$20.99 USD
Acrobull Recommendation	Buy at $20.50 USD
Target Price	Target $23.25 USD
RSI Level	27
Total Shares Outstanding	339.53 Million
Shares Held by Insiders Shares Held by Institutions Risk Factor Stop Loss	11.82% 79.72% Medium 5%