Chime Stock Price Prediction
Featuring current fundamentals, annual stock price predictions (2025–2040), expansion drivers, and a projection table, this article on Chime (CHYM) refines:
📊 June 2025: Current Fundamentals
With a market capital value of roughly $12.5 billion (capital.com, simplywall.st) based on its first day of trading, Chime Financial Inc. (CHYM) is valued $11.6 billion post-IPO.
| Metric | Value |
|---|---|
| Market Cap | $12.5 billion |
| P/E Ratio (TTM) | N/A (loss-making) |
| Return on Equity | N/A |
| Price-to-Book (P/B) | ~12.8× |
With revenues of ~$1.8 billion in TTM and a meagre net loss of ~$28,000 (barrons.com, nasdaqprivatemarket.com, simplywall.st), Chime is trending at ~$34.45 per share.
✉ Yearly Chime Stock Price Forecasts
📈 Chime Stock Price Prediction 2025
Chime finishes integration of its IPO funds in 2025, investing in MyPay, SpotMe, and free tax filing services—boosting user growth from 8.6 million towards 10 million, increasing revenue and improving profitability.
Goal: $45
📈 Chime Stock Price Prediction 2026
Chime launches secured credit cards and high-yield savings accounts by 2026, broadening fee-based income. Its interchange-based approach gains from higher card use and regulatory tailwinds.
Target: $60
📈 Chime Stock Price Projection 2027
Chime enters related services by launching small-dollar loans and fintech alliances. A mobile-only, asset-light infrastructure lowers running costs, improving margins.
Goal: $75
📈 Chime Stock Price Prediction 2028
Chime travels worldwide in 2028, landing in Canada, UK, and Europe. It brings AI-based financial wellness tools and robo-savings, boosting engagement and product cross-sell.
Target: $95
📈 Chime Stock Price Prediction 2029
Chime moves into insurance distribution, credit reporting improvements, and personal finance systems. Reflecting tech multiples, its valuation exceeds 10× forward earnings.
Aim: $120
📈 Chime Stock Price Prediction 2030
Launching embedded banking for SMBs, Chime powers payroll, invoicing, and payroll advances for gig workers. Fintech-as-a-service begins forming a long-term income pillar.
Goal: $150
📈 Chime Stock Price Prediction 2031
Chime offers embedded financing, savings, and payroll advances—growing usage and consistent income—by partnering with healthcare and educational systems.
Target: $180
📈 Chime Stock Price Prediction 2032
Chime draws a younger user base and raises average income per user by adding crypto-custody, tokenised savings, and fractional investing by 2032.
Target: $220
📈 Chime Stock Price Prediction 2033
Chime becomes a digital financial super-app providing banking, lending, investing, insurance, and payments on one platform. Valuation is driven by scale and monetising strategies.
Target: $280
📈 Chime Stock Price Prediction 2034
It gets a charter and full-stack bank licence in 2034, reducing reliance on outside partner banks. AI-driven underwriting powers improved loss control in credit products it launches.
Target: $350
📈 Chime Stock Price Prediction 2035
Chime brings B2B2C banking-as-a-service into developing nations. Interchange, subscription, loans, and business services all start to balance out evenly.
Goal: $440
📈 Chime Stock Price Prediction 2036
By 2036, Chime introduces carbon-conscious products (green loans, rewards for sustainable behaviour) and ESG reporting tools, acquiring market share among environmentally conscious consumers.
Target: $560
📈 Chime Stock Price Prediction 2037
Chime thrives on open banking, data analytics tools sold to outside companies, and AI-powered financial coaching bots. Platform monetisation deepens.
Target: $700
📈 Chime Stock Price Prediction 2038
By 2038, Chime grows into IoT-connected financing—pay-as-you-go services linked to housing, transportation, and utilities. Ecosystem effects increase stickiness.
Target: $900
📈 Chime Stock Price Prediction 2039
Forming a global digital bank alliance, Chime launches localised platforms in Asia and Latin America, expanding its user base to 50 million and increasing valuation scale.
Target: $1,150
📈 Chime Stock Price Prediction 2040
Chime becomes a fully diversified digital financial infrastructure provider by 2040—offering core banking, embedded finance, fintech infrastructure, and platform licensing globally.
Target: $1,400
📋 Summary Table: Chime Stock Price Prediction (2025–2040)
| Year | Target ($) |
|---|---|
| 2025 | 45 |
| 2026 | 60 |
| 2027 | 75 |
| 2028 | 95 |
| 2029 | 120 |
| 2030 | 150 |
| 2031 | 180 |
| 2032 | 220 |
| 2033 | 280 |
| 2034 | 350 |
| 2035 | 440 |
| 2036 | 560 |
| 2037 | 700 |
| 2038 | 900 |
| 2039 | 1,150 |
| 2040 | 1,400 |
👍 Growth Motives
- Loans, credit, taxes, investing, insurance
- Geographic scaling: UK, Canada, EU, LATAM, Asia
- Platform infrastructure: embedded, B2B2C products
- AI / data monetisation: Underwriting, financial wellness
- Regulatory milestone: Charter, bank licence
- ESG and worldwide alliance: carbon-conscious products, alliance scale
⚠️ Risks & Thoughts
- Regulatory changes on interchange and open banking rules
- Credit risk from unsecured lending expansion
- Heavy competition from legacy banks adopting mobile-first tech
- Execution difficulties in rapid worldwide scaling and licencing
📚 Final Thought
Strong user and financial momentum are reflected in Chime’s IPO at ~$27 and current price of ~$34.45. With fintech service expansion, licensing, and embedded banking under disciplined execution, Chime could become a financial infrastructure titan by 2040—supporting a share price increase to ~$1,400. That said, major risks remain: geopolitics, regulation, credit quality, and competitiveness.
Disclosure: This perspective is indicative and not financial advice. Investors should do personal due diligence and get professional guidance.