Chime Financial, Inc. (CHYM) Hit a 52 Week High, Can the Run Continue?

Have you been paying attention to shares of Chime Financial, Inc. (CHYM)? Shares have been on the move with the stock up 44.4% over the past month. The stock hit a new 52-week high of $34.16 in the previous session. Chime Financial, Inc. has gained 31.9% since the start of the year compared to the 7.9% gain for the Zacks Finance sector and the -6.4% return for the Zacks Financial - Miscellaneous Services industry.

What's Driving the Outperformance?

The stock has an impressive record of positive earnings surprises, as it hasn't missed our earnings consensus estimate in any of the last four quarters. In its last earnings report on August 5, 2026, Chime Financial, Inc. reported EPS of $0.07 versus consensus estimate of -$0.01.

For the current fiscal year, Chime Financial, Inc. is expected to post earnings of $0.41 per share on $2.74 in revenues. This represents a 109.6% change in EPS on a 25.33% change in revenues. For the next fiscal year, the company is expected to earn $0.92 per share on $3.28 in revenues. This represents a year-over-year change of 123.03% and 19.77%, respectively.

Valuation Metrics

Chime Financial, Inc. may be at a 52-week high right now, but what might the future hold for the stock? A key aspect of this question is taking a look at valuation metrics in order to determine if the company is due for a pullback from this level.

On this front, we can look at the Zacks Style Scores, as these give investors a variety of ways to comb through stocks (beyond looking at the Zacks Rank of a security). These styles are represented by grades running from A to F in the categories of Value, Growth, and Momentum, while there is a combined VGM Score as well. The idea behind the style scores is to help investors pick the most appropriate Zacks Rank stocks based on their individual investment style.

Chime Financial, Inc. has a Value Score of F. The stock's Growth and Momentum Scores are A and B, respectively, giving the company a VGM Score of B.

In terms of its value breakdown, the stock currently trades at 80.8X current fiscal year EPS estimates, which is a premium to the peer industry average of 11.5X. This isn't enough to put the company in the top echelon of all stocks we cover from a value perspective.

Zacks Rank

We also need to consider the stock's Zacks Rank, as this supersedes any trend on the style score front. Fortunately, Chime Financial, Inc. currently has a Zacks Rank of #2 (Buy) thanks to favorable earnings estimate revisions from covering analysts.

Since we recommend that investors select stocks carrying Zacks Rank of 1 (Strong Buy) or 2 (Buy) and Style Scores of A or B, it looks as if Chime Financial, Inc. meets the list of requirements. Thus, it seems as though Chime Financial, Inc. shares could have a bit more room to run in the near term.

How Does CHYM Stack Up to the Competition?

Shares of CHYM have been soaring, and the company still appears to be a decent choice, but what about the rest of the industry? One industry peer that looks good is Webull Corporation (BULL). BULL has a Zacks Rank of #2 (Buy) and a Value Score of D, a Growth Score of A, and a Momentum Score of A.

Earnings were strong last quarter. Webull Corporation beat our consensus estimate by 133.33%, and for the current fiscal year, BULL is expected to post earnings of $0.24 per share on revenue of $783.44 million.

Shares of Webull Corporation have gained 32.7% over the past month, and currently trade at a forward P/E of 39.87X and a P/CF of 112.81X.

The Financial - Miscellaneous Services industry may rank in the bottom 62% of all the industries we have in our universe, but there still looks like there are some nice tailwinds for CHYM and BULL, even beyond their own solid fundamental situation.

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This article originally published on Zacks Investment Research (zacks.com).

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