Using a Revenue DCF model with operating margin convergence from -47.6% to a target of 23.6% over 5 years, discounted at a WACC of 7.4%, Chime Financial, Inc. Class A Common Stock (CHYM) has an intrinsic value of $9.04 per share (range: $3.07 – $26.10).
Using a Revenue DCF model with operating margin convergence from -47.6% to a target of 23.6% over 5 years, discounted at a WACC of 7.4%, Chime Financial, Inc. Class A Common Stock (CHYM) has an intrinsic value of $4.02 per share (range: $0.89 – $12.74).
Using the industry peer median EV/Revenue multiple (trailing + forward), Chime Financial, Inc. Class A Common Stock (CHYM) has a fair value of $2.96 based on 7 comparable companies in the Banks - Regional industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing EV/Revenue | Forward EV/Revenue | |
|---|---|---|---|
| Chime Financial, Inc. Class A Common StockCHYM | 43,533 | 19.8x | 19.9x |
| Popular, Inc. | 9,684 | 2.5x | 3.7x |
| Old National Bancorp | 9,389 | 4.0x | 7.9x |
| Zions Bancorporation, National Association | 9,226 | 2.2x | 3.4x |
| Cullen/Frost Bankers, Inc. | 8,719 | 1.6x | 2.2x |
| BOK Financial Corporation | 8,049 | 3.3x | 5.4x |
| Commerce Bancshares, Inc. | 7,622 | 4.6x | 5.9x |
| Pinnacle Financial Partners, Inc. | 7,583 | 2.2x | 3.7x |
| Industry Median | 2.5x | 3.7x | |
| (*) Revenue | 2,187 | 2,167 | |
| = Enterprise Value | 5,364 | 7,937 | |
| (-) Net Debt | -332 | -332 | |
| Equity Value | 5,695 | 8,269 | |
| (/) Outstanding shares | 2,363 | 2,363 | |
| Fair Price | $2 | $3 | |
Disclaimer: Sweet Value Lab provides estimated intrinsic values for informational purposes only. This is not financial advice. All models rely on assumptions that may not reflect future performance. Always do your own research before making investment decisions.