Patient Capital Initiates New Position in Chime Financial
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 day ago
0mins
Should l Buy CHYM?
Source: Fool
- New Investment Insight: According to an SEC filing dated February 13, 2026, Patient Capital Management initiated a new position in Chime Financial by acquiring approximately 2,035,112 shares during Q4 2025, with an estimated transaction value of $51.22 million, reflecting confidence in the company's growth potential.
- Holding Proportion Analysis: This new position accounts for 1.98% of Patient Capital's reportable AUM, indicating the fund's strategic emphasis on Chime within its diversified portfolio, which may attract further investor interest.
- Financial Performance Overview: As of February 13, 2026, Chime Financial boasts a market capitalization of $7.38 billion and trailing twelve-month revenue of $1.67 billion, despite a net income loss of $25.34 million, its 29% year-over-year sales growth underscores strong market demand.
- Growth and Risk: Chime's technology and development expenses surged to $823 million in the first nine months of 2025, resulting in a $986 million operating loss, leading risk-averse investors to potentially adopt a wait-and-see approach until the company can demonstrate improved profitability.
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Analyst Views on CHYM
Wall Street analysts forecast CHYM stock price to rise
12 Analyst Rating
10 Buy
2 Hold
0 Sell
Strong Buy
Current: 19.340
Low
19.00
Averages
32.55
High
40.00
Current: 19.340
Low
19.00
Averages
32.55
High
40.00
About CHYM
Chime Financial, Inc. is a consumer financial technology company. The Company offers everyday Americans access to a range of products with banking services provided by its Federal Deposit Insurance Corporation (FDIC) insured bank partners. Through its platform, its members access FDIC-insured checking accounts and linked debit cards, secured credit cards, and other mobile banking features that allow them to manage their money and pay for their everyday expenses. Its liquidity products offered through its platform are designed to provide its eligible members with access to short-term liquidity when they need it for free. These products include SpotMe, which is a fee-free overdraft protection product, and MyPay, which allows its members to access up to $500 of their pay on demand before payday. It offers access to full-featured, FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Ranger Investment Management Acquires Chime Shares
- New Investment Disclosure: Ranger Investment Management disclosed the acquisition of 591,255 shares of Chime in Q4 2026, valued at approximately $14.88 million, indicating confidence in the digital banking platform.
- Holding Proportion Analysis: This acquisition positions Chime at 1.02% of Ranger's AUM, which, while not in the top five holdings, still reflects a significant interest in the company.
- Financial Performance Highlights: Chime generated $544 million in Q3 revenue, a 29% year-over-year increase, with a gross profit of $474 million and an impressive 87% gross margin, underscoring the sustainability of its business model.
- Market Outlook: Despite Chime's shares trading 27% below their IPO price, management anticipates full-year revenue of up to $2.173 billion and adjusted EBITDA of as much as $118 million, indicating strong future growth potential.
See More
Patient Capital Initiates New Position in Chime Financial
- New Investment Insight: According to an SEC filing dated February 13, 2026, Patient Capital Management initiated a new position in Chime Financial by acquiring approximately 2,035,112 shares during Q4 2025, with an estimated transaction value of $51.22 million, reflecting confidence in the company's growth potential.
- Holding Proportion Analysis: This new position accounts for 1.98% of Patient Capital's reportable AUM, indicating the fund's strategic emphasis on Chime within its diversified portfolio, which may attract further investor interest.
- Financial Performance Overview: As of February 13, 2026, Chime Financial boasts a market capitalization of $7.38 billion and trailing twelve-month revenue of $1.67 billion, despite a net income loss of $25.34 million, its 29% year-over-year sales growth underscores strong market demand.
- Growth and Risk: Chime's technology and development expenses surged to $823 million in the first nine months of 2025, resulting in a $986 million operating loss, leading risk-averse investors to potentially adopt a wait-and-see approach until the company can demonstrate improved profitability.
See More
Ranger Investment Management Acquires New Position in Chime Financial
- New Position: On February 13, 2026, Ranger Investment Management disclosed a new position in Chime Financial by acquiring 591,255 shares valued at approximately $14.88 million, indicating confidence in the company's future prospects.
- Asset Allocation: This position accounts for 1.02% of Ranger's 13F reportable assets as of December 31, 2025, highlighting the fund's strategic focus on the digital banking sector.
- Market Performance: As of February 13, 2026, Chime Financial's shares were priced at $19.69, down about 27% from their $27 IPO price, reflecting market caution regarding the company's growth trajectory.
- Financial Metrics: Chime generated $544 million in revenue in the third quarter, a 29% year-over-year increase, with adjusted EBITDA of $29 million, showcasing potential in profitability and user growth despite ongoing net losses.
See More
Napean Trading Reduces Stake in Chime Financial
- Share Reduction Transaction: On February 13, 2026, Singapore-based Napean Trading & Investment sold 449,981 shares of Chime Financial, with an estimated trade value of $9.56 million, indicating a weakening confidence in the company.
- Stake Proportion Decline: Following this sale, Chime Financial now accounts for only 0.06% of Napean's portfolio, a significant drop from the previous 1.8%, suggesting a reduced focus from investors on this fintech.
- Financial Performance Analysis: Despite Chime Financial's third-quarter revenue rising 29% year-over-year to $543.5 million and maintaining an 87% gross margin, the net loss of $54.7 million highlights that scale has not yet translated into GAAP profitability.
- Market Performance Review: As of February 13, 2026, Chime Financial's shares traded at $19.69, approximately 27% below its $27 IPO price, reflecting market concerns regarding its long-term profitability potential.
See More
MrBeast's Financial Platform Could Shift Youth Investment Trends
- Shift in Youth Financial Preferences: Thomas Lee, Chairman of BitMine Immersion, highlighted that MrBeast's entry into finance could significantly alter the financial preferences of younger generations, particularly Gen Z and Gen Alpha, who together represent about 120 million people in the U.S., indicating substantial market potential.
- Wealth Transfer Expectations: Lee noted that while these young customers are not wealthy today, a significant wealth transfer of trillions is anticipated in the coming decades, providing long-term growth opportunities for MrBeast's financial platform.
- MrBeast's Influence: With 330 million subscribers, Lee described MrBeast as one of the most impactful entertainment brands globally, and the integration of cryptocurrency into his financial services platform is expected to attract a large number of young users, further solidifying his market position.
- Strategic Partnership with Step: MrBeast's investment in Step allows BitMine to align with Step, focusing on Gen Z and Gen Alpha consumers while leveraging the rise of a
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Brown University Invests in Chime Financial
- Investment Scale: Brown University acquired 102,805 shares of Chime Financial, valued at approximately $2.59 million, reflecting confidence in the fintech platform's appeal, particularly among younger demographics.
- Target Market: Chime focuses on U.S. consumers earning under $100,000, offering low-cost mobile banking services that particularly attract college students, aligning perfectly with Brown University's investment strategy.
- Investment Background: This investment is part of Brown University's long-term endowment portfolio, aimed at supporting various institutional needs such as faculty salaries and scholarships, highlighting the university's active participation in financial markets.
- Market Outlook: Although Chime currently reports negative net income, this is common for newly public fintech firms, providing investors with an opportunity to enter early and potentially benefit from future stock price recovery.
See More
Ranger Investment Management Acquires Chime Shares
- New Investment Disclosure: Ranger Investment Management disclosed the acquisition of 591,255 shares of Chime in Q4 2026, valued at approximately $14.88 million, indicating confidence in the digital banking platform.
- Holding Proportion Analysis: This acquisition positions Chime at 1.02% of Ranger's AUM, which, while not in the top five holdings, still reflects a significant interest in the company.
- Financial Performance Highlights: Chime generated $544 million in Q3 revenue, a 29% year-over-year increase, with a gross profit of $474 million and an impressive 87% gross margin, underscoring the sustainability of its business model.
- Market Outlook: Despite Chime's shares trading 27% below their IPO price, management anticipates full-year revenue of up to $2.173 billion and adjusted EBITDA of as much as $118 million, indicating strong future growth potential.
See More
Patient Capital Initiates New Position in Chime Financial
- New Investment Insight: According to an SEC filing dated February 13, 2026, Patient Capital Management initiated a new position in Chime Financial by acquiring approximately 2,035,112 shares during Q4 2025, with an estimated transaction value of $51.22 million, reflecting confidence in the company's growth potential.
- Holding Proportion Analysis: This new position accounts for 1.98% of Patient Capital's reportable AUM, indicating the fund's strategic emphasis on Chime within its diversified portfolio, which may attract further investor interest.
- Financial Performance Overview: As of February 13, 2026, Chime Financial boasts a market capitalization of $7.38 billion and trailing twelve-month revenue of $1.67 billion, despite a net income loss of $25.34 million, its 29% year-over-year sales growth underscores strong market demand.
- Growth and Risk: Chime's technology and development expenses surged to $823 million in the first nine months of 2025, resulting in a $986 million operating loss, leading risk-averse investors to potentially adopt a wait-and-see approach until the company can demonstrate improved profitability.
See More
Ranger Investment Management Acquires New Position in Chime Financial
- New Position: On February 13, 2026, Ranger Investment Management disclosed a new position in Chime Financial by acquiring 591,255 shares valued at approximately $14.88 million, indicating confidence in the company's future prospects.
- Asset Allocation: This position accounts for 1.02% of Ranger's 13F reportable assets as of December 31, 2025, highlighting the fund's strategic focus on the digital banking sector.
- Market Performance: As of February 13, 2026, Chime Financial's shares were priced at $19.69, down about 27% from their $27 IPO price, reflecting market caution regarding the company's growth trajectory.
- Financial Metrics: Chime generated $544 million in revenue in the third quarter, a 29% year-over-year increase, with adjusted EBITDA of $29 million, showcasing potential in profitability and user growth despite ongoing net losses.
See More
Napean Trading Reduces Stake in Chime Financial
- Share Reduction Transaction: On February 13, 2026, Singapore-based Napean Trading & Investment sold 449,981 shares of Chime Financial, with an estimated trade value of $9.56 million, indicating a weakening confidence in the company.
- Stake Proportion Decline: Following this sale, Chime Financial now accounts for only 0.06% of Napean's portfolio, a significant drop from the previous 1.8%, suggesting a reduced focus from investors on this fintech.
- Financial Performance Analysis: Despite Chime Financial's third-quarter revenue rising 29% year-over-year to $543.5 million and maintaining an 87% gross margin, the net loss of $54.7 million highlights that scale has not yet translated into GAAP profitability.
- Market Performance Review: As of February 13, 2026, Chime Financial's shares traded at $19.69, approximately 27% below its $27 IPO price, reflecting market concerns regarding its long-term profitability potential.
See More
MrBeast's Financial Platform Could Shift Youth Investment Trends
- Shift in Youth Financial Preferences: Thomas Lee, Chairman of BitMine Immersion, highlighted that MrBeast's entry into finance could significantly alter the financial preferences of younger generations, particularly Gen Z and Gen Alpha, who together represent about 120 million people in the U.S., indicating substantial market potential.
- Wealth Transfer Expectations: Lee noted that while these young customers are not wealthy today, a significant wealth transfer of trillions is anticipated in the coming decades, providing long-term growth opportunities for MrBeast's financial platform.
- MrBeast's Influence: With 330 million subscribers, Lee described MrBeast as one of the most impactful entertainment brands globally, and the integration of cryptocurrency into his financial services platform is expected to attract a large number of young users, further solidifying his market position.
- Strategic Partnership with Step: MrBeast's investment in Step allows BitMine to align with Step, focusing on Gen Z and Gen Alpha consumers while leveraging the rise of a
See More
Brown University Invests in Chime Financial
- Investment Scale: Brown University acquired 102,805 shares of Chime Financial, valued at approximately $2.59 million, reflecting confidence in the fintech platform's appeal, particularly among younger demographics.
- Target Market: Chime focuses on U.S. consumers earning under $100,000, offering low-cost mobile banking services that particularly attract college students, aligning perfectly with Brown University's investment strategy.
- Investment Background: This investment is part of Brown University's long-term endowment portfolio, aimed at supporting various institutional needs such as faculty salaries and scholarships, highlighting the university's active participation in financial markets.
- Market Outlook: Although Chime currently reports negative net income, this is common for newly public fintech firms, providing investors with an opportunity to enter early and potentially benefit from future stock price recovery.
See More
