Chime Financial, Inc. (NASDAQ:CHYM) is set to see its lock-up period expire on December 9, 2025. This follows the company’s public offering of 32 million shares on June 12, 2025, which raised a total of $864 million based on an initial share price of $27.00. Once the lock-up period concludes, major shareholders and insiders will have the opportunity to sell their shares, potentially impacting the stock’s liquidity and market dynamics.
Analyst Ratings Show Mixed Sentiment
Recent analyst evaluations provide a varied outlook for Chime Financial’s stock. The Goldman Sachs Group upgraded its rating from “neutral” to “buy” while increasing the price target from $26.00 to $27.00 in a report released on December 1, 2025. In another notable shift, Arete Research elevated its rating to “strong-buy” on September 30, 2025. Conversely, Weiss Ratings maintained a “sell (d-)” rating as of October 8, 2025.
Other analysts have varied positions as well. William Blair reaffirmed an “outperform” rating on September 30, 2025, while Jefferies Financial Group initiated coverage on November 3, 2025, assigning a “hold” rating with a target price of $17.00. In total, two analysts assigned a “strong buy” rating, eleven gave a “buy” rating, four rated it as “hold,” and one issued a “sell” rating. According to data from MarketBeat.com, the average rating currently stands at “Moderate Buy” with a target price of $32.07.
Recent Financial Performance and Institutional Activity
Chime Financial recently announced its earnings results on November 5, 2025. The company reported an earnings per share (EPS) of ($0.15), surpassing the consensus estimate of ($0.25) by $0.10. Revenue for the quarter reached $543.52 million, reflecting a year-over-year increase of 28.8%. This growth is significant compared to the same quarter last year, when the firm reported an EPS of ($0.34).
Institutional investors have shown interest in Chime Financial as well. During the second quarter of 2025, several hedge funds acquired new stakes in the company. Notably, EverSource Wealth Advisors LLC purchased shares valued at approximately $33,000, while Scopus Asset Management L.P. invested about $34,000. Other firms, including Daiwa Securities Group Inc. and Osaic Holdings Inc., also made significant acquisitions in the same quarter, with investments ranging from $40,000 to $45,000. In the third quarter, Farther Finance Advisors LLC entered the market with a position valued at around $50,000.
Chime Financial operates as a financial technology company, collaborating with federally regulated and FDIC-insured banks such as The Bancorp Bank, N.A. and Stride Bank, N.A. The company aims to simplify access to basic financial services while eliminating common fees, such as overdraft, monthly service fees, and minimum balance requirements.
As the lock-up period draws to a close, the market will closely monitor the actions of Chime Financial’s major shareholders and the potential implications for its stock performance.
