Chime Financial (CHYM) Upgraded by Goldman Sachs on Bullish Outlook for New Chime Card Revenue

Core Insights - Chime Financial Inc. has been upgraded to Buy by Goldman Sachs, with a price target increase to $27, reflecting confidence in the company's growth potential despite recent stock performance concerns [1] - The company reported a 29% year-over-year revenue growth in Q3 2025, totaling $543.52 million, alongside an EPS of $0.08, which exceeded estimates by $0.33 [2] - The successful rollout of the new Chime Card, which offers 1.5% cash back, has led to a significant increase in purchase volume, with 80% of new members using the credit side of the card [3] Financial Performance - Chime Financial achieved a total revenue of $543.52 million in Q3 2025, marking a 29% increase compared to the previous year [2] - The company reported an EPS of $0.08, surpassing market expectations by $0.33 [2] Customer Growth - Chime's active member base grew by 21% year-over-year, reaching a total of 9.1 million members [2] - The new Chime Card is expected to further enhance revenue through higher interchange rates as it is rolled out to existing members [3]