Core Insights - Chime Financial Inc. (NASDAQ:CHYM) is recognized as a promising young stock with significant upside potential [1] - Keefe Bruyette analyst Sanjay Sakhrani has reduced the price target for Chime from $42 to $35 while maintaining an Outperform rating ahead of the Q3 2025 earnings report [1][2] - Morgan Stanley's James Faucette has maintained a Buy rating with a price target of $40, indicating confidence in Chime's resilience against recent regulatory changes affecting debit interchange fees [2] Company Overview - Chime Financial Inc. is a financial technology company that specializes in digital consumer banking and payment solutions [3] - The company is positioned to benefit from a business model that is less impacted by regulatory changes affecting larger banks, as its partners are smaller institutions [2] Market Context - The recent court ruling vacating the Fed's Regulation II is expected to primarily affect banks with assets over $10 billion, which does not include Chime's partners [2] - There is a suggestion that while Chime has potential, certain AI stocks may offer greater upside potential with less downside risk [3]