Chime IPO
Tradingprice, listing and company profile
IPO price$27.00Price range: $24.00 – $26.00
Deal size$864M32,000,000 shares
Valuation$11.6BIPO valuation
- IPO filing
- Roadshow
- Pricing
- First trade
- Quiet period
- Lockup
Performance since IPO
Confirmed share price history
No published trading history yet
IPO recap
Confirmed offering terms
Chime filed IPO documents on May 13, 2025. Confirmed offering terms are shown below.
FiledMay 13
PricingJun 11
First tradeJun 12
Lockup ends—
The short version
Chime has traded publicly since 2025-06-12. This profile covers the final price, share count, proceeds, business model, operating context and key risks.
Key takeaway 1
Chime priced 32 million shares at $27 and began Nasdaq trading on 12 June 2025.
Key takeaway 2
The model is built around everyday spending, deposits and credit-building products.
Key takeaway 3
Interchange and member engagement are important drivers beyond headline account growth.
Company in detail
What happened at the IPO
Chime priced its initial public offering at $27.00 per share and began trading on 2025-06-12 on the Nasdaq under CHYM. The final price, base share count and gross size are the confirmed transaction terms; they are separate from later market performance.
The deal included 32,000,000 base shares and an over-allotment option for 4,800,000 additional shares. The IPO combined newly issued Class A shares with selling stockholders and included an over-allotment option.
Company and products
Chime is Consumer fintech platform offering mobile-first financial products. Its core offering includes Spending accounts, debit cards, direct deposit, credit-building and related financial tools.
The platform monetizes member activity through interchange, fees and partner economics while targeting everyday banking use. The company’s route to scale therefore depends on both product demand and the operating discipline needed to serve that demand.
Capital, ownership and use of proceeds
The registration materials described the capital structure and the distinction between new shares and shares sold by existing holders. Technology, marketing, working capital and general corporate purposes.
The headline gross offering value is not the same as cash retained by the issuer. Underwriting discounts, offering expenses, selling-stockholder proceeds and any concurrent securities must be read separately in the final prospectus.
Financial and operating lens
Member-focused banking: Mobile-first financial platform for everyday banking. Chime positions its products around members’ spending, deposits, direct deposit and credit-building relationships.
The public-market analysis should connect this operating measure to revenue quality, cash conversion, customer or user retention and the cost of expanding the platform. IPO proceeds can extend the runway, but they do not remove execution risk.
Why this IPO matters
Chime was a large consumer-fintech listing and a market test of whether mobile banking can scale profitably after years of private growth.
The main questions after the first trade are whether the company can deliver on its stated growth plan, preserve service quality and turn the IPO story into durable public-company results.
- Fraud, compliance, partner-bank structure and competition remain core risks.
Operating metrics
Member-focused banking
Mobile-first financial platform for everyday bankingChime positions its products around members’ spending, deposits, direct deposit and credit-building relationships.
May 13, 2025Company profile
- Founded
- 2013
- Legal name
- Chime Financial, Inc.
- Listing
- Nasdaq · CHYM
- Headquarters
- San Francisco, California, United States
- Business
- Consumer fintech platform offering mobile-first financial products.
- Products
- Spending accounts, debit cards, direct deposit, credit-building and related financial tools.
- IPO structure
- The IPO combined newly issued Class A shares with selling stockholders and included an over-allotment option.
- Use of proceeds
- Technology, marketing, working capital and general corporate purposes.
- First trade
- 2025-06-12
- Employees
- No published figure
Timeline
- Public registration filed
Chime moved from private preparation into a public registration process. Filing terms were preliminary and subject to later pricing.
- IPO priced
Chime announced a final price of $27.00 per share for the base offering.
- First trading day
The shares began trading on Nasdaq under CHYM.
- Closing confirmed
The issuer confirmed completion of the offering and the final capital-market structure.
Member-focused banking
Mobile-first financial platform for everyday bankingChime positions its products around members’ spending, deposits, direct deposit and credit-building relationships.
Base shares offered
32,000,000Base deal size at the final price; the over-allotment option is shown separately.
Final IPO price
$27.00per shareFinal public offering price announced on 2025-06-11; this is the offer price, not a current market quote.
Employees
—No published figure
Net income
—No published figure
Operating cash flow
—No published figure
Financials
No complete financial history available
Revenue
Financial history unavailableComparable financial periods will appear here when available.
No comparable financial series
Available dated disclosures are included in the company overview. View disclosures →
Valuation & peers
Price-to-sales, revenue growth and gross margin
Comparable metrics unavailableComparable company figures for the same date are not available.
Revenue growth (%)
| Company | P/S | Growth | GM |
|---|---|---|---|
| Chime | — | — | — |
| No published peer comparison | |||
Context: Private financing valuations and modeled market values do not establish an IPO valuation. Revenue run-rate is not used here to calculate a price-to-sales ratio.
Private valuation and funding details
Final IPO price
$27.00 per shareFinal public offering price announced on 2025-06-11; this is the offer price, not a current market quote.
Base shares offered
32,000,000Base deal size at the final price; the over-allotment option is shown separately.
Gross base offering
$864.0MGross base offering value calculated from the disclosed base share count and IPO price; it is not net proceeds.
IpoHub score
How we score—Not rated
Balance sheet—
Growth—
Community—
Profitability—
Valuation—
Individual category scores are not available.
Where the money goes
$864MIPO raise
Use of proceeds—
Allocation percentages—
Net proceeds—
See the reported use of IPO proceeds below.
Reported use of proceeds
- use
- Technology, marketing, working capital and general corporate purposes.
- structure
- The IPO combined newly issued Class A shares with selling stockholders and included an over-allotment option.
Key risks
Editorial analysisCredit and fraud
Consumer finance platforms manage fraud, credit and compliance risks at scale.
Interchange dependence
Revenue is linked to member spending and payment-network economics.
Competition
Banks, neobanks and payment apps compete for the same daily financial relationship.
Regulatory oversight
Partner-bank and consumer-protection rules can change the operating model.
Final deal terms
- Ticker
- CHYM
- Exchange
- Nasdaq
- IPO valuation
- $11.6B
- IPO price
- $27.00
- Price range
- $24.00 – $26.00
- Pricing date
- Jun 11, 2025
- First trading day
- Jun 12, 2025
- Shares offered
- 32,000,000
- Deal size
- $864M
- Underwriters
- Not confirmed
- Greenshoe shares
- 4,800,000
- Lockup
- Not confirmed
- Quiet period expirations
- Not confirmed
Chime IPO: where and how to invest
Where can I invest in the Chime IPO?
Chime shares have a confirmed trading start on Nasdaq under the ticker CHYM. You can buy through a broker that supports that market and makes the shares available to your account. Check the venue, fees and current quote; the market price can differ from the original IPO offer price.
Can I buy Chime shares now?
Chime's public trading start is confirmed. Whether you can buy the stock in your account depends on your broker's market access and account rules. A stock-market order buys at available market prices; it is not an IPO allocation at the original offering price.
When is the Chime IPO?
Chime's confirmed first trading day was Jun 12, 2025. The offering was priced on Jun 11, 2025.
What is the Chime IPO share price?
Chime's confirmed IPO offer price is $27.00 per share. This is the offering price, not a live stock-market quote.
What is Chime's stock ticker and exchange?
The ticker recorded in this profile is CHYM. The exchange recorded here is Nasdaq.
Can I buy Chime shares before the IPO?
The Chime offering tracked here already has a confirmed trading start. Buying on the stock market now is therefore not a pre-IPO investment. Check the current quote and available share class with your broker.
Where can I find the Chime IPO prospectus?
Check Chime's official investor-relations announcements and publications from the relevant regulator and exchange. A confidential submission or an announcement about it is not a publicly available prospectus. Before subscribing, read the final prospectus for the risks, price, share class and offering terms.
More questions about the Chime IPO
What does Chime offer?
Chime offers mobile-first spending, deposit and credit-building products.
What was the IPO price?
The final IPO price was $27 per share.
How does Chime earn money?
Its economics include interchange, fees and partner relationships tied to member activity.
What should investors track?
Member engagement, direct deposit, fraud, credit performance, compliance and contribution margin.
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