Chime Is Down 27% From Its IPO Price, Yet Posting 29% Revenue Growth: Why This New $15 Million Bet Stands Out

8 hours ago 2

Jonathan Ponciano, The Motley Fool

Sat, February 14, 2026 astatine 12:16 PM CST 3 min read

On February 13, 2026, Ranger Investment Management disclosed a caller presumption successful Chime Financial (NASDAQ:CHYM), acquiring 591,255 shares successful a commercialized estimated astatine $14.88 million.

According to the SEC filing dated February 13, 2026, Ranger Investment Management, L.P. initiated a caller presumption successful Chime Financial by acquiring 591,255 shares. The quarter-end worth of this presumption stood astatine $14.88 million.

This was a caller presumption for the fund, with the involvement accounting for 1.02% of 13F reportable assets nether absorption arsenic of December 31, 2025.
Top holdings aft the filing:
- NASDAQ:PEGA: $54.40 cardinal (3.7% of AUM)
- NASDAQ:LGND: $51.05 cardinal (3.5% of AUM)
- NASDAQ:ADMA: $41.97 cardinal (2.9% of AUM)
- NYSE:AGX: $36.62 cardinal (2.5% of AUM)
- NYSE:EE: $34.24 cardinal (2.3% of AUM)

As of February 13, 2026, shares of Chime Financial were priced astatine $19.69, down astir 27% from their $27 offering terms successful June.

Metric

Value

Price (as of marketplace adjacent 2026-02-13)	$19.69
Market Capitalization	$7.4 billion
Revenue (TTM)	$2.1 billion
Net Income (TTM)	($984.8 million)

Chime offers mobile-first, fee-free banking services including checking, savings, aboriginal paycheck access, and overdraft protection.
The institution generates gross chiefly done interchange fees collected via partnerships with FDIC-insured banks.
It targets U.S. consumers earning nether $100,000 per year, focusing connected the wide marketplace segment.

Chime Financial, Inc. operates a integer banking level focused connected accessible, low-cost fiscal services. The institution leverages a technology-driven attack and strategical slope partnerships to streamline operations and trim costs. Its competitory borderline lies successful its mobile-first strategy and committedness to eliminating accepted banking fees for its halfway lawsuit base.

Digital banking standard seldom comes cheaply, and with Chime shares trading 27% beneath their $27 IPO price, the question has shifted from hype to durability.

The fintech generated $544 cardinal successful third-quarter revenue, up 29% twelvemonth implicit year, with gross nett of $474 cardinal and an 87% gross margin. Active members climbed 21% to 9.1 million, portion adjusted EBITDA turned affirmative astatine $29 million, a 5% borderline and a 9-point twelvemonth implicit twelvemonth improvement. Management present expects full-year gross of up to $2.173 cardinal and adjusted EBITDA of arsenic overmuch arsenic $118 million. Meanwhile, nett losses persist nether GAAP, but operating leverage is emerging.

At 1% of assets, this presumption is humble comparative to larger bets successful bundle and biotech specified arsenic Pegasystems and Ligand, but it’s inactive notable. Ultimately, semipermanent investors should absorption connected interchange resilience, subordinate monetization done products similar MyPay and OIT, and whether borderline enlargement keeps gait with scale. If execution continues, today’s discount could look little similar a informing and much similar an introduction point.

Read Entire Article