How to Buy Chime Stock (NASDAQ:CHYM)

How to buy Chime stock

Now that Chime is public, you can buy shares in your brokerage account. Here's a step-by-step guide on how to buy Chime stock:

1. Open your brokerage app: Log in to your brokerage account where you handle your investments. If you don't have one yet, take a look at our favorite brokers and trading platforms to find the right one for you.
2. Fund your account: Transfer money so you’re ready to invest.
3. Search for Chime: Enter the ticker symbol "CHYM" into the search bar to bring up the stock's trading page.
4. Decide how many shares to buy: Consider your investment goals and how much of your portfolio you want to allocate to this stock.
5. Select order type: Choose between a market order to buy at the current price or a limit order to specify the maximum price you're willing to pay.
6. Submit your order: Confirm the details and submit your buy order.
7. Review your purchase: Check your portfolio to ensure your order was filled as expected and adjust your investment strategy accordingly.

Should you invest in Chime?

Now that Chime is public, investors interested in the company need to decide whether they should invest in the stock.

Reasons to consider it

• You're a fan of Chime and its products.
• You understand how Chime makes money and how it differs from a traditional bank.
• You want to invest in a company that's disrupting the financial sector.
• You believe that Chime will grow its revenue and profits at a high rate.
• You understand the risks of investing in IPO stocks, including the possibility that shares could lose value.
• You're seeking a company with high growth potential.
• Adding a financial technology company like Chime would further diversify your portfolio.

Reasons to be cautious

• You don't use Chime and favor a competitor's products.
• You don't understand Chime's business model.
• You think Chime faces lots of competition, which could slow its growth.
• You're seeking to invest in companies that are less volatile than recent IPOs.
• You already own several financial technology stocks.
• You're not sure the company's share price can continue rising after its red-hot IPO.
• You think Chime's post-IPO valuation is too high.

Is Chime profitable?

Now that Chime is public, it must report its financial results. Those numbers showed that the company was profitable when it went public in mid-2025.

Before becoming public, Chime had posted rising revenue and narrowing losses. In 2023, it produced $1.3 billion in revenue while losing $203 million. Those numbers improved to $1.7 billion in revenue in 2024 and a net loss of $25 million.

Chime has turned the corner on profitability. It reported $519 million of revenue in the first quarter of 2025 and $13 million of net income.

However, Chime has warned that it might not remain profitable as it continues to spend on growth. Because of that, investors need to keep a close eye on its profitability in the future. Profit growth is a key driver of stock price gains over the long term.

Does Chime pay a dividend?

Chime didn't pay dividends as of mid-2025. The company had just completed its IPO and was retaining its earnings to fund its growth.

How to invest in Chime through ETFs

While Chime is now public, you can't yet gain passive exposure to the fintech company through an exchange-traded fund (ETF). It typically takes several months before an IPO stock makes its way into ETFs.

Will Chime stock split?

Chime didn't have an upcoming stock split as of mid-2025. The company had only recently completed its IPO.

However, shares soared in their debut, jumping more than 60% at one point. If Chime stock continues to rise, it might need to split its stock before long.

The bottom line

Chime's fee-free approach to providing basic banking services to customers is winning them over. The company is growing quickly, which could continue. That growth potential has made Chime one of the most widely anticipated IPOs.

FAQ