There's been a notable change in appetite for Chime Financial, Inc. (NASDAQ:CHYM) shares in the week since its quarterly report, with the stock down 17% to US$18.23. It looks like a credible result overall - although revenues of US$647m were what the analysts expected, Chime Financial surprised by delivering a (statutory) profit of US$0.13 per share, an impressive 303% above what was forecast. The analysts typically update their forecasts at each earnings report, and we can judge from their estimates whether their view of the company has changed or if there are any new concerns to be aware of. So we collected the latest post-earnings statutory consensus estimates to see what could be in store for next year.

Taking into account the latest results, the current consensus from Chime Financial's 19 analysts is for revenues of US$2.68b in 2026. This would reflect a notable 16% increase on its revenue over the past 12 months. Earnings are expected to improve, with Chime Financial forecast to report a statutory profit of US$0.33 per share. Before this earnings report, the analysts had been forecasting revenues of US$2.66b and earnings per share (EPS) of US$0.16 in 2026. There was no real change to the revenue estimates, but the analysts do seem more bullish on earnings, given the sizeable expansion in earnings per share expectations following these results.

The consensus price target was unchanged at US$30.61, implying that the improved earnings outlook is not expected to have a long term impact on value creation for shareholders. The consensus price target is just an average of individual analyst targets, so - it could be handy to see how wide the range of underlying estimates is. There are some variant perceptions on Chime Financial, with the most bullish analyst valuing it at US$40.00 and the most bearish at US$21.00 per share. This is a fairly broad spread of estimates, suggesting that analysts are forecasting a wide range of possible outcomes for the business.

Of course, another way to look at these forecasts is to place them into context against the industry itself. We would highlight that Chime Financial's revenue growth is expected to slow, with the forecast 22% annualised growth rate until the end of 2026 being well below the historical 29% growth over the last year. Juxtapose this against the other companies in the industry with analyst coverage, which are forecast to grow their revenues (in aggregate) 4.0% per year. So it's pretty clear that, while Chime Financial's revenue growth is expected to slow, it's still expected to grow faster than the industry itself.

The Bottom Line

The most important thing here is that the analysts upgraded their earnings per share estimates, suggesting that there has been a clear increase in optimism towards Chime Financial following these results. Fortunately, they also reconfirmed their revenue numbers, suggesting that it's tracking in line with expectations. Additionally, our data suggests that revenue is expected to grow faster than the wider industry. There was no real change to the consensus price target, suggesting that the intrinsic value of the business has not undergone any major changes with the latest estimates.

With that said, the long-term trajectory of the company's earnings is a lot more important than next year. We have estimates - from multiple Chime Financial analysts - going out to 2028, and you can see them free on our platform here.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.