TSX:8698 News 6 January 2026

January 30, 2026, 12:20 AM EST. Chime Financial (CHYM) shares have experienced significant swings, dropping over 7% in the past week despite a 44.9% gain over three months. The stock last closed at $24.88, below the $31.67 fair value estimated on growth and profitability projections. New offerings like Chime Card and MyPay, with a $350 million annual run rate, support increased earnings per user and margins. However, future valuations depend on steady revenue growth, margin improvement from losses to profits, and controlled credit losses. Trading at a price-to-sales ratio of 4.5x, above industry and peer averages, questions remain on the premium for a still loss-making fintech firm. Investors face a choice: buy the dip or price in future growth challenges.