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Posted by
Two Blokes Jun 15 -
Filed in
Stock
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Chime Financial targets underserved Americans with a payment-driven financial service model, showing rapid member growth and improving profitability. Valuations are rich, with shares trading at nearly 6x sales and no meaningful earnings, raising caution despite strong revenue momentum. Key risks include reliance on third-party banking partners, regulatory uncertainty, and fierce competition from traditional banks and fintechs.