| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 36.83 | 66 |
| Intrinsic value (DCF) | 19.21 | -14 |
| Graham-Dodd Method | n/a | |
| Graham Formula | n/a |
Chime is a mobile-first fintech platform offering fee-free banking services—such as checking, savings, early paycheck access, and overdraft protection—via partnerships with FDIC-insured banks. It focuses on serving consumers earning under $100K/year and earns mainly through interchange fees.