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CHYM
LONGCHIME FINL INC
Funds
3
Score
4.50
vs SPY
-17.0%
Stock return (since Q-end)
-0.7%
SPY return (since Q-end)
+16.3%
Current price
$18.60
News Summary
PositiveChime achieved its first GAAP-profitable quarter as a public company with Q1 2026 revenue of $647M (+25% YoY), EPS of $0.13 (beating consensus by 333%), and raised full-year 2026 guidance to $2.66–$2.69B. Despite strong fundamentals—10.2M active members (+19% YoY), 18% adjusted EBITDA margins, and successful new products like Chime Prime and MyPay credit expansion—the stock has declined ~17% post-earnings amid analyst divergence and volatility.
Red flags
- •Stock declined 13% in week following earnings despite profitability beat and guidance raise—suggests valuation concerns or investor skepticism on forward multiples
- •Transaction margin expected to normalize downward to 70–72% vs. 76% in Q1 due to seasonality—indicates quarterly volatility in profitability
- •Analyst consensus divergence with some community analysts issuing sell downgrades post-earnings despite positive business metrics
- •Insider selling activity: Director Cynthia Marshall filed intent to sell 35,000 shares (~$780K) in March
Funds Buying (3)
| Fund | Manager | Shares Held | ∆ Shares | Position Value | QoQ | Status |
|---|---|---|---|---|---|---|
| Tiger Global | Chase Coleman | 11.1M | +11.1M | $207.6B | — | NEW |
| Coatue Management | Philippe Laffont | 10.1M | +10.1M | $188.6B | — | NEW |
| Dragoneer | Marc Stad | 4.3M | +4.3M | $80.7B | — | NEW |
Shares Held and Position Value reflect total quarter-end holdings. ∆ Shares is the change from the prior quarter.