What a $3 Million Bet on Chime Financial Stock Signals About the Fintech's Post-IPO Outlook

1 day ago 9

Jonathan Ponciano, The Motley Fool

Sun, December 14, 2025 astatine 1:45 PM CST 5 min read

California-based StepStone Group initiated a presumption successful Chime Financial during the 3rd quarter, buying 150,000 shares for an estimated $3 million.
The caller presumption represents 1.4% of 13F reportable assets nether management.
The involvement places Chime Financial extracurricular the fund's apical 5 holdings.
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California-based StepStone Group reported a caller presumption successful Chime Financial (NASDAQ:CHYM), adding 150,000 shares valued astatine astir $3 million, according to a November 14 SEC filing.

According to an SEC filing released November 14, StepStone Group initiated a caller presumption successful Chime Financial (NASDAQ:CHYM), acquiring 150,000 shares successful the 4th ended September 30. The estimated worth of the involvement reached $3 million, representing 1.4% of the fund’s $212.7 cardinal successful reportable U.S. equity assets astatine quarter-end.

Top holdings post-filing:

NYSE:STUB: $127.3 cardinal (62.7% of AUM)
NYSE:KRMN: $21.1 cardinal (10.4% of AUM)
NYSE:PATH: $17.2 cardinal (8.5% of AUM)
NASDAQ:GENVR: $11.2 cardinal (5.5% of AUM)
NASDAQ:DKNG: $6 cardinal (3% of AUM)

As of Friday, shares of Chime Financial were priced astatine $26.19, astir 3% beneath their June IPO terms of $27 per share.

Metric

Value

Price (as of marketplace adjacent 2025-11-14)	$19.19
Market Capitalization	$7.07 billion
Revenue (TTM)	$1.67 billion
Net Income (TTM)	($25.34 million)

Chime Financial offers mobile-first, fee-free banking services including checking, savings, aboriginal paycheck access, and overdraft protection.
The institution generates gross chiefly done interchange fees and offers its services via partnerships with FDIC-insured banks.
It targets U.S. consumers earning nether $100,000 per year.

Chime Financial, Inc. operates arsenic a mobile-first fintech level successful the U.S. with a digital-first attack to user banking. The institution emphasizes accessibility and fee-free banking services, focusing connected serving consumers earning nether $100,000 per year.

StepStone’s determination present matters little due to the fact that of its size and much due to the fact that of its timing. Chime is lone months removed from its IPO, and organization investors are typically cautious early. Stepping successful present suggests increasing assurance that Chime’s operating exemplary is starting to construe into durable economics.

The company’s third-quarter results assistance explicate why. Revenue climbed 29% twelvemonth implicit twelvemonth to $544 million, portion progressive members roseate 21% to 9.1 million. More importantly for semipermanent holders, profitability metrics are moving successful the close direction. Gross borderline held astatine 87%, adjusted EBITDA turned affirmative astatine $29 million, and margins expanded sharply twelvemonth implicit twelvemonth arsenic operating costs scaled much dilatory than revenue. Management besides raised full-year guidance and authorized a $200 cardinal stock repurchase program.

Within the broader portfolio, this presumption sits good beneath the fund’s largest, much concentrated bets, indicating measured vulnerability alternatively than a high-conviction swing. For diligent investors, Chime’s entreaty rests connected its increasing basal of higher-income users, improving portion economics, and expanding monetization done products similar MyPay and instant transfers. The hazard remains execution. But the fundamentals warrant organization interest.