CHYM (Chime Financial) Moat Score: 5/10 (As of Sep. 11, 2026)

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CHYM Chime Financial Inc CHYM
12 GF Score
Price $33.00
! 6 Warning Signs
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What is Chime Financial Moat Score?

Chime Financial CHYM +1.01% 12 Moat Score is 5 as of Sep. 11, 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,823 Software companies, Chime Financial ranks better than 94.79% on this metric.

Chime Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Chime Financial has Narrow Moat: Chime Financial benefits from a solid narrow moat with strong brand recognition and customer loyalty in digital banking. However, it lacks significant regulatory barriers or proprietary technology to ensure a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chime Financial might have Narrow Moat - Solid narrow moat.

Chime Financial  (NAS:CHYM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chime Financial Moat Score Related Terms

CHYM vs DOCU, FROG, HUBS: Moat Score Comparison

For the Software - Application subindustry, Chime Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Chime Financial Moat Score vs Software Industry

For the Software industry and Technology sector, Chime Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Chime Financial's Moat Score falls into.


CHYM
12GF Score
Chime Financial Inc CHYM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Chime Financial (CHYM) has a Moat Score of 5 as of Sep. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Chime Financial ranks #147 out of 2823 companies in the Software industry, placing it in the top 5.2%.
Is Chime Financial's Moat Score too high?
Chime Financial's current Moat Score is 5. Based on the distribution chart, Chime Financial ranks #147 out of 2823 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Chime Financial has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Chime Financial's Moat Score compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #147 out of 2823 companies for Moat Score. This places Chime Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Chime Financial's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chime Financial stock overvalued right now?
Chime Financial (CHYM) has a current Moat Score of 5. The current Moat Score is 5. Chime Financial's overall GF Score™ is 12/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Chime Financial (CHYM), the current Moat Score is 5 as of Sep. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Chime Financial Business Description

Address 101 California Street, Suite 500, San Francisco, CA, USA, 94111
Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks. The company offers various financial products and services designed to meet members' financial needs, including spending accounts, liquidity solutions, credit-building tools, savings products, and community-focused financial services.
12GF Score

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