Meet Chime: Sixth-Largest Debit Card Issuer—And It's Not Even A Bank

Chime Financial Inc (NASDAQ:CHYM) just vaulted to the sixth-largest debit card issuer in the U.S., all without a single physical branch.

JPMorgan analyst Tien‑tsin Huang initiated coverage on the stock with an Overweight rating and a $40 price target for December 2026. That’s about 28% upside from the current $31.32 level.

The Fintech That Cracked The Code

Chime didn't just stumble into scale – it engineered it. With 8.6 million members – mostly everyday Americans earning under $100K – it built trust through a "low cost, no cost" ethos.

More than two-thirds of members use Chime as their primary banking account. And because of convenient features like SpotMe overdraft ...