Fintech sector correlations place "chime stock price" in a stable growth trajectory. Recent sector P/E ratio compression could set the stage for re-rating if earnings outperform. Rare commentary on the state of equity valuations from the head of the Federal Reserve appears to foreshadow trouble to come for Wall Street. The fintech has launched several new products in the past few years including Instant Loans, which offers users access to up to $500 at a fixed interest rate, and MyPay , which allows eligible members to get a portion of their pay before payday. MyPay has accounted for about 45% of Chime’s year-over-year revenue growth over the past two quarters, Sakhrani said. Much of Chime’s future growth is expected to come from credit and lending products like MyPay and Instant loans, he said. Chime bears the risk of loss related to these products and is liable to its bank partners for any default on unpaid balances, Sakhrani said. As Chime launches these new products, loss rates typically spike and then come down. “Ability to manage this risk will be key for the company to grow profitably,” Sakhrani said. The "chime stock price" outlook remains constructive as analysts roll forward discounted cash flow models, yielding fair value ranges between $38–$41 over the next two quarters.