Information Technology

Chime Financial, Inc. (CHYM) options and signal

Figures as of 28 Sep 2026

CHYM is Chime Financial, Inc., an Information Technology name the model ranks every trading day. The options figures are from the close on 28 Sep 2026. The model's figures are from 25 Sep 2026, one trading day behind the latest, as the Free plan shows them. Every model figure is paper trading.

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At a glance

Figure	Value	Date
Trade Card	Long call, 18 Dec	25 Sep
Priced move to 16 Oct	12.0% down, 11.8% up	28 Sep
Call wall and put wall	30 and 27.5	28 Sep
Signal and the desk's view	Bullish signal, view bullish	25 Sep
Last close	26.69	28 Sep
Next report	4 Nov 2026	28 Sep

Trade Cards

On 25 Sep 2026 the Trade Card for CHYM was a long call expiring 18 Dec 2026, paper trading.

Figure	Value
Signal	Bullish, over 45 trading days
Strategy	Long call, debit
Legs	Buy the 27.5 call
Expiry	18 Dec 2026, 84 days to expiry
Limit	A debit of at most $2.90
Probability of profit	35%, the option market's odds at expiry, from delta
Max loss	$290 per contract
Breakeven	30.40

Probability of profit is the option market's own odds from delta, not the model's.

Priced on the option chain at the close on 25 Sep 2026.

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Options Snapshot

CHYM's at the money implied volatility is 53.6 percent on 28 Sep 2026.

Figure	Value
IV rank	Not stated, 43 weeks of record
At the money IV	53.6%, near month, 18 days
Put/call ratio, open interest	0.55
Call open interest, strikes captured near the price	44,700 contracts
Put open interest, strikes captured near the price	24,700 contracts
Cost to trade at the money	Fair, 24.2% of the option's mid price

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Priced Range

On 28 Sep 2026, CHYM options priced a move of 12.0 percent down and 11.8 percent up by 16 Oct 2026.

Expiry	Days	Down	Up	Range
16 Oct 2026	18	12.0%	11.8%	23.49 to 29.85
20 Nov 2026	53	20.6%	22.1%	21.19 to 32.59
18 Dec 2026	81	23.7%	25.2%	20.36 to 33.42
15 Jan 2027	109	28.0%	28.6%	19.21 to 34.31
19 Mar 2027	172	36.3%	39.0%	16.99 to 37.09

The range is one standard deviation either side of the close of 26.69, as the option prices imply it.

A priced move restates option prices at the close and says nothing certain about where the price goes.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Gamma Map

On 28 Sep 2026, CHYM's call wall is the 30 strike and its put wall is the 27.5 strike.

Figure	Value
Call wall, most open call gamma	30
Put wall, most open put gamma	27.5
Flip strike, where net gamma changes sign	27.88
Net dollar gamma, calls minus puts	$337,093
Total dollar gamma, both sides	$1.88 million
Close	26.69

Dollar gamma is stated for a one percent move in the price.

Net is calls minus puts under the standard convention, not a record of who holds the contracts.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Volatility History

On 28 Sep 2026, CHYM's at the money IV is 53.6 percent against 20 day realized volatility of 60.8 percent.

Figure	Value
At the money IV	53.6%
Realized volatility, 20 trading days	60.8%
Realized volatility, 60 trading days	63.3%
Weekly readings on record	43, from 20 Jun 2025

Realized volatility is worked out from the daily closes the desk holds, not from the option chain.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Volatility Weather

On 28 Sep 2026, CHYM's at the money IV runs from 53.6 percent at 18 days to 55.5 percent at 172 days.

Days to expiry	At the money IV
18	53.6%
53	56.8%
81	52.5%
109	51.9%
172	55.5%

Far expiries price more volatility than near ones, an upward sloping term structure.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Volatility Smile

On 28 Sep 2026, at the 53 day expiry, CHYM's IV ten percent below the price sits 0.6 points below at the money IV.

Strike area	Implied volatility	Against at the money
10% below the price	56.2%	-0.6 points
At the money	56.8%	0.0 points
10% above the price	54.5%	-2.2 points

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Volatility Surface

On 28 Sep 2026, CHYM's surface spans 5 expiries out to 172 days, with IV from 52.2 to 56.2 percent near the price.

Figure	Value
Expiries captured	5
Nearest expiry	16 Oct 2026, 18 days
Farthest expiry	19 Mar 2027, 172 days
Points within 10% of the price, 7 days out or more	10
Lowest IV among them	52.2%
Highest IV among them	56.2%

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Expiry Ladder

On 28 Sep 2026, CHYM has 5 captured expiries, from 16 Oct 2026 to 19 Mar 2027.

Expiry	Days	At the money IV	Call open interest	Put open interest
16 Oct 2026	18	53.6%	4,856	3,634
20 Nov 2026	53	56.8%	1,624	3,260
18 Dec 2026	81	52.5%	5,271	2,004
15 Jan 2027	109	51.9%	29,988	11,994
19 Mar 2027	172	55.5%	2,916	3,799

Open interest is summed over the strikes captured near the price on each expiry.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Strike Table

On 28 Sep 2026, CHYM's largest open interest sits at the 30 strike, with 14,374 contracts across the captured expiries.

Strike	Call open interest	Put open interest	Total
30	10,252	4,122	14,374
37.5	9,541	82	9,623
20	1,015	6,765	7,780
35	5,437	1,838	7,275
40	5,604	27	5,631
22.5	1,357	3,755	5,112

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Since Yesterday

From 25 Sep 2026 to 28 Sep 2026, CHYM's at the money IV moved from 50.8 percent to 53.6 percent.

Figure	25 Sep	28 Sep	Change
At the money IV	50.8%	53.6%	+2.8 points
Open interest, strikes captured near the price	74,416	69,346	-5,070
Put/call ratio, open interest	0.49	0.55	+0.06

Open interest changes cannot identify buyers or sellers.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Changed Hands

On 28 Sep 2026, 998 CHYM option contracts traded, 0.3 times its own recent average.

Figure	Value
Calls traded	588
Puts traded	410
Against its recent average	0.3 times
Busier than	0 of its last 20 trading days
Open interest, whole chain	76,685 contracts
Volume to open interest	0.01
Unusual volume flag	No

Traded volume and open interest are shown side by side and never combined. Open interest changes cannot identify buyers or sellers.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Positioning Replay

The replay holds 32 trading days of CHYM's option positioning, from 11 Aug 2026 to 28 Sep 2026.

Date	Close	Net dollar gamma	Top call strike	Top put strike
11 Aug 2026	31.73	$2.85 million	30	30
21 Sep 2026	29.92	$331,893	30	30
28 Sep 2026	26.69	$337,093	30	27.5

Each frame restates one nightly capture. Net is calls minus puts, a convention, not who holds the contracts.

From the option chain at the close on 28 Sep 2026. Current on every plan.

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Read-out

On 25 Sep 2026 the desk's view of CHYM was bullish, paper trading.

Figure	Value
Side	Bullish at 45 trading days, signal on
Level above the close	32.16, the swing high of 8 Sep 2026
Level below the close	19.61, the swing low of 30 Jun 2026, a close past it runs against the view
The chart	Sits against the view
Strategy family	Long call (buy a call)
Price target	None. The desk has no price model.

The levels are prices the shares turned at on the chart, with the date of each.

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Rank by Timeframe

On 25 Sep 2026 CHYM sat at the 95th percentile of the model's 45 trading day ranking, paper trading.

Timeframe	Percentile	Side
10 trading days	100 of 100	Bullish
20 trading days	97 of 100	Bullish
45 trading days	95 of 100	Bullish

100 is the top of the ranking. A name in the middle three fifths is neutral.

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Timeframe Agreement

On 25 Sep 2026, 3 of 3 timeframes put CHYM on the bullish side, paper trading.

Group	Timeframes	Side	On that side
Near	10 day, 20 day	Bullish	2 of 2
Long	45 day	Bullish	1 of 1

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Signal History

On 25 Sep 2026 CHYM's bullish signal had held 4 trading days in a row, paper trading.

Trading day	Signal	45 day percentile
25 Sep 2026	Bullish	95 of 100
24 Sep 2026	Bullish	97 of 100
23 Sep 2026	Bullish	97 of 100
22 Sep 2026	Bullish	98 of 100
21 Sep 2026	None	77 of 100
18 Sep 2026	None	61 of 100
17 Sep 2026	None	69 of 100
16 Sep 2026	Bullish	96 of 100

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Sector Split

On 25 Sep 2026, 80 of 187 Information Technology names were bullish and 61 were bearish, paper trading.

Sector	Names	Bullish	Bearish	Neutral
Information Technology	187	80	61	46

Paper trading. The model's figures from 25 Sep 2026, one trading day behind, as the Free plan shows them.

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Price Chart

CHYM closed at 26.69 on 28 Sep 2026.

Figure	Value
Last close	26.69
Change over 5 trading days	-10.8%
Change over 21 trading days	-20.0%
Change over 63 trading days	+27.1%
Change over 252 trading days	+23.8%
52 week high	35.55
52 week low	15.88
20 day moving average	31.18
50 day moving average	29.28
200 day moving average	23.49
RSI, 14 days	35

Worked out from the desk's own daily bars, adjusted for share splits.

From the daily bars through 28 Sep 2026. Current on every plan.

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Earnings Radar

CHYM reports next on 4 Nov 2026, a date worked out from past quarters.

Figure	Value
Next report	4 Nov 2026, after the close
Date	Worked out from past quarters
Move after the report of 5 Aug 2026	+20.6%
Move after the report of 30 Apr 2026	+1.7%
Move after the report of 28 Jan 2026	-5.1%
Move after the report of 28 Oct 2025	-3.6%

Earnings calendar as of 28 Sep 2026. Current on every plan.

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Headlines

The desk's news feeds carried 1 headline naming CHYM in the 3 days to 28 Sep 2026.

Figure	Value
Headlines in the window	1
Latest	26 Sep 2026

The titles are in the Headlines window, with the time each was published.

Headlines as of 28 Sep 2026. Current on every plan.

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The Desk Analyst

The Free plan shows the first paragraph of The Desk Analyst's column on CHYM for 25 Sep 2026, quoted below.

The share price closed at 26.78, which is 14.1% above its 200-day simple moving average of 23.47.

The price is below its 5-day (27.77), 20-day (31.5), and 50-day (29.19) moving averages.

It remains above the 100-day moving average of 23.99.

Paper trading. Column for 25 Sep 2026, general commentary published the same way to every reader.

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Questions

What is CHYM's IV rank?: CHYM's at the money implied volatility is 53.6 percent on 28 Sep 2026.
What move are CHYM options pricing?: On 28 Sep 2026, CHYM options priced a move of 12.0 percent down and 11.8 percent up by 16 Oct 2026.
Where are CHYM's call wall and put wall?: On 28 Sep 2026, CHYM's call wall is the 30 strike and its put wall is the 27.5 strike.
What was the latest Trade Card for CHYM on the Free plan?: On 25 Sep 2026 the Trade Card for CHYM was a long call expiring 18 Dec 2026, paper trading.
When does CHYM report earnings next?: CHYM reports next on 4 Nov 2026, a date worked out from past quarters.

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