Mobile banking app offering no-fee accounts and early paycheck access for low-income consumers
| Date | Round | PPS (split-adj.) | Valuation |
|---|---|---|---|
| Jan 2024 | Tender Offer (2024) | $16.40 | |
| Aug 2021 | Series G (2021) | $69.07 | $25.0B |
| Sep 2020 | Series F (2020) | $40.92 |
Industry coverage reports Chime achieved profitability in the first quarter of 2025, signaling a shift from growth-only to sustainable unit economics at large scale.
Chime targets Americans earning under $100,000 per year, nearly 200 million people the firm argues are overcharged by legacy banks, giving it a very large underserved TAM.
Analyses highlight past fraud exploiting Chime's rapid growth and a secondary-market valuation drop from ~$25B in 2021 to single-digit billions by 2023, raising questions on risk controls and investor sentiment.
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No. As of March 2026, Chime is a private company and does not trade on any public stock exchange. Accredited investors can access Chime shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Chime does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Chime shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.
Pre-IPO investments carry significant risks. Chime shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Chime completed its IPO as NASDAQ: CHYM in Jun 2025 — view pre-IPO history, valuation data, and background on UpMarket.
