Chime Financial, Inc. (CHYM) saw its stock price surge 5.02% in pre-market trading, continuing positive momentum from the previous session.

The fintech company's fourth-quarter financial results exceeded analyst expectations, with revenue of $596.36 million beating the consensus estimate of $577.68 million and earnings per share of -$0.12 surpassing the expected -$0.15. The company also reported robust user growth, with active members increasing 19% to 9.5 million. Investor sentiment was further bolstered by Chime's optimistic forecast for 2026, projecting full-year revenue between $2.63 billion and $2.67 billion, above Wall Street expectations, and an expectation to achieve GAAP profitability in 2026 due to strong demand for its digital banking products and operational efficiencies from AI integration.

Additionally, positive analyst coverage contributed to the bullish sentiment, with KBW maintaining a Buy rating and setting a price target of $35.00, and other analysts expressing optimism about the financial stock.