Ranger Investment Management revealed a new position in Chime Financial, purchasing 591,255 shares worth $14.88 million on February 13, 2026. This stake accounted for 1.02% of the fund’s assets under management as of December 31, 2025. Chime Financial shares were priced at $19.69, down 27% from their $27 offering price in June.

Chime Financial operates a digital banking platform offering fee-free services like checking and savings accounts. The company generates revenue through interchange fees from partnerships with FDIC-insured banks, targeting U.S. consumers earning under $100,000 annually. Chime’s competitive edge lies in its mobile-first strategy and commitment to eliminating traditional banking fees.

Chime Financial’s third-quarter revenue reached $544 million, up 29% year over year, with a gross profit of $474 million and an 87% gross margin. Active members rose 21% to 9.1 million, while adjusted EBITDA turned positive at $29 million. Management anticipates full-year revenue of up to $2.173 billion and adjusted EBITDA of up to $118 million.

The Motley Fool’s Stock Advisor team did not include Chime Financial in their top 10 stock picks. The service boasts a total average return of 884%, outperforming the S&P 500 by 691%. Investors should focus on Chime’s interchange resilience, member monetization, and margin expansion to assess its long-term potential.

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