Chime (CHYM) Stock Concentration Calculator
Calculator · free · no signup · CHYMQuantify Chime concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →About Chime
Chime (CHYM) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 12, 2025.
Last close: $17.64 per share (as of 2026-06-15).
Equity grants at Chime typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Chime Financial, Inc. is an American financial technology company based in San Francisco, California. It provides fee-free mobile banking services through partnerships with two national banks, Stride Bank and The Bancorp Bank. The company offers fee-free checking and savings accounts, debit cards, and other financial products through its mobile application.
Source: Wikipedia (CC BY-SA 4.0)
Chime Financial, founded in 2012 by Chris Britt and Ryan King, built a mobile-first neobank that generates revenue from Visa debit card interchange fees rather than overdraft charges or monthly fees. The platform partners with FDIC-insured banks to offer fee-free checking, a high-yield savings account, SpotMe overdraft protection, and early direct deposit access up to two days before payday. Chime reported $2.19 billion in revenue in 2025, up 31% year-over-year, with 9.5 million active members. It priced its Nasdaq IPO at $27 per share in June 2025, implying an $11.6 billion valuation.
Equity comp at Chime
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Chime.
If a meaningful share of your net worth sits in CHYM, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with CHYM's option-implied volatility.
Example: 5,000 CHYM shares at $17.64 is a $88,200 position. A 30% drawdown costs $26,460; a 50% drawdown costs $44,100; a 70% drawdown costs $61,740. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using CHYM's option-implied volatility and your cost basis.
All Chime tools → · Use the generic Stock Concentration Calculator for any company.
Chime equity questions
- How much CHYM stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your CHYM position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Chime grant ISOs, NSOs, or RSUs?
- Equity compensation at Chime typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the Chime IPO lockup expire?
- Chime (CHYM) went public on June 12, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around December 9, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Chime RSUs use double-trigger vesting?
- No. Chime restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Chime equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.