Chime

Chime went public in June 2026 at an $11.2B valuation, forecasting $2.63B in annual revenue and adding 20,000 new accounts daily. That account acquisition rate is 40% faster than #4 Robinhood's user growth, but Chime's valuation is down 55% from its 2021 peak. Its profitability path narrows as retention costs rise, with a customer acquisition cost of $95—$20 less than the industry average. The success of its IPO hinges on maintaining a 70% deposit retention rate, which outpaces the typical neobank by 15%.