Chime Financial, Inc. Class A Common Stock (CHYM) IV/HV History
Comparing implied volatility to historical (realized) volatility reveals whether options are priced rich or cheap relative to actual price movement. Persistent gaps can signal trading opportunities.
Chime Financial, Inc. Class A Common Stock (CHYM) operates in the Financial Services sector, specifically the Banks - Regional industry, with a market capitalization near $6.68B, listed on NASDAQ, employing roughly 1,465 people, carrying a beta of 1.11 to the broader market. Chime is a mobile-first fintech platform offering fee-free banking services—such as checking, savings, early paycheck access, and overdraft protection—via partnerships with FDIC-insured banks. Led by Mark T. Troughton, public since 2025-06-12.
Snapshot as of May 15, 2026.
- Spot Price
- $17.67
- ATM IV
- 62.6%
- HV 20-Day
- 80.3%
- HV 60-Day
- 77.0%
- IV Rank
- 18.1%
- IV Percentile
- 25.7%
As of May 15, 2026, Chime Financial, Inc. Class A Common Stock (CHYM) ATM implied volatility is 62.6%. 20-day realized volatility is 80.3%, producing an IV-HV spread of -17.7 vol points. Realized volatility currently exceeds implied, an inversion that can signal a pending IV expansion. IV rank is 18.1%.
How CHYM iv/hv history Data Feeds Strategy Selection
Strategy selection on Chime Financial, Inc. Class A Common Stock options does not derive from any single metric in isolation. The iv/hv history view above sits inside a broader read: ATM IV currently sits at 62.6% and dealer gamma exposure is negative, so dealer hedging amplifies directional moves. Combine the iv/hv history data here with the volatility-skew surface, dealer-gamma exposure, max-pain level, and upcoming-events calendar to build a positioning thesis. Risk-defined structures (credit spreads, debit spreads, iron condors) are usually safer than naked positions while the regime is uncertain; the data on this page anchors the inputs but does not by itself constitute a trade thesis.
Learn how implied vs realized volatility is reported and how to read the data →
Frequently asked CHYM iv/hv history questions
- Is CHYM options pricing rich or cheap right now?
- As of May 15, 2026, Chime Financial, Inc. Class A Common Stock (CHYM) ATM IV is 62.6% against 20-day realized volatility of 80.3%. IV rank is 18.1%. Realized volatility currently exceeds implied: an inversion of the typical equity volatility risk premium that often precedes IV expansion.
- What is the CHYM variance risk premium?
- The variance risk premium is the persistent gap between implied and subsequently realized volatility. In equity markets it averages positive because option sellers demand compensation for bearing variance shocks. CHYM is currently pricing inverted to the historical pattern, which is one input to whether short-vol or long-vol structures carry their typical edge.
- What does CHYM IV rank mean for strategy selection?
- IV rank normalizes the current ATM IV to its 1-year range: 0% is the low, 100% is the high. CHYM's current rank of 18.1% signals where current pricing sits in its own 1-year history. High-rank regimes typically favor premium-selling structures (credit spreads, condors, covered calls); low-rank regimes typically favor premium-buying or long-volatility structures.