• $SOFI (+7,95%)
  $CHYM
  $HOOD (+7,15%)

• values Chime at around 11.6 billion dollars on a fully diluted basis
• Chime was valued at 25 billion dollars in the last major financing round
• Chine generates the majority of its revenue from interchange fees

Chime $CHYM goes public with a valuation of 11 billion US dollars, a turnover of 1.7 billion US dollars and a negative net profit of (-) 25 million US dollars.

$SOFI (+7,95%) In contrast, Chime achieved sales of USD 2.7 billion and a net profit of USD 500 million in 2024, but was only valued at USD 16 billion.

$CHYM does not have a banking license or is not a bank, that is correct, so a comparison only makes limited sense, but:

Chime $CHYM uses Galileo from $SOFI (+7,95%) .

A brief explanation: Galileo is a fintech platform that provides APIs and services that can be used by $CHYM and other fintech companies (e.g. also $HOOD (+7,15%) ) to offer financial services such as debit cards, loans and transactions. Chime uses these APIs to develop and offer its own financial products and services.

-> I just want to point out the potential here if other banks want to modernize their technologies.

$CHYM

The financial technology company Chime announced on Wednesday that it had raised 864 million dollars in its IPO after shares were offered at a price of 27 dollars each.

The company had priced the offering between 24 and 26 dollars per share.

The IPO values Chime at approximately $11.6 billion on a fully diluted basis.

Chime's IPO is one of the largest in recent years for a US financial technology company. It follows a period in which valuations were reset from the highs reached in the wake of the coronavirus pandemic, which drove up investment in fintech and e-commerce companies.

Chime was founded in 2012 by Chris Britt, former managing director of $V (+0,78%) and Ryan King, former employee of $CMCSA (+0,66%) and offers its services through partnerships with brick-and-mortar banks. Products include branded current accounts and user-friendly features such as fee-free overdrafts.

Investors in Chime, which was valued at 25 billion US dollars in its last major funding round in 2021, include Yuri Milner's DST Global, private equity firm General Atlantic and investment firm ICONIQ.

Chime is scheduled to begin trading on the Nasdaq Global Select Market on Thursday (June 12) under the symbol "CHYM".

The IPO follows a strong market debut by stablecoin issuer Circle at the beginning of June, which gave new momentum to the US IPO market, which has been dampened by the Trump administration's tariff policy.

Chime's IPO had been expected at the beginning of the year, but was postponed after Trump's announcement of tariffs on "Liberation Day" sent the financial markets into turmoil.

The recent upturn in listings has encouraged more companies to revisit their plans, with June proving to be an important window as companies seek to capitalize on the relatively stable market conditions ahead of the traditional summer lull.

As of March 31, Chime had 8.6 million active members. According to the IPO prospectus, the company generated an average revenue per active member of $251 in the first quarter.

Members conducted an average of 54 transactions per month, 75 percent of which were purchase transactions with Chime-branded cards.

The company generates the majority of its revenue from interchange fees - a portion of the transaction fees paid by merchants to payment networks such as Visa when a customer uses a Chime debit or credit card.

Chime's net loss narrowed to 39 cents per share for the year ended Dec. 31, down from $3.22 in 2023 and $8.12 in 2022.

https://www.reuters.com/business/finance/chime-prices-us-ipo-27-per-share-raise-864-million-2025-06-11/

As part of my ETF DIY project, I analyzed $V (+0,78%) analyzed them using my self-developed valuation system:

Moat: 5/5

• Market position: +
• Uniqueness / differentiability: +
• Switching costs: +
• Technological advantage: +
• Brand loyalty: +

Growth: 5/5

• Turnover & profit: +
• Scalability: +
• Industry trends: +
• Ability to innovate: +
• Geographic expansion / penetration: +

Risk: 2/5

• Regulatory & geopolitical: -
• Market risks: -
• Competitive situation: +
• Balance sheet quality: +
• Sales diversification: -

Dividend: 1/1

• Dividend growth > 7%

Faith: 0/1

• Stable company, but I see some risks.

Total: 13/17

• Visa is saved with factor 4.

If you are not yet familiar with my system and the ETF-DIY project - just take a look at my profile.

The complete analysis and my thoughts on it can also be found on YouTube:

https://www.youtube.com/watch?v=JyQZZTGQNE8

Hey community,

I would like to build up a dividend portfolio with some growth and have made a plan.

I'm really looking forward to your feedback.

$VHYL (-0,13%) 35%

$MSFT (-0,01%) 10%

$V (+0,78%) 5%

$PEP (+0,58%) 5%

$ULVR (-0,38%) 10%

$PFE (+0,42%) 5%

$O (-0,48%) 5%

$ALV (+0,13%) 5%

Today, after a long period of consideration, I have decided to part with $CDI (-0,56%) ... I have learned that it can also make sense to realize losses.

I now want to invest the money in shares that are better suited to my dividend growth strategy and show more growth. I am thinking of companies like $V (+0,78%)
$ZTS (-0,14%)
$NOVO B (-0,16%)
$6383 (-0,91%)
$VST (+0,06%)
$VRT (+0,5%)

Please share your opinion!

First of all, thank you for taking the time to read this post🙄 it's getting a bit long😅

As you know, the market has only gone in one direction in recent weeks and months📉, but now the wind seems to have changed 📈

since my portfolio presentation last year, I have now used the correction to some changes in the portfolio, which I would like to share with you 🙃 "Unfortunately" there was no reduction in the portfolio for the time being because there were too many attractive opportunities🥹

At the beginning of April in particular, I massively reduced my cash reserves and expanded or even doubled my positions. I also made a a few new additions in my portfolio begrüßen✌️(I actually had a few stocks inspired by the dear @Aktienhauptmeister 👀) Greetings go out 😆

In my portfolio introduction post, I mentioned that I would like to $DHR (-0,11%) against $SYK (-0,73%) would exchange. Now it has actually been implemented ✅ necessity is the mother of invention, which is why I have also parted with $OR (+1,81%) I also parted with

I didn't want to share all my purchases now, that would be too much, so I'll list what I bought here 🙂

I tried as best I could to increase "every" position in the portfolio a bit🧐

First of all, I'll mention the positions that were further expanded

$VWCE (-0,11%) + ~10k

$GRAB (+3,03%) + ~1k to (3.38)

$BLK (-0,44%) + ~ 1.3k (678)

$ASML (+0,18%) + ~2.7k (555,45)

$GOOGL (-1,02%) + ~ 1.5k (124,66)

$MPWR (-0,84%) + ~ 1.6k (409,21)

$SOFI (+7,95%) + ~ 0.7k (7,78)

$LIN (+0,58%) + ~ 1.1k (388,20)

$QCOM (-0,1%) + ~ 1.5k (113,62)

$CRWD (+1,52%) + ~ 0.9k (289,75)

$MSCI (-0,92%) + ~1.3k (451)

$V (+0,78%) + ~ 1.4K (274)

$AMZN (-0,73%) + ~ 1.4K (159,74/159,34)

$MSFT (-0,01%) + ~ 1.7k (335/337,75)

$MC (-0,74%) + ~ 1.9k (482,31)

$NOVO B (-0,16%) + ~ 2.5k (51,68)

$ABBV (+1,28%) +~ 1.5k (152)

$NVDA (-0,33%) +~ 2k (85,04)

$UNH (+0,53%) +~ 1.7k (336,30)

$PEP (+0,58%) +~ 1.1k (114,97)

$MRK (-0,3%) +~ 1k (67,70)

------------------

now to the new arrivals 🤩 the ones now mentioned below I opened the positions for the first time 😇

$SYK (-0,73%) ~ 2.1k (305,72)

$META (+0,81%) ~ 1.4k (467,30)

$AVGO (+0,84%) ~ 1.1k (156,76)

$ISRG (+0,74%) ~ 1.6k (398,30)

$SPGI (+0,41%) ~ 1.2k (403,22)

$ANET (+2,4%) ~ 1.8k (70,50/58,65)

$UNP (-0,45%) ~ 0.9k (187,56)

$CAT (+0,76%) ~ 1.5k (246,50)

(I hope I have not forgotten anything)

I have invested a total of about 45k and am absolutely satisfied with my investment case. Now I have no more buffer to add 🥲 in the next few months I will build up cash again 😬

Now I'm curious to see what you've bought, my dear investors?

Like for example @Aktienhauptmeister
@Max095
@Tenbagger2024
@Simpson 🫣

thanks again for reading 🥸

in that sense

have a nice weekend ✌️

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (+0,53%) and $TSM (-1,23%) were proved wrong.

To my delight $RSG (+0,02%) , $V (+0,78%) and $DE (-1,04%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD 2025: -3.65 %

📉 TTWROR 2025: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (+0,02%) +15,81%

🥈 $V (+0,78%) +6,69%

🥉 $DE (-1,04%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (-1,23%) -19,13%

🥈 $ASML (+0,18%) -10,71%

🥉 $IS3R (+0,21%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-0,1%) x5,55

🔄 03/2025: $IS3R (+0,21%) x2,80

🔄 03/2025: $5MVL (-0,36%) x1,83

➡️ 03/2025: $TSM (-1,23%) x1,726

➡️ 03/2025: $ZTS (-0,14%) x2,093

➡️ 03/2025: $UNH (+0,53%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (+0,78%) +1,05€

💸 03/2025: $ZTS (-0,14%) +2,28€

💸 03/2025: $UNH (+0,53%) +1,97€

🔄 02/2025: $ISAC (-0,1%) x6,8

🔄 02/2025: $MEUD (-0,42%) x0,50

⬅️ 02/2025: $BRK.B (-0,38%) +51,29€

⬅️ 02/2025: $PG (-0,84%) +543,98€

💶 02/2025: Interest +€25.20

💸 02/2025: $DE (-1,04%) +4,06€

💸 02/2025: $ASML (+0,18%) +2,68€

💸 02/2025: $COST (-0,33%) +0,03€

💸 02/2025: $PG (-0,84%) +2,83€

🔄 01/2025: $ISAC (-0,1%) x5,75

🔄 01/2025: $MEUD (-0,42%) x0,53

➡️ 01/2025: $UNH (+0,53%) x1

➡️ 01/2025: $TSM (-1,23%) x2

➡️ 01/2025: $BTC (-0,87%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (+0,02%) +1,16€

💸 01/2025: $SYK (-0,73%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

The current market sentiment at $BTC (-0,87%) makes me personally incredibly bullish. We are just scratching the $100k mark again and nobody seems to care.

With New Hampshire, we have the first US state with a strategic BTC reserve.

A bill also came into force yesterday in Arizona that does not allow direct investment, but transfers confiscated BTC to the state reserve. In many other states, SBR laws are currently going through the official legislative process, which you can follow here:

https://bitcoinlaws.io/reserve-race

$MSTR (+2,1%) hosted "Strategy World 2025" in Orlando from May 5-8. A conference at which BTC strategies and use cases for companies were presented.

Among others were:

- Visa $V (+0,78%)

- Dell $DELL

- Salesforce $CRM (-0,29%)

- Siemens $SIE (-1,75%)

- Palantir $PLTR (+2,27%)

- JP Morgan $JPM (+0,82%)

All of these companies are apparently involved with Bitcoin.

There are more and more strategy imitators. More and more companies are dedicating their entire business model to buying as much BTC as possible.

The funding rate is at bear market levels, which indicates a healthy, sustainable increase. There are no over-leveraged long trades in the market.

There is less and less BTC on the exchanges. The stock on the exchanges has been falling continuously for 5 years. BTC is not only being bought, it is being withdrawn from the exchanges. The supply is therefore falling continuously.

And while all this is going on, interest in Bitcoin is absolutely low, as can be seen from Google Trends.

It's interesting to see the direction in which this is all developing. What do you think?