Hello – When central banks, retail investors and industry all clamor for the same metal, prices don’t just rise—they can launch. Our 2026 Gold Forecast: A Perfect Storm for Demand explains why spot gold could break past $4,000 this year and provides guidance on how to position yourself before it happens. Inside, you’ll discover:
Why net-buying by central banks just hit a record first-half total, led by Turkey and India. How rate cuts and a weakening dollar create a powerful tailwind for precious metals. Three practical ways to add gold—from physical bars to high-margin mining stocks paying dividends. Price targets suggest $4,000 per ounce if current trends persist. This concise PDF outlines the catalysts, risks, and tactics so you can decide whether to hold the metal, own the miners, or both. 👉 Download your free Gold Forecast now. No cost. No credit card. Just actionable research before the crowd sees the signal. To your investing edge, Matthew Paulson
Founder & CEO, MarketBeat P.S. Only about 2–5 % of investors own physical gold today. If the other 95% start buying, you’ll want to be in first. Grab the report now while it’s still free.
Exclusive News
Chime Finally Turns Profitable—But Risks RemainAuthor: Peter Frank. Publication Date: 5/14/2026. 
Key Points
- Chime delivered its first profitable quarter, with revenue growth and lower operating costs boosting margins.
- Instant Loans and deeper customer engagement are helping diversify revenue beyond interchange fees.
- Investors still face risks from competition, credit quality, and potentially seasonal profit strength.
- Special Report: Elon Musk: This Could Turn $100 into $100,000
Chime Financial (NASDAQ: CHYM) is now something many digital banks never become: profitable. On the surface, that is a big deal. The company delivered strong revenue growth in the first quarter, expanded margins, and authorized aggressive buybacks. Chime is no longer just a fintech startup that burns cash; it can earn money.
Elon Musk has quietly launched a new venture - one that has nothing to do with rockets, EVs, or Neuralink. Trump has issued emergency support to accelerate the rollout, and it's already live in multiple states.
The Financial Times reports Sam Altman is personally calling people to build this for OpenAI. A few little-known companies control the entire supply chain - meaning anyone who wants access must go through them. Their stocks are available to buy right now. See which companies control the supply chain behind this emerging tech
Now, Chime needs to prove that those profits are durable enough to justify investing. Profits Finally Reach the Bottom LineChime’s story is no longer about potential. It is about execution. The company reported genuine income in the first quarter, its first profitable quarter since going public. The app-based neobank posted $53 million in GAAP net income for the year’s first three months on revenue of $647 million, up 25% from a year earlier. On a per-share basis, the company reported 13 cents, well above the 3 cents expected. And while earnings per share are expected to remain strong this year, models for 2027 point to a real jump to as high as 84 cents. These results, along with the positive outlook, mark a welcome turnaround. As recently as the fourth quarter of 2025, the company still posted a net loss of $45 million on revenue of $596 million. The business was already attractive, but spending kept getting in the way. In fact, the company’s gross margin was already an impressive 89%, and its transaction margin, meaning how much money Chime kept after paying for core banking services, stood at 72%. The problem was that marketing spending, technology investment, and overhead were eating the profits before they could reach the bottom line. The fix came largely through technology. While marketing and tech spending stayed relatively level, the company moved much of its processing in-house and pushed hard into artificial intelligence for software development and customer support. General and administrative costs fell more than $38 million, or 35%, from the fourth quarter, while revenue rose $51 million. As a result, adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) jumped to $119 million with an 18% margin, up 13 percentage points from a year earlier. A Digital Banking Model Begins to MatureChime’s whole business runs on a deceptively simple model. It offers free checking and savings accounts, a credit-builder card, and a growing suite of financial products for customers who are underserved or overlooked by traditional banks. The company primarily makes money through interchange fees, which provide a small cut of every purchase a member makes with a Chime debit or credit card. Additional revenue comes from its Instant Loans product, a small-dollar lending service that gives members access to cash between paychecks. The business is growing. With 10.2 million active users, the company says customers are engaging more deeply and adopting more products at a faster rate. Instant Loans, in particular, carries higher margins than pure interchange and is growing while loss rates among repeat borrowers improve. The company has raised its full-year 2026 revenue outlook to between $2.66 billion and $2.69 billion, implying roughly 22% to 23% top-line growth for the year. Adjusted EBITDA is expected to reach $416 million to $431 million, representing a 16% margin. The board underscored its confidence by authorizing an additional $200 million share-repurchase program alongside the first-quarter results. Wall Street Sees Significant Upside PotentialAnalyst sentiment on Chime is cautiously bullish, with a Moderate Buy recommendation. Among the 22 analysts who cover the stock, 17 rate it a Buy, while four have Holds and just one has a Sell. The average 12-month price target is $31.65, implying roughly 80% upside from recent trading levels. None of this comes without risk. The market has touted Chime shares in the past without seeing the results. The company went public a year ago at $27 a share and hit nearly $45 as its 52-week high. Those high valuations have not panned out. Even with the profitability, the stock is down nearly 30% this year and is near a 52-week low. Risks Still Shadow the TurnaroundInvestors are clearly pricing in the risks. The first may be that profits at the start of the year could be inflated by seasonality. Tax refund season concentrates spending and loan repayments. Management has acknowledged the potential impact, and future quarters may look softer until the full-year figures become clear. Credit health is also a concern. Instant Loans is promising, but Chime’s core customer base, which is younger and lower income, often has thinner credit histories. That demographic can be highly sensitive to economic changes. Competition in the financial services sector is the third, and potentially most daunting, risk. Chime faces fintech rivals chasing the same interchange and lending revenue. Traditional banks like JPMorgan Chase (NYSE: JPM) and Bank of America (NYSE: BAC) are also investing heavily in digital products. But for investors with a higher risk tolerance and a multi-year horizon, Chime has at least answered the most pressing question it has faced since going public: Can the model it runs finally make money? It is no longer a promise. It is now a result to defend. |
Post a Comment
Post a Comment