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    Timothy Chioda

    Managing Director and Senior Research Analyst at UBS

    Timothy Chioda is a Managing Director and Senior Research Analyst at UBS, specializing in the coverage of the U.S. homebuilders and building products sector. He focuses on major companies such as D.R. Horton, Lennar, KB Home, PulteGroup, and Toll Brothers, and has established a high level of accuracy in his published recommendations, consistently achieving analyst rankings in the top tier on platforms like TipRanks with an estimated success rate above 60% and strong return metrics over multiple years. Chioda joined UBS in 2007 after previous experience in equity research at Wunderlich Securities and in asset management roles at Deutsche Bank and JP Morgan, leveraging over two decades of industry expertise. He holds multiple securities licenses registered with FINRA, including the Series 7, 63, 86, and 87, and has been recognized for his insightful coverage and timely market calls in the housing and construction industry.

    Timothy Chioda's questions to Chime Financial (CHYM) leadership

    Timothy Chioda's questions to Chime Financial (CHYM) leadership • Q2 2025

    Question

    Requested more detail on the Chime Workplace initiative, specifically asking to 'bring to life' the sales conversations with large enterprises and understand their current status (e.g., new to the category, using a competitor, any pushback).

    Answer

    The company explained that many enterprises are new to the category, though some are considering switching from existing providers. Chime's competitive advantages in these conversations are: 1) offering a broad financial wellness solution beyond just earned wage access (EWA), 2) a superior, fee-free EWA product, and 3) the strong Chime brand and installed user base, which drives higher adoption. These points are resonating well in sales calls.

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