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Chime Financial's stock has dropped 40% below its IPO price, but its business is still growing. A sequential slowdown in its latest quarter spooked investors, but the company's mobile banking services, including no-fee checking and savings accounts, overdraft protection, and early-pay features, are still attractive. Chime's revenue is generated by swipe fees and incentives from its banking partners. The stock may be undervalued and presents a buying opportunity for long-term investors.

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