Chime Financial unveils $200M share repurchase; Q3 results note

Chime Financial, Inc. announced a new share repurchase program authorizing the company to buy back up to $200.0 million of its Class A common stock.

Rhea-AI Filing Summary

Chime Financial, Inc. announced a new share repurchase program authorizing the company to buy back up to $200.0 million of its Class A common stock. Repurchases may occur from time to time via open market or privately negotiated transactions, including under Rule 10b5-1 plans and in accordance with Rule 10b-18. The program is discretionary and may be suspended or discontinued at any time.

Chime also furnished a press release with its financial results for the quarter ended September 30, 2025, and plans to host an earnings call on November 5, 2025 at 2:00 p.m. PT/5:00 p.m. ET.

Insights

Equity Capital Markets Analyst

$200M buyback authorized; execution and timing discretionary.

Chime Financial authorized a share repurchase program of up to $200.0 million for Class A common stock. Repurchases may use open market and privately negotiated methods, including Rule 10b5-1 plans, and follow Rule 10b-18 parameters. This framework permits purchases over time rather than committing to a fixed schedule.

The authorization does not obligate purchases and can be suspended or discontinued, so actual repurchase volume depends on management decisions and market conditions. Cash-flow effects will vary with execution. The company also furnished Q3 2025 results and set an earnings call on November 5, 2025.

8-K Event Classification

3 items: 2.02, 8.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did CHYM announce regarding capital returns?

Chime authorized a share repurchase program for up to $200.0 million of its Class A common stock.

How can Chime (CHYM) execute the $200.0 million buyback?

Repurchases may occur via open market and privately negotiated transactions, including under Rule 10b5-1 and in accordance with Rule 10b-18.

Is Chime obligated to repurchase the full $200.0 million?

No. The program is discretionary and may be suspended or discontinued at any time.

When is Chime’s Q3 2025 earnings call?

The call is scheduled for November 5, 2025 at 2:00 p.m. PT/5:00 p.m. ET.

Did Chime release its Q3 2025 results?

Yes. A press release for the quarter ended September 30, 2025 was furnished as Exhibit 99.1.

Which class of shares is covered by the buyback?

The authorization covers Class A common stock.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/05/2025 - 04:10 PM EST Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________________________

FORM 8-K

___________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

November 5, 2025

Date of Report (date of earliest event reported)

___________________________________

Chime Financial, Inc.

(Exact name of registrant as specified in its charter)

___________________________________

Delaware (State or other jurisdiction of incorporation or organization)			001-42693 (Commission File Number)			46-0925388 (I.R.S. Employer Identification Number)
101 California Street, Suite 500 San Francisco, CA 94111
(Address of principal executive offices and zip code)
(844) 244-6363
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)

___________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class			Trading Symbol			Name of each exchange on which registered
Class A common stock, par value $0.0001			CHYM			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 12b-2 of the Exchange Act.

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐

Item 2.02 – Results of Operations and Financial Condition.

Financial Results for the Third Quarter of 2025

On November 5, 2025, Chime Financial, Inc. (“Chime") issued a press release regarding its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report. As previously announced, Chime will host an earnings call on November 5, 2025 at 2:00 p.m. PT/5:00 p.m. ET.

The information furnished with this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any other filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing.

Item 8.01 – Other Events.

Share Repurchase Program

On November 4, 2025, Chime’s board of directors authorized a share repurchase program under which Chime may repurchase up to $200.0 million of its outstanding Class A common stock.

Under this program, Chime is authorized to repurchase shares of its Class A common stock from time to time through open market transactions, privately negotiated transactions and other means subject to market conditions and in compliance with applicable securities laws, including through Rule 10b5-1 plans. Open market repurchases may be structured to occur in accordance with the requirements of Rule 10b-18. The timing, manner, price and amount of any repurchases will be determined by Chime at its discretion and depend on a variety of factors, including legal requirements, price, and economic and market conditions. The repurchase program does not obligate Chime to repurchase any particular amount of Class A common stock and may be suspended or discontinued at any time at Chime’s discretion without prior notice, subject to all applicable securities laws.

Item 9.01 - Financial Statements and Exhibits.

Exhibits

Exhibit No.						Description
99.1						Press release dated November 5, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						Chime Financial, Inc.
November 5, 2025						By:			/s/ Matthew Newcomb
						Name:			Matthew Newcomb
						Title:			Chief Financial Officer