Chime Financial, Inc. (CHYM) GC logs option exercise and share sale

Rhea-AI Filing Summary

Chime Financial’s General Counsel, a company officer, reported an insider stock option exercise and share sale. On 12/11/2025, the reporting person exercised an employee stock option to acquire 500 shares of Class A Common Stock at $16.56 per share, then sold 500 Class A shares at $27 per share on the same date.

After these transactions, the reporting person beneficially owned 252,416 Class A shares and 360,500 employee stock options. Some holdings are in the form of RSUs, each representing one share of Class A stock subject to vesting conditions. The sale was carried out under a Rule 10b5-1 trading plan adopted on September 8, 2025, and the option grant vests over time through August 2033, conditioned on continued service.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

FRANKEL ADAM B

(Last) (First) (Middle)

C/O CHIME FINANCIAL, INC.

101 CALIFORNIA STREET, SUITE 500

(Street)

SAN FRANCISCO CA 94111

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Chime Financial, Inc. [ CHYM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	General Counsel

3. Date of Earliest Transaction (Month/Day/Year)
12/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	12/11/2025		M		500	A	$16.56	252,916(1)	D
Class A Common Stock	12/11/2025		S(2)		500	D	$27	252,416(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (Right to buy)	$16.56	12/11/2025		M			500	(3)	08/31/2033	Class A Common Stock	500	$16.56	360,500	D

Explanation of Responses:

1. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

2. This sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan, adopted September 8, 2025.

3. 1/4th of the shares subject to the option vested on August 8, 2024 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date.

Remarks:

	/s/ Theresa Bloom, by power of attorney	12/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Chime Financial (CHYM) report on 12/11/2025?

The reporting person, an officer serving as General Counsel of Chime Financial, Inc., exercised 500 employee stock options for Class A Common Stock at $16.56 per share and sold 500 Class A shares at $27 per share on 12/11/2025.

How many Chime Financial (CHYM) shares does the reporting person own after this Form 4?

Following the reported transactions, the reporting person beneficially owned 252,416 shares of Chime Financial’s Class A Common Stock and 360,500 employee stock options.

Was the Chime Financial (CHYM) stock sale under a Rule 10b5-1 plan?

Yes. The filing states that the sale was effected pursuant to a Rule 10b5-1 trading plan that was adopted on September 8, 2025.

What is the exercise price and expiration of the Chime Financial (CHYM) stock options?

The employee stock option has an exercise price of $16.56 per share and an expiration date of August 31, 2033, with vesting over time based on continued service.

How do RSUs factor into the Chime Financial (CHYM) insider’s holdings?

The filing explains that certain securities are RSUs. Each RSU represents a contingent right to receive one share of Chime Financial’s Class A Common Stock, subject to the specific vesting schedule and conditions.

What is the vesting schedule for the reported Chime Financial (CHYM) stock option?

The filing notes that 1/4 of the option vested on August 8, 2024, and 1/48 of the shares vest monthly thereafter, subject to the reporting person’s continued service through each vesting date.