Chime Financial: Ryan A. King gifts 37,812 shares

The issuer withheld 37,188 shares to satisfy tax withholding and remittance obligations tied to RSU net settlement.

Rhea-AI Filing Summary

Chime Financial, Inc. (CHYM) reported transactions by Ryan A. King, a Co-Founder and director. On October 15, 2026, 37,188 Class A shares were withheld by the issuer to satisfy tax withholding and remittance obligations connected with RSU net settlement; the footnote says this was not a sale. The transaction row reports $29.00 per share. On October 16, a bona fide gift disposition of 37,812 shares was reported, alongside an indirect acquisition of the same number by King Family Trust, for which King serves as trustee.

Insider Trade Summary

75,624 shares gifted

Gift 3 txns

Insider King Ryan A

Role Co-Founder

Type	Security	Shares	Price	Value
Gift	Class A Common Stock F2	37,812	$0.00	$0.00
Gift	Class A Common Stock F3	37,812	$0.00	$0.00
Tax Withholding	Class A Common Stock F1, F2	37,188	$29.00	$1.08M

Holdings After Transaction: Class A Common Stock — 116,667 shares (Direct); Class A Common Stock — 37,812 shares (Indirect, See footnote)

Footnotes (3)

1. F1. Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units ("RSUs") and does not represent a sale by the Reporting Person.
2. F2. 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.
3. F3. The shares are held by the King Family Trust, for which the Reporting Person serves as trustee.

Key Figures

Shares withheld for tax obligations: 37,188 shares Reported per-share price: $29.00 per share Gift disposition: 37,812 shares +1 more

4 metrics

Shares withheld for tax obligations 37,188 shares October 15, 2026, in connection with RSU net settlement

Reported per-share price $29.00 per share October 15, 2026, withholding transaction

Gift disposition 37,812 shares October 16, 2026

Indirect acquisition by King Family Trust 37,812 shares October 16, 2026; King serves as trustee

Key Terms

restricted stock units, net settlement, tax withholding and remittance obligations, bona fide gift

4 terms

restricted stock units financial

"net settlement of restricted stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

net settlement financial

"in connection with the net settlement of restricted stock units"

tax withholding and remittance obligations financial

"satisfy its tax withholding and remittance obligations"

bona fide gift regulatory

"Bona fide gift"

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

FAQ

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

What insider transactions did CHYM Co-Founder Ryan A. King report?

Ryan A. King reported that 37,188 Class A shares were withheld on October 15, 2026, for tax withholding and remittance obligations tied to RSU net settlement. On October 16, 2026, a bona fide gift disposition of 37,812 shares was reported, alongside an indirect acquisition by King Family Trust.

Why were CHYM shares withheld from Ryan A. King?

The issuer withheld 37,188 shares to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units. The footnote says the withholding does not represent a sale by the reporting person.

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

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Available on EDGAR 10/16/2026 - 04:16 PM EDT Accepted by SEC EDGAR 10/16/2026 - 04:16 PM EDT Learn about SEC filing dates

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).

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^*

King Ryan A

(Last) (First) (Middle)

C/O CHIME FINANCIAL, INC.

101 CALIFORNIA STREET, SUITE 500

(Street)

SAN FRANCISCO CALIFORNIA 94111

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Co-Founder

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/15/2026

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

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

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

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	10/15/2026		F		37,188(1)	D	$29	154,479(2)	D
Class A Common Stock	10/16/2026		G		37,812	D	$0	116,667(2)	D
Class A Common Stock	10/16/2026		G		37,812	A	$0	37,812	I	See footnote(3)

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

Explanation of Responses:

1. Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units ("RSUs") and does not represent a sale by the Reporting Person.

2. 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.

3. The shares are held by the King Family Trust, for which the Reporting Person serves as trustee.

Remarks:

	/s/ Theresa Bloom, by power of attorney	10/16/2026
	** 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.
* Form 4: SEC 1474 (03-26)