Chime Financial (NYSE: CHYM) counsel exercises options, sells shares

Rhea-AI Filing Summary

Chime Financial General Counsel Adam B. Frankel reported an option exercise and share sale in Chime Financial, Inc. Class A Common Stock. On January 9, 2026, he exercised an employee stock option covering 500 shares at $16.56 per share, acquiring 500 shares. The same day, he sold 500 Class A shares at $28 per share under a Rule 10b5-1 trading plan adopted on September 8, 2025. Following these transactions, he beneficially owned 218,849 Class A shares and 273,567 employee stock options, held directly. Footnotes note that certain holdings are in the form of RSUs and that option vesting is tied to continued service.

Insider Trade Summary

Net Seller: 500 shares ($14,000)

Net Sell 3 txns

Insider FRANKEL ADAM B

Role General Counsel

Sold 500 shs ($14K)

Type	Security	Shares	Price	Value
Exercise	Employee Stock Option (Right to buy)	500	$16.56	$8K
Exercise	Class A Common Stock	500	$16.56	$8K
Sale	Class A Common Stock	500	$28.00	$14K

Holdings After Transaction: Employee Stock Option (Right to buy) — 273,567 shares (Direct); Class A Common Stock — 219,349 shares (Direct)

Footnotes (1)

1. Certain of these securities are restricted stock units ("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. These shares were sold pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on September 8, 2025. 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.

Form 4 Insider Transactions: What Each Field Means →

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)
01/09/2026

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	01/09/2026		M		500	A	$16.56	219,349(1)	D
Class A Common Stock	01/09/2026		S(2)		500	D	$28	218,849(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	01/09/2026		M			500	(3)	08/31/2033	Class A Common Stock	500	$16.56	273,567	D

Explanation of Responses:

1. Certain of these securities are restricted stock units ("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. These shares were sold pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on 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	01/13/2026
	** 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.

FAQ

What insider transaction did Chime Financial (CHYM) report for Adam B. Frankel?

On January 9, 2026, General Counsel Adam B. Frankel exercised an employee stock option for 500 shares of Class A Common Stock at $16.56 per share and sold 500 Class A shares at $28 per share.

How many Chime Financial (CHYM) shares does Adam B. Frankel own after this Form 4?

After the reported transactions, Adam B. Frankel beneficially owned 218,849 shares of Chime Financial Class A Common Stock and 273,567 employee stock options, held directly.

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

Yes. The sale of 500 Class A shares at $28 per share was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on September 8, 2025.

What is the exercise price and vesting schedule of the Chime Financial (CHYM) options?

The reported employee stock option has an exercise price of $16.56 per share. According to the footnote, 1/4 of the shares vested on August 8, 2024 and 1/48 of the shares vest monthly thereafter, subject to continued service.

Does Adam B. Frankel hold restricted stock units (RSUs) in Chime Financial (CHYM)?

The footnotes state that certain securities are RSUs, each representing a contingent right to receive one share of Chime Financial Class A Common Stock, subject to applicable vesting schedules and conditions.