Chime Financial (CHYM) GC exercises options and sells shares Jan 8

Rhea-AI Filing Summary

Chime Financial, Inc. General Counsel Adam B. Frankel reported multiple equity transactions dated January 8, 2026. He exercised 9,349 employee stock options with an exercise price of $16.56 per share, receiving the same number of Class A common shares. He also sold 4,382 Class A shares at a weighted average price of $27.2869 per share, with individual sale prices ranging from $26.99 to $27.68, under a pre‑arranged Rule 10b5‑1 trading plan adopted on September 8, 2025.

Following these transactions, his reported direct beneficial ownership was 218,849 shares of Class A common stock and 274,067 stock options. A footnote explains that some of the reported securities are restricted stock units (RSUs), each representing a contingent right to one share subject to vesting. Another footnote notes a prior transfer of shares, RSUs, and options to a former spouse under a domestic relations order, which are no longer reported as beneficially owned.

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

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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)
01/08/2026

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	01/08/2026		S(1)		4,382	D	$27.2869(2)	209,500(3)(4)	D
Class A Common Stock	01/08/2026		M		9,349	A	$16.56	218,849(3)	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	01/08/2026		M			9,349	(5)	08/31/2033	Class A Common Stock	9,349	$16.56	274,067	D

Explanation of Responses:

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

2. The reported price in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $26.99 to $27.68 per share, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities Exchange Commission, upon request, full information regarding the number of shares sold at each separated price within the range set forth in this footnote.

3. 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.

4. Since the date of the Reporting Person's last ownership report, he transferred 15,269 shares of the Issuer's Class A Common Stock, RSUs representing a contingent right to receive 23,265 shares of the Issuer's Class A Common Stock and stock options to purchase an aggregate of 113,880 shares of the Issuer's Class A Common Stock to his former spouse pursuant to a domestic relations order. The Reporting Person no longer reports as beneficially owned any securities owned by his former spouse.

5. 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	01/09/2026
	** 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).
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FAQ

What insider transactions did Chime Financial (CHYM) report for January 8, 2026?

On January 8, 2026, Chime Financial General Counsel Adam B. Frankel exercised 9,349 employee stock options at $16.56 per share and sold 4,382 Class A common shares at a weighted average price of $27.2869 per share.

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

Yes. A footnote states the sale reported on this Form 4 was effected pursuant to a Rule 10b5‑1 trading plan adopted on September 8, 2025.

How many Chime Financial (CHYM) shares did the insider sell and at what price?

The reporting person sold 4,382 shares of Class A common stock at a weighted average price of $27.2869 per share, with individual trades ranging from $26.99 to $27.68 per share.

How many options did the Chime Financial (CHYM) General Counsel exercise?

He exercised 9,349 employee stock options with an exercise price of $16.56 per share, resulting in the acquisition of 9,349 Class A common shares.

What is the Chime Financial (CHYM) insider's reported ownership after these transactions?

After the reported January 8, 2026 transactions, the Form 4 shows 218,849 shares of Class A common stock directly owned and 274,067 employee stock options beneficially owned.

What do the Form 4 footnotes say about RSUs and prior transfers for Chime Financial (CHYM)?

One footnote explains that certain reported securities are RSUs, each representing a contingent right to one Class A share subject to vesting. Another states that since the last report, the insider transferred 15,269 shares, RSUs for 23,265 shares, and options for 113,880 shares to a former spouse under a domestic relations order and no longer reports those securities as beneficially owned.

How do the Chime Financial (CHYM) stock options held by the insider vest?

A footnote states that for the option listed, 1/4 of the shares 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.