Chime Financial (CHYM) insider reports 9,522-share tax withholding transaction

Rhea-AI Filing Summary

Chime Financial, Inc.'s president reported an insider transaction involving Class A common stock. On 12/15/2025, 9,522 shares were withheld at $26.19 per share to cover tax obligations arising from the net settlement of restricted stock units, and this did not involve an open-market sale by the officer.

After this withholding, the officer beneficially owns 2,699,764 shares and restricted stock units in total, with each RSU representing a contingent right to receive one share of Class A common stock, subject to vesting conditions.

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).

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^*

Troughton Mark T

(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)
	President

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

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	12/15/2025		F		9,522(1)	D	$26.19	2,699,764(2)	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

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 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.

Remarks:

	/s/ Theresa Bloom, by power of attorney	12/16/2025
	** 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).
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FAQ

What insider transaction did Chime Financial (CHYM) report in this filing?

Chime Financial reported that its president had 9,522 shares of Class A common stock withheld on 12/15/2025 to satisfy tax withholding obligations related to restricted stock units.

Was the 9,522-share transaction by Chime Financial's president an open-market sale?

No. The filing explains that the 9,522 shares were withheld by the issuer to meet tax withholding and remittance obligations in connection with RSU settlement and do not represent a sale by the reporting person.

How many Chime Financial (CHYM) shares does the president own after this transaction?

Following the withholding, the president beneficially owns 2,699,764 securities, which include shares and restricted stock units of Chime Financial's Class A common stock.

What are the restricted stock units (RSUs) mentioned in the Chime Financial filing?

The filing states that certain securities are RSUs, and each RSU represents a contingent right to receive one share of Chime Financial's Class A common stock, subject to the applicable vesting schedule and conditions.

What was the price used for the Chime Financial tax withholding transaction?

The 9,522 withheld shares of Chime Financial Class A common stock were valued at $26.19 per share for purposes of satisfying the tax withholding obligation.

Who is the reporting person in this Chime Financial (CHYM) Form 4?

The reporting person is an officer of Chime Financial, Inc., serving in the role of President, as indicated in the relationship section of the filing.