[Form 4] Chime Financial, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Mark T. Troughton, Chief Operating Officer and Director of Chime Financial, Inc. (CHYM), reported a Section 16 transaction dated 09/08/2025. The filing shows 16,929 shares of Class A common stock were reported as disposed at a price of $24.34 per share, and the reporting person continues to beneficially own 2,636,693 shares directly. The form clarifies these 16,929 shares were withheld by the issuer to satisfy tax withholding related to net settlement of restricted stock units and were not a sale by the reporting person. The Form 4 was signed on behalf of the reporting person by power of attorney.

Positive

• Continued substantial insider ownership: Reporting person retains 2,636,693 shares directly after the transaction
• Transaction is administrative: Filing clarifies the 16,929-share disposition was issuer tax withholding for RSUs, not an insider sale

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine tax-withhold for RSU net settlement; not an active sell signal and ownership remains substantial.

The reported disposal of 16,929 shares at $24.34 is explained as issuer withholding to satisfy tax obligations from RSU net settlement, which the filing explicitly states is not a sale by the officer. Given the remaining direct ownership of 2,636,693 shares, this transaction is immaterial to overall stake size and unlikely to signal change in insider conviction. No new derivative positions or additional transfers are reported.

Corporate Governance Expert

TL;DR: Standard administrative withholding documented correctly; disclosure complies with Section 16 reporting requirements.

The Form 4 provides required disclosure of a withholding event tied to RSU net settlement and includes the ownership balance post-transaction. The signature by power of attorney is noted and acceptable. There are no indications of unusual trading patterns, departures, or governance issues from this filing alone.

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
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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^*

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)
	Chief Operating Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/08/2025

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	09/08/2025		F		16,929(1)	D	$24.34	2,636,693	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.

Remarks:

	/s/ Theresa Bloom, by power of attorney	09/10/2025
	** 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 did CHYM insider Mark T. Troughton report on 09/08/2025?

The Form 4 reports a disposition of 16,929 Class A shares at $24.34 and shows 2,636,693 shares beneficially owned after the transaction.

Was the 16,929-share transaction a sale by the insider (CHYM)?

No. The filing states the shares were withheld by the issuer to satisfy tax withholding from net settlement of restricted stock units and do not represent a sale by the reporting person.

What role does the reporting person hold at Chime Financial (CHYM)?

The reporting person, Mark T. Troughton, is listed as Chief Operating Officer and a Director of the issuer.

Who signed the Form 4 and when was it filed?

The Form 4 is dated with the transaction on 09/08/2025 and bears a signature by /s/ Theresa Bloom by power of attorney dated 09/10/2025.

Does the Form 4 show any derivative transactions or additional transfers?

No. Table II contains no derivative security entries; only the non-derivative withholding of shares is reported.

How material is the withholding relative to total post-transaction ownership?

The withheld 16,929 shares are small relative to the reported 2,636,693 shares owned after the transaction, indicating immaterial impact on stake size.