Chime Financial co-founder awarded 450,282 stock options

Chime Financial, Inc. director and Co-Founder Ryan A. King received an option grant for 450,282 shares of Class A Common Stock.

Rhea-AI Filing Summary

Chime Financial, Inc. director and Co-Founder Ryan A. King received an option grant for 450,282 shares of Class A Common Stock. The employee stock option has an exercise price of $21.62 per share and expires on March 11, 2036. According to the vesting terms, 1/48th of the shares will vest on March 15, 2026, with 1/48th vesting monthly thereafter, contingent on his continued service. After this grant, he holds options covering 450,282 underlying shares directly.

Insights

Equity compensation analyst

Routine option grant to co-founder, structured as long-term equity compensation.

Co-Founder Ryan A. King was granted options over 450,282 Class A shares at a strike price of $21.62, expiring in 2036. This is a classic equity award, not an open-market purchase or sale, so it mainly reflects compensation structure.

The vesting schedule—1/48th on March 15, 2026 and monthly thereafter—creates a four-year vesting horizon tied to continued service. This aligns his incentives with longer-term company performance rather than signaling a near-term view on the stock.

Insider Trade Summary

Grant/Award: 450,282 shares

Grant/Award 1 txn

Insider King Ryan A

Role Co-Founder

Type	Security	Shares	Price	Value
Grant/Award	Employee Stock Option (Right to buy)	450,282	$0.00	$0.00

Holdings After Transaction: Employee Stock Option (Right to buy) — 450,282 contracts (Direct)

Footnotes (1)

1. F1. 1/48th of the shares subject to the option will vest on March 15, 2026 and 1/48th of the shares vest monthly thereafter, subject to the Reporting Person's continued service through each vesting date.

FAQ

What insider transaction did Chime Financial (CHYM) report for Ryan A. King?

Chime Financial reported that Co-Founder and director Ryan A. King received an option grant for 450,282 shares of Class A Common Stock at an exercise price of $21.62 per share as part of his equity compensation.

Is Ryan A. King buying or selling Chime Financial (CHYM) stock in this Form 4?

The Form 4 shows no open-market buying or selling. Instead, Ryan A. King received a grant of employee stock options, which is classified as an acquisition of derivative securities, not a market trade in the common stock itself.

What are the vesting terms of Ryan A. King’s new Chime Financial (CHYM) options?

The option grant vests over four years. 1/48th of the shares will vest on March 15, 2026, and 1/48th will vest monthly thereafter, provided Ryan A. King continues to serve the company through each vesting date.

What is the exercise price and expiration date of the new Chime Financial options?

The employee stock option granted to Ryan A. King carries an exercise price of $21.62 per share and an expiration date of March 11, 2036, giving him a long window to potentially exercise the options if they vest.

How many Chime Financial (CHYM) options does Ryan A. King hold after this grant?

After this transaction, Ryan A. King holds options covering 450,282 underlying shares of Chime Financial Class A Common Stock directly. This reflects the full size of the newly granted option award reported in the Form 4 filing.

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

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Accepted by SEC EDGAR 03/16/2026 - 07:24 PM 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 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)

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

3. Date of Earliest Transaction (Month/Day/Year)
03/12/2026

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

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)	$21.62	03/12/2026		A		450,282		(1)	03/11/2036	Class A Common Stock	450,282	$0	450,282	D

Explanation of Responses:

1. 1/48th of the shares subject to the option will vest on March 15, 2026 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	03/16/2026
	** 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.