Chime Financial (CHYM) GC trades stock via 10b5-1 plan, exercises options

Rhea-AI Filing Summary

Chime Financial, Inc.'s General Counsel reported exercising employee stock options and selling company stock. On December 10, 2025, the officer exercised options at $16.56 for multiple lots of Class A common stock and sold 500-share lots at $25 and $26 pursuant to a Rule 10b5-1 trading plan adopted on September 8, 2025.

Following these trades, the reporting person beneficially owned 252,416 shares of Class A common stock, some of which are restricted stock units, and 361,000 employee stock options with a $16.56 exercise price expiring on August 31, 2033. Each restricted stock unit represents a contingent right to receive one share of Class A common stock, and the option grant began vesting on August 8, 2024, with one quarter vested then and the remainder vesting monthly, subject to continued service.

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)
12/10/2025

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	12/10/2025		M		2,000	A	$16.56	252,416(1)	D
Class A Common Stock	12/10/2025		M		500	A	$16.56	252,916(1)	D
Class A Common Stock	12/10/2025		S(2)		500	D	$25	252,416(1)	D
Class A Common Stock	12/10/2025		M		500	A	$16.56	252,916(1)	D
Class A Common Stock	12/10/2025		S(2)		500	D	$26	252,416(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	12/10/2025		M			2,000	(3)	08/31/2033	Class A Common Stock	2,000	$16.56	362,000	D
Employee Stock Option (Right to buy)	$16.56	12/10/2025		M			500	(3)	08/31/2033	Class A Common Stock	500	$16.56	361,500	D
Employee Stock Option (Right to buy)	$16.56	12/10/2025		M			500	(3)	08/31/2033	Class A Common Stock	500	$16.56	361,000	D

Explanation of Responses:

1. 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.

2. This sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan, adopted 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	12/11/2025
	** 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 insider transaction did Chime Financial (CHYM)'s General Counsel report?

The General Counsel of Chime Financial, Inc. reported exercising employee stock options and selling Class A common stock on December 10, 2025. Options were exercised at $16.56, and 500-share lots of stock were sold at $25 and $26 per share.

Were the Chime Financial (CHYM) stock sales made under a Rule 10b5-1 plan?

Yes. The sales were effected under a Rule 10b5-1 trading plan that was adopted on September 8, 2025, as stated in the explanation of responses.

How many Chime Financial (CHYM) shares does the officer own after these trades?

After the reported transactions, the officer beneficially owned 252,416 shares of Chime Financial Class A common stock, as shown in the non-derivative securities table.

What Chime Financial (CHYM) stock options does the officer continue to hold?

The reporting person continued to hold 361,000 employee stock options with an exercise price of $16.56 and an expiration date of August 31, 2033, according to the derivative securities table.

How do the Chime Financial (CHYM) RSUs and options vest for this officer?

Certain holdings are restricted stock units (RSUs), each representing a contingent right to receive one share of Class A common stock, subject to the vesting schedule and conditions of each RSU. The employee stock option grant vests with one quarter of the shares vested on August 8, 2024 and the remaining shares vesting in 1/48th increments monthly thereafter, subject to the reporting person's continued service.