Chime Financial (CHYM) Co-Founder King gifts shares and has RSU tax shares withheld

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Chime Financial, Inc. director and Co-Founder Ryan A. King reported routine non-market share dispositions. On May 18, 2026, he made bona fide gifts of 7,480 shares of Class A Common Stock held directly and 7,480 shares held indirectly through the King Family Trust, where he serves as trustee.

On May 15, 2026, 4,187 shares were withheld by Chime to cover tax obligations tied to the net settlement of restricted stock units at $17.88 per share, which the company notes does not represent a sale by King. After these transactions, he holds 128,334 shares directly and 37,102 shares indirectly through the King Family Trust.

Insider Trade Summary

14,960 shares gifted

Mixed 3 txns

Insider King Ryan A

Role Co-Founder

Type	Security	Shares	Price	Value
Gift	Class A Common Stock	7,480	$0.00	--
Gift	Class A Common Stock	7,480	$0.00	--
Tax Withholding	Class A Common Stock	4,187	$17.88	$75K

Holdings After Transaction: Class A Common Stock — 128,334 shares (Direct, null); Class A Common Stock — 37,102 shares (Indirect, See footnote)

Footnotes (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 ("RSUs") and does not represent a sale by the Reporting Person. 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. The shares are held by the King Family Trust, for which the Reporting Person serves as trustee.

Key Figures

Gifted shares (direct): 7,480 shares Gifted shares (trust): 7,480 shares Total gifted shares: 14,960 shares +4 more

7 metrics

Gifted shares (direct) 7,480 shares Class A Common Stock gifted on May 18, 2026 (direct holding)

Gifted shares (trust) 7,480 shares Class A Common Stock gifted on May 18, 2026 (King Family Trust)

Total gifted shares 14,960 shares Sum of bona fide gifts reported in this filing

Tax-withheld shares 4,187 shares Shares withheld for RSU tax obligations on May 15, 2026

Tax-withholding price $17.88 per share Value used for RSU-related tax withholding disposition

Post-transaction direct holdings 128,334 shares Direct Class A Common Stock held after reported transactions

Post-transaction indirect holdings 37,102 shares Class A Common Stock held via King Family Trust after transactions

Key Terms

bona fide gift, restricted stock units ("RSUs"), net settlement, tax withholding and remittance obligations, +1 more

5 terms

bona fide gift financial

"transaction_code_description": "Bona fide gift""

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

restricted stock units ("RSUs") financial

"net settlement of restricted stock units ("RSUs") and does not represent a sale"

Restricted stock units (RSUs) are a company promise to give an employee shares of stock (or cash equivalent) in the future, but only after certain conditions—usually staying with the company for a set time or hitting performance goals—are met. Investors watch RSUs because when they vest they increase the number of shares outstanding and can lead insiders to sell shares, affecting share price, company dilution and the true cost of employee pay.

net settlement financial

"in connection with the net settlement of restricted stock units ("RSUs")"

tax withholding and remittance obligations financial

"withheld by the Issuer to satisfy its tax withholding and remittance obligations"

King Family Trust financial

"The shares are held by the King Family Trust, for which the Reporting Person"

Form 4 Insider Transactions: What Each Field Means →

05/18/2026 - 06:48 PM

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

CALIFORNIA

94111

(City)

(State)

(Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A Common Stock	05/15/2026		F		4,187⁽¹⁾	D	$17.88	135,814⁽²⁾	D
Class A Common Stock	05/18/2026		G		7,480	D	$0	128,334⁽²⁾	D
Class A Common Stock	05/18/2026		G		7,480	A	$0	37,102	I	See footnote⁽³⁾

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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 ("RSUs") 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.

3. The shares are held by the King Family Trust, for which the Reporting Person serves as trustee.

Remarks:

	/s/ Theresa Bloom, by power of attorney	05/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

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

Chime Financial reported that Co-Founder and director Ryan A. King completed bona fide gifts of Class A Common Stock and had shares withheld for taxes. These transactions involved gifts from both his direct holdings and the King Family Trust, plus tax-related withholding on vested RSUs.

How many Chime Financial (CHYM) shares did Ryan A. King gift?

Ryan A. King gifted 14,960 shares of Chime Financial Class A Common Stock in total. This included 7,480 shares from his direct holdings and 7,480 shares from shares held indirectly through the King Family Trust, where he serves as trustee.

Were any of Ryan A. King’s Chime Financial (CHYM) transactions open-market sales?

None of the reported transactions were open-market sales. The filing shows bona fide gifts of shares and a tax-withholding disposition where Chime withheld shares to cover RSU-related tax obligations, which the company explicitly states does not represent a sale by King.

How many Chime Financial (CHYM) shares were withheld for taxes from Ryan A. King?

Chime withheld 4,187 shares of Class A Common Stock from Ryan A. King to satisfy tax obligations related to net settlement of restricted stock units. The withholding price was reported as $17.88 per share and is characterized as a tax payment mechanism, not a market sale.

What are Ryan A. King’s Chime Financial (CHYM) holdings after these transactions?

After the reported transactions, Ryan A. King holds 128,334 shares of Chime Financial Class A Common Stock directly. He also holds 37,102 shares indirectly through the King Family Trust, reflecting his remaining equity position following the gifts and tax-withholding share reductions.

What role does the King Family Trust play in Chime Financial (CHYM) ownership?

The King Family Trust holds a portion of Ryan A. King’s Chime Financial shares. The filing states that he serves as trustee of the trust. Some of the gifted shares came from this trust, and 37,102 shares remain held there after the reported transactions.