Chime co-founder acquires 75K shares via PSUs

Chime Financial’s co-founder converted 75,000 performance stock units into Class A shares upon achievement of stock price performance conditions.

Rhea-AI Filing Summary

Chime Financial, Inc. (CHYM) reported that Co-Founder and director Ryan A. King exercised 75,000 Performance Stock Units (PSUs) into 75,000 shares of Class A Common Stock on September 13, 2026, after the People, Culture and Compensation Committee determined applicable stock price performance conditions were met. Following this transaction, he held 191,667 Class A shares directly and 525,000 PSUs/RSUs and similar equity awards in total, some of which are restricted stock units subject to vesting.

Insider Trade Summary

75,000 shares exercised/converted

Exercise 2 txns

Insider King Ryan A

Role Co-Founder

Type	Security	Shares	Price	Value
Exercise	Performance Stock Units F3, F4	75,000	$0.00	$0.00
Exercise	Class A Common Stock F1, F2	75,000	$0.00	$0.00

Holdings After Transaction: Performance Stock Units — 525,000 contracts (Direct); Class A Common Stock — 191,667 shares (Direct)

Footnotes (4)

1. F1. Represents the acquisition of shares upon the determination of the People, Culture and Compensation Committee of the Board of Directors of the Issuer on September 13, 2026 that certain stock price performance conditions were met with respect to 75,000 performance stock units ("PSUs") granted to the Reporting Person on April 3, 2025.
2. F2. Certain of these securities are restricted stock units ("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. F3. Each PSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions.
4. F4. The PSU grant, originally for 600,000 PSUs, vests based on the Issuer's stock price performance period beginning on the first trading day immediately following a 180 calendar day period that began on (and includes) the first trading day after June 12, 2025 and ends on June 12, 2033, subject to the Reporting Person satisfying certain service-based conditions.

Key Figures

PSUs exercised: 75,000 units Class A shares acquired: 75,000 shares Post-transaction Class A holdings: 191,667 shares +3 more

6 metrics

PSUs exercised 75,000 units Performance Stock Units converted into Class A Common Stock on September 13, 2026

Class A shares acquired 75,000 shares Shares of Chime Financial Class A Common Stock received from PSU exercise on September 13, 2026

Post-transaction Class A holdings 191,667 shares Direct Class A Common Stock owned by Ryan A. King after the transaction

Post-transaction PSU/RSU-style awards 525,000 units Total equity awards of similar type reported as held following the PSU exercise

Original PSU grant size 600,000 PSUs Performance Stock Units originally granted on April 3, 2025 and vesting through June 12, 2033

Performance period end date June 12, 2033 End of stock price performance period governing vesting of the 600,000 PSU grant

Key Terms

Performance Stock Units, Restricted Stock Units, contingent right, stock price performance, +1 more

5 terms

Performance Stock Units financial

"Represents the acquisition of shares upon the determination ... with respect to 75,000 performance stock units"

Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.

Restricted Stock Units financial

"Certain of these securities are restricted stock units ("RSUs"). Each RSU represents a contingent right"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

contingent right financial

"Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock"

stock price performance financial

"The PSU grant, originally for 600,000 PSUs, vests based on the Issuer's stock price performance period"

People, Culture and Compensation Committee regulatory

"upon the determination of the People, Culture and Compensation Committee of the Board of Directors"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did CHYM co-founder Ryan A. King report on this Form 4?

Ryan A. King reported the exercise of 75,000 Performance Stock Units into 75,000 shares of Class A Common Stock on September 13, 2026, after stock price performance conditions for those PSUs were determined to be met by a board committee.

How many Chime Financial (CHYM) Class A shares does Ryan A. King hold after this transaction?

After the reported transaction, Ryan A. King directly holds 191,667 shares of Chime Financial Class A Common Stock, according to the post-transaction ownership figure listed in the Form 4 non-derivative transaction row.

What triggered the vesting of the 75,000 PSUs reported for CHYM?

The 75,000 PSUs vested upon the determination by the People, Culture and Compensation Committee on September 13, 2026 that certain stock price performance conditions were met under a PSU grant originally awarded on April 3, 2025.

What were the original terms of the PSU grant referenced in this CHYM Form 4?

The PSU grant was originally for 600,000 PSUs that vest based on Chime’s stock price performance during a period beginning after a 180-day window starting the first trading day after June 12, 2025 and ending on June 12, 2033, subject to service-based conditions.

Does this CHYM Form 4 indicate trades under a Rule 10b5-1 trading plan?

No. The filing’s Rule 10b5-1 checkbox is not checked, and there is no footnote stating that the reported PSU exercise or share acquisition was made pursuant to a Rule 10b5-1 trading plan.

What are the vesting features of the RSUs mentioned in the CHYM Form 4?

The filing states that certain securities are Restricted Stock Units (RSUs), each representing a contingent right to receive one share of Class A Common Stock, subject to the applicable vesting schedule and conditions specified for each RSU grant.

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

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Available on EDGAR 09/15/2026 - 05:06 PM Accepted by SEC EDGAR 09/15/2026 - 05:06 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 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)
09/13/2026

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)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	09/13/2026		M		75,000(1)	A	$0	191,667(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
Performance Stock Units	(3)	09/13/2026		M			75,000	(4)	(4)	Class A Common Stock	75,000	$0	525,000	D

Explanation of Responses:

1. Represents the acquisition of shares upon the determination of the People, Culture and Compensation Committee of the Board of Directors of the Issuer on September 13, 2026 that certain stock price performance conditions were met with respect to 75,000 performance stock units ("PSUs") granted to the Reporting Person on April 3, 2025.

2. Certain of these securities are restricted stock units ("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. Each PSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions.

4. The PSU grant, originally for 600,000 PSUs, vests based on the Issuer's stock price performance period beginning on the first trading day immediately following a 180 calendar day period that began on (and includes) the first trading day after June 12, 2025 and ends on June 12, 2033, subject to the Reporting Person satisfying certain service-based conditions.

Remarks:

	/s/ Theresa Bloom, by power of attorney	09/15/2026
	** 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)