Chime Financial, Inc. SEC Filings

Chime Financial (CHYM) reported Q3 2025 results. Revenue reached $543.5 million, up from $421.9 million a year ago, with gross profit of $474.1 million. Operating loss was $64.7 million and net loss was $54.7 million, or $0.15 per share.

For the first nine months, revenue totaled $1.59 billion and net loss was $965.2 million, reflecting $1.00 billion of stock-based compensation expense recognized after the June 2025 IPO. Liquidity improved with cash and cash equivalents of $445.0 million and marketable securities of $633.7 million. The company closed an IPO that generated approximately $770.6 million in net proceeds and established a $475.0 million senior secured revolving credit facility with no amounts drawn. Product obligation measured at fair value was $134.3 million. As of November 5, 2025, shares outstanding were 342,395,697 Class A and 32,182,289 Class B.

Chime Financial, Inc. announced a new share repurchase program authorizing the company to buy back up to $200.0 million of its Class A common stock. Repurchases may occur from time to time via open market or privately negotiated transactions, including under Rule 10b5-1 plans and in accordance with Rule 10b-18. The program is discretionary and may be suspended or discontinued at any time.

Chime also furnished a press release with its financial results for the quarter ended September 30, 2025, and plans to host an earnings call on November 5, 2025 at 2:00 p.m. PT/5:00 p.m. ET.

Chime Financial, Inc. (CHYM) officer Asmerom Amine reported the acquisition of 93,000 restricted stock units (RSUs) on 10/09/2025. Each RSU represents a contingent right to one share of Class A common stock and was reported at a $0 price because RSUs are equity awards, not open-market purchases. After the award, the reporting person beneficially owns 317,336 shares/RSU-equivalents. The filing states 11/15/2025 as the first vesting date for one-sixteenth of the RSUs, with quarterly vesting thereafter, subject to continued service. The disclosure was signed by power of attorney on 10/10/2025.

Chime Financial Form 4/A reports conversion and reclassification of pre-IPO preferred and common shares into Class A common stock, changing beneficial ownership structures for several DST-related entities. The filing shows that a number of Series D, E and F preferred shares were converted one-for-one into common stock and then reclassified into Class A common stock in an exempt transaction. Multiple DST-managed funds are reported as acquiring Class A shares (for example, 23,924,810 shares by DST Global VI, L.P. and 12,291,630 shares by DST Investments XXI, L.P.), with corresponding disposals of common stock through conversion. The reporting clarifies indirect ownership chains through DST Managers, DST Global Advisors, Cardew Services, Galileo (PTC) and Despoina Zinonos, each disclaiming beneficial ownership except for any pecuniary interest.

Ryan A. King, a co-founder, officer and director of Chime Financial, Inc. (CHYM), reported a transaction dated 09/08/2025. The Form 4 shows 4,175 shares of Class A common stock were disposed under transaction code F at a price of $24.34. The filing clarifies those 4,175 shares were withheld by the issuer to satisfy tax withholding in connection with net settlement of restricted stock units and did not represent a sale by the reporting person. After the reported transaction, the reporting person beneficially owns 178,317 shares. The filer also corrected a prior reporting aggregation by noting 7,491 shares were inadvertently included in a June 13, 2025 Form 4 reclassification total.

Chime Financial insider filing shows a CEO/director disposition and a correction to prior reporting. The Form 4 reports that Christopher R. Britt, who serves as Chief Executive Officer and a director, had 10,778 shares of Class A common stock withheld on 09/08/2025 at a price of $24.34 per share to satisfy tax withholding related to the net settlement of restricted stock units; the filing states this withholding does not represent a sale by the reporting person. The filing also corrects a prior Form 4 by increasing beneficial ownership by 15,110 shares that were inadvertently misclassified. Following the reported transaction, the filing shows 357,458 shares beneficially owned.

Matthew S. Newcomb, Chief Financial Officer of Chime Financial, Inc. (CHYM), reported a transaction dated 09/08/2025 in which 13,887 shares of Class A common stock were withheld by the issuer at an average price of $24.34 to satisfy tax withholding related to the net settlement of restricted stock units. After the withholding, Mr. Newcomb directly beneficially owns 536,927 shares and indirectly beneficially owns 2,147,872 shares held by the 2019 Newcomb Fox Family Trust, for which he and his spouse serve as trustees. The Form 4 clarifies the withholding does not represent a sale by the reporting person.

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.

Adam B. Frankel, General Counsel of Chime Financial, Inc. (CHYM), reported a transaction on 09/08/2025. The filing shows 10,103 shares of Class A common stock were disposed of at $24.34 per share, leaving the reporting person with 261,279 shares beneficially owned. The form states these shares were withheld by the issuer to satisfy tax withholding in connection with net settlement of restricted stock units and explicitly notes this withholding does not represent a sale by the reporting person. The Form 4 was signed by a power of attorney on behalf of the reporting person on 09/10/2025.