Welcome to our dedicated page for Chime Financial SEC filings (Ticker: CHYM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Chime Financial, Inc. filings document the regulatory record for a Nasdaq-listed financial technology company offering digital banking access, payments products, and liquidity tools through bank partners. The company’s 8-K reports furnish quarterly and annual financial results, related earnings materials, and other corporate events.
Chime’s filings also cover Class A common stock repurchase authorizations, board actions, exhibits, and Inline XBRL cover-page data. Its proxy materials address shareholder voting matters, board governance, executive compensation, equity awards, and related annual meeting disclosures.
Chime Financial ownership update: Crosslink Capital reports beneficial ownership of 26,185,368 shares of Class A common stock and Michael J. Stark reports beneficial ownership of 120,696 shares, totaling 26,306,064 shares as of March 31, 2026. The holdings represent 7.5% of the Class A shares based on 350,471,830 shares outstanding as of March 31, 2026, per the issuer's Form 10-Q filed May 7, 2026. The filing states Crosslink-advised funds hold the 26,185,368 shares and that Stark is the control person of Crosslink.
Chime Financial, Inc. director and co-founder Ryan A. King reported conversions of Class B into Class A Common Stock through entities associated with him. Several derivative positions coded as conversions (C) turned Class B shares with a stated $0.0000 conversion price into 303,930 and multiple 87,700-share blocks of Class A Common Stock. Footnotes explain these shares were held by various King family trusts where he served as attorney-in-fact or trustee, and that as a result of the conversions he no longer has beneficial ownership over certain trust-held shares. Following the transactions, the filing shows 140,001 Class A shares held directly and 29,622 Class A shares held indirectly, alongside remaining Class B interests that are each convertible 1-for-1 into Class A.
Chime Financial, Inc. reported strong first-quarter growth with improving profitability. Revenue rose to $647.4 million, up 25% from the prior year, driven by higher card Purchase Volume of $38.7 billion and more platform-related fees from products like MyPay, instant transfers, and Instant Loans.
Net income increased to $53.5 million from $12.9 million, while adjusted EBITDA reached $118.6 million, an 18% margin. Active Members grew to 10.2 million and ARPAM improved to $263, showing better monetization per member.
The balance sheet showed $607.7 million in cash and equivalents and $403.6 million in marketable securities, with no borrowings under a $475.0 million credit facility. Operating cash flow was $87.5 million. The board later approved an additional $200.0 million Class A share repurchase authorization.
Chime Financial, Inc. reported strong first quarter 2026 results and authorized an additional $200 million Class A share repurchase program. Revenue reached $647 million, up 25% year-over-year, with gross profit of $580 million and a 90% gross margin.
Net income was $53 million for an 8% net margin, marking Chime’s first quarter of GAAP profitability as a public company. Adjusted EBITDA was $119 million with an 18% margin. Active Members grew 19% to 10.2 million, ARPAM rose to $263, and purchase volume reached $39–40 billion. Chime raised full‑year 2026 guidance to revenue of $2.66–$2.69 billion and adjusted EBITDA of $416–$431 million, and guided Q2 2026 revenue to $633–$643 million with adjusted EBITDA of $72–$77 million.
Chime Financial, Inc. is asking stockholders to vote at its virtual 2026 annual meeting on June 2, 2026. The agenda includes electing three Class I directors through 2029, ratifying Ernst & Young LLP as auditor for 2026, approving executive pay on an advisory basis, and choosing how often future Say‑on‑Pay votes occur.
Stockholders of record as of April 8, 2026, may vote, with Class A shares entitled to one vote and Class B shares to twenty votes; 349,836,050 Class A shares and 32,132,289 Class B shares were outstanding. The proxy details a majority‑vote standard for directors with a resignation policy, fully independent key board committees, and a lead independent director structure.
The filing reviews 2025 performance, noting revenue of $2.2 billion, 31% year‑over‑year growth, gross profit of $1.9 billion at an 88% margin, transaction profit of $1.5 billion at a 69% margin, a net loss of $1 billion driven largely by $928 million of IPO‑related stock‑based compensation, and Adjusted EBITDA of $127 million with a 6% margin. It also outlines non‑employee director fees and equity awards, including $200,000 annual RSU grants and optional RSU retainers in lieu of cash.
Chime Financial, Inc. reported that Chief Accounting Officer Asmerom Amine received new equity awards. He was granted an option to buy 75,048 shares of Class A Common Stock at an exercise price of $21.62 per share, expiring on March 11, 2036. Following this grant, he holds 75,048 option shares.
He also received 37,524 restricted stock units, each representing one share of Class A Common Stock, bringing his direct common stock holdings to 248,737 shares after the award. One‑sixteenth of the RSUs vest on May 15, 2026 and continue to vest quarterly, while the option vests 1/48 on March 15, 2026 and monthly thereafter, subject to continued service.
Chime Financial, Inc. General Counsel Adam B. Frankel reported equity compensation awards. He received an employee stock option for 225,142 shares of Class A Common Stock at an exercise price of $21.62 per share, expiring on March 11, 2036. He also received 112,571 shares of Class A Common Stock in the form of restricted stock units, bringing his direct common stock holdings to 322,233 shares after the grant.
The RSUs vest in 16 equal quarterly installments starting on May 15, 2026, contingent on continued service. The stock option vests over 48 monthly installments beginning on March 15, 2026, also subject to continued service.
Chime Financial, Inc. reported that Chief Financial Officer Matthew S. Newcomb received new equity compensation. He was granted an employee stock option covering 281,426 shares of Class A Common Stock at an exercise price of $21.62 per share, expiring on March 11, 2036. He also received 140,713 restricted stock units, each representing one share of Class A Common Stock, which begin vesting on May 15, 2026 and then quarterly, subject to his continued service. Following these awards, he directly holds 514,310 shares of Class A Common Stock, and 2,263,321 additional shares are held indirectly through the 2019 Newcomb Fox Family Trust, for which he and his spouse serve as trustees.
Chime Financial, Inc. reported that President Mark T. Troughton received equity compensation grants. He was awarded an employee stock option for 412,758 shares of Class A Common Stock at an exercise price of $21.6200 per share, expiring on March 11, 2036.
He also received 206,379 shares of Class A Common Stock as a grant, bringing his direct holdings to 2,886,106 shares. Footnotes state that certain awards are restricted stock units, with RSUs vesting quarterly starting on May 15, 2026 and option shares vesting monthly starting on March 15, 2026, contingent on continued service.