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, Inc. reported that Chief Executive Officer Christopher R. Britt received a grant of employee stock options covering 900,563 shares of Class A Common Stock. The options carry an exercise price of $21.62 per share and were reported on March 12, 2026.
According to the vesting terms, 1/48th of the option shares will vest on March 15, 2026, with 1/48th vesting monthly thereafter, subject to his continued service through each vesting date. Following this award, the filing shows option holdings of 900,563 derivative securities held directly.
Chime Financial, Inc. director and Co-Founder Ryan A. King received an option grant for 450,282 shares of Class A Common Stock. The employee stock option has an exercise price of $21.62 per share and expires on March 11, 2036. According to the vesting terms, 1/48th of the shares will vest on March 15, 2026, with 1/48th vesting monthly thereafter, contingent on his continued service. After this grant, he holds options covering 450,282 underlying shares directly.
Chime Financial, Inc. describes a digital-first financial services platform built to help “everyday Americans” earning up to $100,000 manage spending, saving, liquidity and credit without punitive bank fees. The company serves 9.5 million Active Members, many of whom use Chime as their primary financial relationship as of December 31, 2025.
Chime earns most of its revenue from interchange fees when members spend on Chime-branded debit and secured credit cards issued by FDIC‑insured partners The Bancorp Bank, N.A. and Stride Bank, N.A. It highlights competitive strengths such as its proprietary ChimeCore payments and ledger system, AI- and ML‑driven risk decisioning, a low cost-to-serve model, and a trusted consumer brand.
The filing outlines growth strategies including deeper product adoption, new offerings in areas like longer-term savings, investing, insurance and rewards, expansion into higher income segments, and employer-based distribution through Chime Enterprise and Chime Workplace. It also details extensive regulatory, consumer protection, and partnership risks that could affect its business and profitability.
Chime Financial director Cynthia Marshall reported selling 35,000 shares of Class A Common Stock in an open-market transaction. The sale occurred on March 2, 2026 at a weighted average price of $22.2764 per share, with individual trades ranging from $21.9250 to $22.4800.
After the sale, Marshall directly held 37,795 shares. In addition, 375 shares are held by her spouse and 375 shares are held by her daughter as indirect ownership. Certain securities referenced are restricted stock units, each representing a contingent right to receive one share of Class A Common Stock subject to vesting conditions.
Morgan Stanley Smith Barney LLC intends to sell 35,000 common shares of CHYM. The shares are restricted stock that vested 06/12/2025 under a registered plan and are listed for sale through a broker on NASDAQ.
The filing identifies the sale as resulting from services rendered and lists 35,000 shares to be sold by the broker.
Chime Financial reported strong growth for 2025, with revenue rising to $2.19 billion, up 31% year over year, and fourth-quarter revenue reaching $596 million, up 25%. Gross margin stayed high at 88–89%, while non-GAAP adjusted EBITDA improved to $127 million, a 6% margin.
The company still posted a GAAP net loss of $1.01 billion and a net margin of (46)%, largely tied to $928 million of stock-based compensation around its IPO. Active Members grew 19% to 9.5 million, ARPAM increased to $257, and purchase volume rose to $134 billion.
Management highlighted rapid scaling of MyPay to over $400 million in annualized revenue at roughly 60% transaction margin and noted that AI and the ChimeCore platform are lowering costs and boosting productivity. For 2026, Chime guides to $2.63–$2.67 billion in revenue, adjusted EBITDA of $380–$400 million, and expects its first full year of GAAP profitability.
Chime Financial general counsel Adam B. Frankel reported a tax-related share disposition. On the transaction date, 9,187 shares of Class A Common Stock were withheld by Chime Financial to cover tax obligations tied to net-settled RSUs, leaving him with 209,662 directly held shares. The filing notes this withholding does not represent an open-market sale by Frankel.
Chime Financial, Inc.’s Chief Accounting Officer Asmerom Amine reported a tax-related share disposition tied to restricted stock units. On the reported date, 10,957 shares of Class A common stock, valued at $19.69 per share, were withheld by the company to cover tax obligations from the net settlement of RSUs and did not involve an open-market sale by Amine. After this withholding, he directly holds 211,213 shares of Class A common stock.
Chime Financial, Inc. President Mark T. Troughton reported a tax-related share disposition tied to restricted stock units. On February 17, 2026, 20,037 shares of Class A Common Stock, valued at $19.69 per share, were withheld by the company to cover tax withholding and remittance obligations arising from the net settlement of RSUs. The footnote clarifies this was not an open-market sale by Troughton. After this withholding, he directly owned 2,679,727 shares of Chime Class A Common Stock, including RSUs that each represent a right to receive one share upon vesting conditions.
Chime Financial, Inc. Chief Financial Officer Matthew S. Newcomb reported several non-market dispositions of Class A Common Stock. On February 18, 2026, he made bona fide gifts of 22,523 shares held directly and 22,523 shares held indirectly through the 2019 Newcomb Fox Family Trust, where he and his spouse serve as trustees.
On February 17, 2026, 23,993 shares were withheld by Chime Financial to cover tax obligations arising from the net settlement of restricted stock units. The filing notes this tax-withholding disposition does not represent an open-market sale by Newcomb.