Schedule 13G: Ryan A. King Discloses 18.5M Shares in Chime Financial

Rhea-AI Filing Summary

Ryan A. King filed a Schedule 13G reporting beneficial ownership of 18,526,462 shares, representing 5.19% of Chime Financial, Inc.'s Class A common stock. The filing breaks down holdings across multiple trusts and personal accounts, including 15,280,018 Class B shares held via trusts and other vehicles that are convertible into Class A shares. Class B shares carry 20 votes per share while Class A shares carry one vote each. The total share count used to calculate the percentage was 338,594,524 Class A shares outstanding as of June 30, 2025, as confirmed by the issuer. The filing indicates Mr. King serves as attorney-in-fact for several trusts and discloses sole and shared voting and dispositive powers.

Positive

• Comprehensive disclosure of holdings across trusts and personal accounts providing clear beneficial ownership figures
• Clear explanation of conversion rights and voting differentials between Class A and Class B shares
• Quantified voting and dispositive powers (sole vs shared) enabling precise assessment of control

Negative

• Concentrated voting power through 15,280,018 Class B shares carrying 20 votes each, implying outsized control relative to economic ownership
• Ownership equals 5.19% on a converted basis which, while disclosed, represents a material stake that may influence governance

Insights

Financial Analyst

TL;DR: Disclosure shows meaningful insider-aligned ownership but limited economic stake relative to total float (5.19%).

The Schedule 13G details that Ryan A. King beneficially owns 18,526,462 shares (5.19% of Class A on a converted basis). The position comprises numerous trust-held Class B shares convertible into Class A and equity subject to near-term option/RSU vesting. For investors, the filing quantifies ownership and voting influence but does not report any transaction activity or change in economics beyond the stated holdings. The numeric breakdown of sole versus shared voting and dispositive power is explicit and allows precise assessment of control exposure.

Corporate Governance Expert

TL;DR: Concentrated voting power via Class B shares is evident; disclosure clarifies conversion and voting differentials but shows no change in group status.

Mr. King’s beneficial ownership includes 15,280,018 Class B shares, each with 20 votes, which implies substantial voting influence despite a single-digit economic ownership percentage. The filing states he acts as attorney-in-fact for multiple trusts and lists specific sole and shared voting and dispositive powers, supplying transparency on governance rights. The statement confirms no group affiliation and contains no certifications of transactions or changes in control beyond the holdings disclosed.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Chime Financial, Inc.

(Name of Issuer)

Class A Common Stock, par value $0.0001 per share

(Title of Class of Securities)

16935C109

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 16935C109

1

Names of Reporting Persons

Ryan A. King

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 3,268,343.00
6	Shared Voting Power 15,258,119.00
7	Sole Dispositive Power 3,268,343.00
8	Shared Dispositive Power 15,214,269.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

18,526,462.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.19 %

12

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Chime Financial, Inc.
(b)	Address of issuer's principal executive offices: 101 California Street, Suite 500 San Francisco, CA 94111
Item 2.
(a)	Name of person filing: Ryan A. King
(b)	Address or principal business office or, if none, residence: c/o Chime Financial, Inc. 101 California Street, Suite 500 San Francisco, CA 94111
(c)	Citizenship: Ryan A. King is a United States citizen.
(d)	Title of class of securities: Class A Common Stock, par value $0.0001 per share
(e)	CUSIP No.: 16935C109
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: As of June 30, 2025, consists of (i) 12,183,739 shares of Class B Common Stock held by the King Family Trust, for which Mr. King serves as attorney-in-fact, (ii) 900,000 shares of Class B Common Stock held by King Irrevocable Trust A, for which Mr. King serves as attorney-in-fact, (iii) 900,000 shares of Class B Common Stock held by King Irrevocable Trust M, for which Mr. King serves as attorney-in-fact, (iv) 303,930 shares of Class B Common Stock held by Peninsula Living Trust, for which Mr. King serves as attorney-in-fact, (v) 225,000 shares of Class B Common Stock held by King Grantor Trust MV, for which Mr. King serves as attorney-in-fact, (vi) 87,700 shares of Class B Common Stock held by King Gift Trust AK, for which Mr. King serves as attorney-in-fact, (vii) 87,700 shares of Class B Common Stock held by King Gift Trust AV, for which Mr. King serves as attorney-in-fact, (viii) 87,700 shares of Class B Common Stock held by King Gift Trust CV, for which Mr. King serves as attorney-in-fact, (ix) 87,700 shares of Class B Common Stock held by King Gift Trust EK, for which Mr. King serves as attorney-in-fact, (x) 87,700 shares of Class B Common Stock held by King Gift Trust LK, for which Mr. King serves as attorney-in-fact, (xi) 87,700 shares of Class B Common Stock held by King Gift Trust MK, for which Mr. King serves as attorney-in-fact, (xii) 87,700 shares of Class B Common Stock held by King Gift Trust NV, for which Mr. King serves as attorney-in-fact, (xiii) 87,700 shares of Class B Common Stock held by King Gift Trust SK, for which Mr. King serves as attorney-in-fact, (xiv) 43,850 shares of Class B Common Stock held by Maureen Vergara, (xv) 7,491 shares of Class A Common Stock and 14,408 shares of Class B Common Stock held by Mr. King, (xvi) 3,234,777 shares of Class A Common Stock, convertible into Class B Common Stock, subject to stock options exercisable within 60 days of June 30, 2025, and (xvii) 11,667 shares of Class A Common Stock, convertible into Class B Common Stock, subject to restricted stock units scheduled to vest within 60 days of June 30, 2025. Each share of Class B Common Stock is convertible into one share of Class A Common Stock at the option of the holder and has no expiration date. Each share of Class B Common Stock is entitled to 20 votes per share, whereas each share of Class A Common Stock is entitled to one vote per share. The rights of the holders of Class A Common Stock and Class B Common Stock are identical, except with respect to the aforementioned conversion rights and voting rights.
(b)	Percent of class: 5.19% The ownership percentage above is calculated based on 338,594,524 shares of Class A Common Stock outstanding as of June 30, 2025, as confirmed to Mr. King by the Issuer, which number includes shares of Class A Common Stock, subject to stock options and restricted stock units, beneficially held by Mr. King and exercisable or scheduled to vest, as applicable, within 60 days of June 30, 2025, plus the assumed conversion of 15,280,018 shares of Class B Common Stock deemed beneficially owned by Mr. King, as described herein, into shares of Class A Common Stock.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 3,268,343 shares
	(ii) Shared power to vote or to direct the vote: 15,258,119 shares
	(iii) Sole power to dispose or to direct the disposition of: 3,268,343 shares
	(iv) Shared power to dispose or to direct the disposition of: 15,214,269 shares
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	Not Applicable

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Ryan A. King

Signature:	/s/ Ryan A. King
Name/Title:	Co-Founder
Date:	08/14/2025

FAQ

How many shares of CHYM does Ryan A. King beneficially own?

The filing reports 18,526,462 shares beneficially owned by Ryan A. King.

What percentage of Chime Financial (CHYM) does Mr. King own?

The filing states this amount represents 5.19% of Class A common stock on a converted basis.

What is the makeup of Mr. King's holdings in the Schedule 13G?

Holdings include multiple trusts and personal accounts, comprising 15,280,018 Class B shares, various Class A shares, options exercisable within 60 days, and RSUs vesting within 60 days.

Do Class B shares have different voting rights than Class A shares?

Yes. The filing states each Class B share has 20 votes per share, while each Class A share has one vote per share.

Does Ryan A. King file this Schedule 13G as part of a group?

No. The filing indicates not applicable for group identification and shows no group affiliation.