[SCHEDULE 13G] Chime Financial, Inc. SEC Filing

Rhea-AI Filing Summary

Christopher R. Britt reports beneficial ownership totaling 20,458,329 shares of Chime Financial, Inc. Class A common stock, representing 5.70% of the Class A outstanding shares on June 30, 2025. This total reflects direct holdings of Class A shares, stock options and restricted stock units exercisable or vesting within 60 days, plus the assumed conversion of 16,924,872 Class B shares which Britt is deemed to beneficially own. Class B shares convert into Class A shares and carry 20 votes per share, while Class A shares carry one vote each. The filing discloses the split of voting and dispositive power between sole and shared authority, with 3,548,567 shares under sole voting power and 16,909,762 shares under shared voting power.

Positive

• Transparent breakdown of beneficial ownership across Class A and Class B shares, options, RSUs, and trust holdings
• Quantified voting power including the number of shares with sole and shared voting authority
• Disclosure of conversion mechanics showing Class B shares convert to Class A and carry 20 votes per share

Negative

• None.

Insights

Financial Analyst

TL;DR: CEO-level beneficial ownership of 20.46M shares (5.70% of Class A) and control via 16.9M shared voting rights signals concentrated founder influence.

The filing quantifies Mr. Britt's economic and voting exposure across Class A and Class B shares, including options and RSUs exercisable or vesting within 60 days and the assumed conversion of Class B shares. For investors, the combination of meaningful economic stake and disproportionate voting power from Class B shares indicates sustained founder control despite a modest reported percentage of Class A. The breakdown of sole versus shared voting and dispositive power clarifies which holdings Mr. Britt directly controls versus those held through trusts and other arrangements.

Corporate Governance Expert

TL;DR: Dual-class structure and trust holdings concentrate voting influence with Mr. Britt, affecting corporate governance and shareholder voting dynamics.

The statement provides clear disclosure of shares held in trust, convertible holdings, and near-term exercisable securities, and emphasizes that Class B shares each carry 20 votes. This structure preserves long-term control by the reporting person and related trusts. The filing documents shared voting power tied to trust arrangements and identifies the precise share counts that feed into governance calculations, which is useful for assessing control and potential conflicts of interest.

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

Christopher R. Britt

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 3,548,567.00
6	Shared Voting Power 16,909,762.00
7	Sole Dispositive Power 3,548,567.00
8	Shared Dispositive Power 16,576,762.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

20,458,329.00

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)

5.70 %

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: Christopher R. Britt
(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: Christopher R. Britt 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) 14,643,564 shares of Class B Common Stock held by the Britt Living Trust, for which Mr. Britt serves as trustee, (ii) 500,000 shares of Class B Common Stock held by the Tiger Trust, for which William Gheen III serves as trustee, (iii) 500,000 shares of Class B Common Stock held by the Aloha Trust, for which William Gheen III serves as trustee, (iv) 466,599 shares of Class B Common Stock held by the Tiger GRAT, for which William Gheen III serves as trustee, (v) 466,599 shares of Class B Common Stock held by the Aloha GRAT, for which William Gheen III serves as trustee, (vi) 333,000 shares of Class B Common Stock held by Mr. Britt's spouse, (vii) 15,110 shares of Class A Common Stock held by Mr. Britt, (viii) 3,509,915 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 (ix) 23,542 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: 5.70% 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. Britt by the Issuer, which number includes shares of Class A Common Stock, subject to stock options and restricted stock units, beneficially held by Mr. Britt and exercisable or scheduled to vest, as applicable, within 60 days of June 30, 2025, plus the assumed conversion of 16,924,872 shares of Class B Common Stock deemed beneficially owned by Mr. Britt, 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: 3,548,567 shares
	(ii) Shared power to vote or to direct the vote: 16,909,762 shares
	(iii) Sole power to dispose or to direct the disposition of: 3,548,567 shares
	(iv) Shared power to dispose or to direct the disposition of: 16,576,762 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.

Christopher R. Britt

Signature:	/s/ Christopher R. Britt
Name/Title:	Chief Executive Officer
Date:	08/14/2025

FAQ

How many Chime Financial (CHYM) shares does Christopher R. Britt beneficially own?

Mr. Britt beneficially owns 20,458,329 shares of Chime Financial on an aggregate basis as reported.

What percentage of Chime Financial Class A does Britt's ownership represent?

The filing reports that these holdings represent 5.70% of the Class A common stock outstanding.

How do Class B shares held or deemed owned by Britt affect voting power?

Each Class B share is convertible into one Class A share and carries 20 votes per share, concentrating voting influence.

Which holdings are exercisable or vesting soon and included in the reported ownership?

Included are 3,509,915 Class A shares convertible via options exercisable within 60 days and 23,542 Class A shares via RSUs scheduled to vest within 60 days.

How many shares does Britt have sole voting power over versus shared voting power?

The filing shows 3,548,567 shares under sole voting power and 16,909,762 shares under shared voting power.