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.
This page provides access to Chime Financial, Inc. (Nasdaq: CHYM) SEC filings, giving investors a direct view into the company’s regulatory disclosures. As a consumer financial technology company focused on core banking services and low-cost banking and payments products, Chime uses its filings to report financial performance, key metrics, and significant corporate actions.
Chime files current reports on Form 8-K to announce material events such as quarterly financial results and board-authorized programs. For example, 8-K filings have covered results for the second and third quarters of 2025 and disclosed the authorization of a share repurchase program for Class A common stock. These reports often reference accompanying press releases furnished as exhibits, which include details on revenue, non-GAAP measures like adjusted EBITDA and transaction margin, and operating metrics such as Active Members, ARPAM, and Purchase Volume.
Through Stock Titan, users can review Chime’s SEC filings alongside AI-powered summaries that explain the significance of each document in clearer language. Real-time updates from EDGAR help surface new filings as they appear, whether they are periodic reports like 10-K and 10-Q, current reports on Form 8-K, or other required disclosures.
Investors interested in topics such as Chime’s payments and platform-related revenue mix, use of non-GAAP metrics, or definitions of key operating indicators can use this page to locate the underlying filings where those items are described. Over time, this filings archive helps users analyze trends in Chime’s financial results, understand how management presents its performance, and track corporate actions such as share repurchase authorizations and other board-level decisions.
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.
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.