Chime Financial, Inc.
CHYM · Finance Services · 67.0M shares · EDGAR filings ↗
Net buyback after stock comp: -$26M (gross $61K, SBC $26M)
Reference price $17.50 · est. market cap ~$1.2B — last insider sale, 2026-06-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C64Chime Financial — consumer neobank, net loss but FCF-positive and cash-rich.
Strengths
- Gross margin 88% (82nd pct); positive operating cash margin (71st); strong cash (91st)
- Fast revenue growth and large member base
Risks
- Net loss (stock-comp-heavy); interchange-revenue concentration
- Sponsor-bank dependence; competition
Notable findings
- Net lossNet loss (net margin -46.2%)
- Strong balance sheetStrong balance sheet — $1.1B cash & investments
- Insider sellingInsider selling — 7 open-market sale(s) by 4 insider(s) (cluster of 4 insiders, ~$3M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Gross margin
88.0%
Operating margin
-47.6%
Net margin
-46.2%
Return on equity
-72.1%
Return on assets
-51.4%
Revenue growth (QoQ)
8.6%
Current ratio
4.5×
EBITDA
-$1.0B
Tangible book value
$1.3B
Cash & investments
$1.1B
Stock comp / revenue
49.0%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | FRANKEL ADAM B | Sell | 3.0K | $17.50 |
| 2026-06-09 | FRANKEL ADAM B | Sell | 3.0K | $18.00 |
| 2026-06-02 | Dunne James J. III | Grant | 11K | — |
| 2026-06-02 | DECKER SUSAN L | Grant | 11K | — |
| 2026-06-02 | Feuille James | Grant | 11K | — |
| 2026-06-02 | CAROLAN SHAWN T | Grant | 11K | — |
| 2026-06-02 | Marshall Cynthia | Grant | 11K | — |
| 2026-05-18 | Britt Christopher R | Gift | 14K | — |
| 2026-05-18 | Newcomb Matthew S | Gift | 18K | — |
| 2026-05-18 | Newcomb Matthew S | Gift | 18K | — |
| 2026-05-18 | Britt Christopher R | Gift | 14K | — |
| 2026-05-18 | King Ryan A | Gift | 7.5K | — |
| 2026-05-18 | King Ryan A | Gift | 7.5K | — |
| 2026-05-15 | Britt Christopher R | Tax withheld | 9.2K | $17.88 |
| 2026-05-15 | FRANKEL ADAM B | Tax withheld | 12K | $17.88 |
| 2026-05-15 | Newcomb Matthew S | Tax withheld | 18K | $17.88 |
| 2026-05-15 | Asmerom Amine | Tax withheld | 12K | $17.88 |
| 2026-05-15 | Troughton Mark T | Tax withheld | 26K | $17.88 |
| 2026-05-15 | King Ryan A | Tax withheld | 4.2K | $17.88 |
| 2026-05-11 | King Ryan A | Conversion | 88K | — |
| 2026-05-11 | King Ryan A | Conversion | 88K | — |
| 2026-05-11 | King Ryan A | Conversion | 88K | — |
| 2026-05-11 | King Ryan A | Conversion | 304K | — |
| 2026-03-12 | Asmerom Amine | Grant | 38K | — |
| 2026-03-12 | Troughton Mark T | Grant | 206K | — |
| 2026-03-12 | FRANKEL ADAM B | Grant | 113K | — |
| 2026-03-12 | Newcomb Matthew S | Grant | 141K | — |
| 2026-03-02 | Marshall Cynthia | Sell | 35K | $22.28 |
| 2026-02-18 | Newcomb Matthew S | Gift | 23K | — |
| 2026-02-18 | King Ryan A | Gift | 7.1K | — |
| 2026-02-18 | Britt Christopher R | Gift | 14K | — |
| 2026-02-18 | Britt Christopher R | Gift | 14K | — |
| 2026-02-18 | King Ryan A | Gift | 7.1K | — |
| 2026-02-18 | Newcomb Matthew S | Gift | 23K | — |
| 2026-02-17 | FRANKEL ADAM B | Tax withheld | 9.2K | $19.69 |
| 2026-02-17 | Britt Christopher R | Tax withheld | 9.5K | $19.69 |
| 2026-02-17 | Asmerom Amine | Tax withheld | 11K | $19.69 |
| 2026-02-17 | Newcomb Matthew S | Tax withheld | 24K | $19.69 |
| 2026-02-17 | King Ryan A | Tax withheld | 4.5K | $19.69 |
| 2026-02-17 | Troughton Mark T | Tax withheld | 20K | $19.69 |
| 2026-01-15 | Dunne James J. III | Grant | 2.9K | — |
| 2026-01-15 | Feuille James | Grant | 4.9K | — |
| 2026-01-09 | Britt Christopher R | Sell | 50K | $28.06 |
| 2026-01-09 | Britt Christopher R | Conversion | 50K | — |
| 2026-01-09 | Newcomb Matthew S | Sell | 10K | $28.01 |
| 2026-01-09 | FRANKEL ADAM B | Option exercise | 500 | $16.56 |
| 2026-01-09 | FRANKEL ADAM B | Sell | 500 | $28.00 |
| 2026-01-08 | FRANKEL ADAM B | Sell | 4.4K | $27.29 |
| 2026-01-08 | FRANKEL ADAM B | Option exercise | 9.3K | $16.56 |
| 2025-12-16 | Feuille James | Sell | 7.2K | $24.82 |
| 2025-12-15 | Troughton Mark T | Tax withheld | 9.5K | $26.19 |
| 2025-12-11 | FRANKEL ADAM B | Option exercise | 500 | $16.56 |
| 2025-12-11 | Feuille James | Sell | 108K | $26.77 |
| 2025-12-11 | Feuille James | Sell | 68K | $27.69 |
| 2025-12-11 | FRANKEL ADAM B | Sell | 500 | $27.00 |
| 2025-12-10 | FRANKEL ADAM B | Option exercise | 500 | $16.56 |
| 2025-12-10 | FRANKEL ADAM B | Option exercise | 2.0K | $16.56 |
| 2025-12-10 | FRANKEL ADAM B | Option exercise | 500 | $16.56 |
| 2025-12-10 | FRANKEL ADAM B | Sell | 500 | $25.00 |
| 2025-12-10 | FRANKEL ADAM B | Sell | 500 | $26.00 |
| 2025-12-08 | FRANKEL ADAM B | Sell | 6.8K | $23.84 |
| 2025-12-08 | Troughton Mark T | Grant | 80K | — |
| 2025-12-08 | FRANKEL ADAM B | Option exercise | 6.0K | $16.56 |
| 2025-11-28 | Asmerom Amine | Sell | 35K | $20.31 |
| 2025-11-26 | Asmerom Amine | Sell | 50K | $20.05 |
| 2025-11-21 | Britt Christopher R | Gift | 39K | — |
| 2025-11-21 | Britt Christopher R | Gift | 39K | — |
| 2025-11-21 | Newcomb Matthew S | Gift | 103K | — |
| 2025-11-21 | Newcomb Matthew S | Gift | 103K | — |
| 2025-11-21 | King Ryan A | Gift | 22K | — |
| 2025-11-21 | King Ryan A | Gift | 22K | — |
| 2025-11-20 | Newcomb Matthew S | Tax withheld | 14K | $18.43 |
| 2025-11-20 | Asmerom Amine | Tax withheld | 11K | $18.43 |
| 2025-11-20 | Britt Christopher R | Tax withheld | 13K | $18.43 |
| 2025-11-20 | FRANKEL ADAM B | Tax withheld | 10K | $18.43 |
| 2025-11-20 | King Ryan A | Tax withheld | 4.2K | $18.43 |
| 2025-11-20 | Troughton Mark T | Tax withheld | 7.4K | $18.43 |
| 2025-10-09 | Asmerom Amine | Grant | 93K | — |
| 2025-09-08 | King Ryan A | Tax withheld | 4.2K | $24.34 |
| 2025-09-08 | Newcomb Matthew S | Tax withheld | 14K | $24.34 |
| 2025-09-08 | Asmerom Amine | Tax withheld | 7.6K | $24.34 |
| 2025-09-08 | FRANKEL ADAM B | Tax withheld | 10K | $24.34 |
| 2025-09-08 | Troughton Mark T | Tax withheld | 17K | $24.34 |
| 2025-09-08 | Britt Christopher R | Tax withheld | 11K | $24.34 |
| 2025-08-27 | CAROLAN SHAWN T | Grant | 7.6K | — |
| 2025-08-27 | Feuille James | Grant | 7.6K | — |
| 2025-08-27 | Marshall Cynthia | Grant | 7.6K | — |
| 2025-08-27 | Dunne James J. III | Grant | 7.6K | — |
| 2025-08-27 | DECKER SUSAN L | Grant | 7.6K | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 489K | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 3.8M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 489K | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 3.8M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 3.8M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 489K | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 489K | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 489K | — |
| 2025-06-13 | Marshall Cynthia | Buy | 375 | $27.00 |
| 2025-06-13 | Troughton Mark T | Other | 2.7M | — |
| 2025-06-13 | Troughton Mark T | Other | 2.7M | — |
| 2025-06-13 | Newcomb Matthew S | Other | 551K | — |
| 2025-06-13 | Newcomb Matthew S | Other | 2.1M | — |
| 2025-06-13 | Newcomb Matthew S | Other | 551K | — |
| 2025-06-13 | Newcomb Matthew S | Other | 2.1M | — |
| 2025-06-13 | Marshall Cynthia | Other | 64K | — |
| 2025-06-13 | Marshall Cynthia | Other | 64K | — |
| 2025-06-13 | Marshall Cynthia | Buy | 1.5K | $27.00 |
| 2025-06-13 | Marshall Cynthia | Buy | 375 | $27.00 |
| 2025-06-13 | King Ryan A | Other | 44K | — |
| 2025-06-13 | King Ryan A | Other | 22K | — |
| 2025-06-13 | King Ryan A | Other | 12.2M | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 304K | — |
| 2025-06-13 | King Ryan A | Other | 225K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 44K | — |
| 2025-06-13 | King Ryan A | Other | 197K | — |
| 2025-06-13 | King Ryan A | Other | 12.2M | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 304K | — |
| 2025-06-13 | King Ryan A | Other | 225K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 44K | — |
| 2025-06-13 | King Ryan A | Other | 197K | — |
| 2025-06-13 | King Ryan A | Other | 12.2M | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 900K | — |
| 2025-06-13 | King Ryan A | Other | 304K | — |
| 2025-06-13 | King Ryan A | Other | 225K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | King Ryan A | Other | 88K | — |
| 2025-06-13 | FRANKEL ADAM B | Other | 271K | — |
| 2025-06-13 | FRANKEL ADAM B | Other | 271K | — |
| 2025-06-13 | Feuille James | Conversion | 23.8M | — |
| 2025-06-13 | Feuille James | Other | 23.8M | — |
| 2025-06-13 | Feuille James | Other | 23.8M | — |
| 2025-06-13 | Dunne James J. III | Other | 64K | — |
| 2025-06-13 | Dunne James J. III | Other | 64K | — |
| 2025-06-13 | DECKER SUSAN L | Other | 6.7K | — |
| 2025-06-13 | DECKER SUSAN L | Other | 57K | — |
| 2025-06-13 | DECKER SUSAN L | Other | 6.7K | — |
| 2025-06-13 | DECKER SUSAN L | Other | 57K | — |
| 2025-06-13 | CAROLAN SHAWN T | Conversion | 17.4M | — |
| 2025-06-13 | CAROLAN SHAWN T | Other | 17.4M | — |
| 2025-06-13 | CAROLAN SHAWN T | Other | 17.4M | — |
| 2025-06-13 | Britt Christopher R | Other | 368K | — |
| 2025-06-13 | Britt Christopher R | Other | 14.6M | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 333K | — |
| 2025-06-13 | Britt Christopher R | Other | 368K | — |
| 2025-06-13 | Britt Christopher R | Other | 14.6M | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 333K | — |
| 2025-06-13 | Britt Christopher R | Other | 15K | — |
| 2025-06-13 | Britt Christopher R | Other | 14.6M | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 500K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 467K | — |
| 2025-06-13 | Britt Christopher R | Other | 333K | — |
| 2025-06-13 | Asmerom Amine | Other | 232K | — |
| 2025-06-13 | Asmerom Amine | Other | 232K | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 3.8M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 2.5M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 2.1M | — |
| 2025-06-13 | DST Global Advisors Ltd | Conversion | 489K | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 23.9M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 12.3M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 7.2M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 3.8M | — |
| 2025-06-13 | DST Global Advisors Ltd | Other | 3.8M | — |
| 2025-06-12 | Troughton Mark T | Tax withheld | 104K | $27.00 |
| 2025-06-12 | Asmerom Amine | Tax withheld | 118K | $27.00 |
| 2025-06-12 | FRANKEL ADAM B | Tax withheld | 47K | $27.00 |
| 2025-06-12 | Newcomb Matthew S | Tax withheld | 78K | $27.00 |
| 2025-06-12 | King Ryan A | Tax withheld | 4.2K | $27.00 |
| 2025-06-12 | Britt Christopher R | Tax withheld | 8.4K | $27.00 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-04 | 2026-06-02 | 0001795586-26-000042 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001795586-26-000038 ↗ |
| 8-K | 2026-05-06 | 2026-05-06 | 0001795586-26-000035 ↗ |
| 10-K | 2026-03-06 | 2025-12-31 | 0001795586-26-000013 ↗ |
| 8-K | 2026-02-25 | 2026-02-25 | 0001795586-26-000004 ↗ |
| 8-K | 2025-12-10 | 2025-12-08 | 0001795586-25-000023 ↗ |
| 10-Q | 2025-11-10 | 2025-09-30 | 0001795586-25-000019 ↗ |
| 8-K | 2025-11-05 | 2025-11-05 | 0001795586-25-000015 ↗ |
| 10-Q | 2025-08-11 | 2025-06-30 | 0001795586-25-000009 ↗ |
| 8-K | 2025-08-07 | 2025-08-07 | 0001795586-25-000004 ↗ |