SCHEDULE: Chime Co-Founder Ryan King Discloses 5.19% Stake

Chime Financial co-founder Ryan A. King has disclosed a beneficial ownership of 5.19% of the company's Class A Common Stock as of June 30, 2025.

Summary

• Ryan A. King, co-founder of Chime Financial, Inc., beneficially owns 18,526,462 shares of the company's Class A Common Stock as of June 30, 2025.
• This ownership represents 5.19% of the total Class A Common Stock outstanding.
• The ownership calculation is based on 338,594,524 shares of Class A Common Stock outstanding as of June 30, 2025.
• Mr. King holds sole voting power over 3,268,343 shares and shared voting power over 15,258,119 shares.
• He holds sole dispositive power over 3,268,343 shares and shared dispositive power over 15,214,269 shares.
• The beneficial ownership includes shares held directly by Mr. King, shares held by various family trusts for which he serves as attorney-in-fact, and shares subject to stock options and restricted stock units exercisable or vesting within 60 days of June 30, 2025.
• Specifically, 15,280,018 shares are Class B Common Stock, which are convertible into Class A Common Stock on a one-to-one basis and carry 20 votes per share, compared to one vote per share for Class A Common Stock.

Sentiment

Score: 6

Explanation: The sentiment is moderately positive as a co-founder's significant and controlling ownership stake (via Class B shares) generally signals confidence and long-term commitment to the company, which can be viewed favorably by investors. However, as a purely factual ownership disclosure, it lacks operational or financial performance details that would drive a higher sentiment score.

Positives

• The co-founder's significant beneficial ownership stake of 5.19% demonstrates continued alignment with the company's long-term success.
• The majority of the shares held are Class B Common Stock, which provides 20 votes per share, indicating strong voting control and stability from a key insider.

Risks

• The filing is a disclosure of beneficial ownership and does not inherently detail operational or financial risks of the company. Any risks would be external to this specific filing.

Future Outlook

This filing is a disclosure of beneficial ownership and does not contain forward-looking statements or guidance regarding the company's future performance or strategic outlook.

Industry Context

This filing is a standard regulatory disclosure of a significant ownership stake by a co-founder in a private fintech company, Chime Financial, Inc. It reflects an individual's investment position rather than broader industry trends or competitive dynamics.

Related Party Transactions

• Ryan A. King's beneficial ownership includes shares held by various family trusts (e.g., King Family Trust, King Irrevocable Trust A, King Grantor Trust MV, King Gift Trusts) for which he serves as attorney-in-fact, indicating a relationship between the reporting person and the entities holding a significant portion of the shares.

Stakeholder Impact

• Shareholders: The disclosure of a co-founder's significant and controlling stake (via Class B shares) may reassure shareholders about management's alignment with long-term company value.
• Management: Reinforces the co-founder's influence and commitment to the company's direction.

Key Dates

Keywords

Chime Financial, Ryan A. King, Beneficial Ownership, Schedule 13G, Class A Common Stock, Class B Common Stock, SEC Filing, Fintech, Financial Services