{"schema_version":"secwatch.filing_event.v1","accession":"0001795586-25-000004","form_type":"8-K","ticker":"CHYM","cik":"0001795586","company_name":"Chime Financial, Inc.","filed_at":"2025-08-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.018363+00:00","generated_at":"2026-05-17T18:03:59.236626+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Chime Q2 revenue $528M (+37% YoY); guides above expectations for Q3 and FY2025","bullets":["Revenue $528M (+37% YoY); payments revenue $366M (+19%), platform-related $162M (+113%).","Net loss $923M largely due to $928M stock-based compensation from IPO; adjusted EBITDA $16M (3% margin).","Transaction profit (non-GAAP) $363M (69% margin); Active Members 8.7M (+23% YoY).","Q3 2025 revenue guidance $525-535M (+24-27% YoY); FY2025 revenue $2.135-2.155B (+28-29%).","MyPay transaction margin tripled QoQ; ChimeCore migration now covers all new debit and savings accounts."],"urls":{"canonical":"https://secwatch.observer/filing/0001795586-25-000004","json":"https://secwatch.observer/filing/0001795586-25-000004.json","markdown":"https://secwatch.observer/filing/0001795586-25-000004.md","text":"https://secwatch.observer/filing/0001795586-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/0001795586-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795586/000179558625000004/chme-20250807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T18:03:59.236626+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}