{"schema_version":"secwatch.filing_event.v1","accession":"0001795586-25-000015","form_type":"8-K","ticker":"CHYM","cik":"0001795586","company_name":"Chime Financial, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.488256+00:00","generated_at":"2026-05-17T00:22:21.746923+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Chime Q3 revenue up 29% YoY to $544M; raises FY2025 outlook, authorizes $200M buyback","bullets":["Revenue $544M (+29% YoY), net loss $55M; Adjusted EBITDA $29M (5% margin, +9pp YoY).","Active Members 9.1M (+21% YoY); acquisition cost per new member fell >10% for 3rd consecutive quarter.","MyPay transaction margin >45%; OIT volume $640M in Q3.","Q4 revenue guidance $572-582M; FY2025 revenue outlook raised to $2.163-2.173B.","Board authorized $200M share repurchase program, reflecting confidence in financial strength."],"urls":{"canonical":"https://secwatch.observer/filing/0001795586-25-000015","json":"https://secwatch.observer/filing/0001795586-25-000015.json","markdown":"https://secwatch.observer/filing/0001795586-25-000015.md","text":"https://secwatch.observer/filing/0001795586-25-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/0001795586-25-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795586/000179558625000015/chme-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:22:21.746923+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"}