{"schema_version":"secwatch.filing_event.v1","accession":"0001795586-26-000046","form_type":"8-K","ticker":"CHYM","cik":"0001795586","company_name":"Chime Financial, Inc.","filed_at":"2026-08-05T20:10:43+00:00","discovered_at":"2026-08-05T20:12:30.200370+00:00","generated_at":"2026-08-05T20:12:49.491629+00:00","sec_items":["2.02","2.05","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Chime Q2 revenue $670M (+27% YoY), GAAP net income $28M; raises FY outlook; cuts 10% staff; CFO departs","bullets":["Revenue $670M (+27% YoY); GAAP net income $28M (4% margin); second consecutive profitable quarter.","Active Members 10.4M (+20% YoY); ARPAM $260 (+6%); PV $38B (+17% YoY).","MyPay transaction profit $73M (more than tripled); Instant Loans originations $300M (+70% QoQ).","Raised FY2026 revenue guidance to $2.725-2.745B (25-26% growth); Q3 revenue guidance $680-690M.","Announced 10% workforce reduction ($16-20M cash charges); CFO Newcomb steps down, Troughton interim CFO."],"urls":{"canonical":"https://secwatch.observer/filing/0001795586-26-000046","json":"https://secwatch.observer/filing/0001795586-26-000046.json","markdown":"https://secwatch.observer/filing/0001795586-26-000046.md","text":"https://secwatch.observer/filing/0001795586-26-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/0001795586-26-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/chym-20260731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:12:49.491629+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"}