Risk factors
Chime Financial (CHYM) risk factors
Item 1A of every Chime Financial, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors53 risks
Chime faces heavy concentration risks around its bank partners and interchange fees. Rapid growth brings scalability, fraud, and credit loss risks from products like SpotMe and MyPay. Extensive federal and state regulations, including CFPB oversight, heavily impact operations.
Filed Mar 06, 2026