Chime (CHYM) Protective Put Calculator
Calculator · free · no signup · CHYMPrice a protective put or zero-cost collar on Chime. Annual cost, max loss, upside cap, tax treatment, auto-filled from current CHYM option chain.
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You priced one hedge. The beta picks the right hedge structure given your full equity stack and tax situation.
Request beta access →About Chime
Chime (CHYM) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 12, 2025.
Last close: $17.64 per share (as of 2026-06-15).
Equity grants at Chime typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Chime Financial, Inc. is an American financial technology company based in San Francisco, California. It provides fee-free mobile banking services through partnerships with two national banks, Stride Bank and The Bancorp Bank. The company offers fee-free checking and savings accounts, debit cards, and other financial products through its mobile application.
Source: Wikipedia (CC BY-SA 4.0)
Chime Financial, founded in 2012 by Chris Britt and Ryan King, built a mobile-first neobank that generates revenue from Visa debit card interchange fees rather than overdraft charges or monthly fees. The platform partners with FDIC-insured banks to offer fee-free checking, a high-yield savings account, SpotMe overdraft protection, and early direct deposit access up to two days before payday. Chime reported $2.19 billion in revenue in 2025, up 31% year-over-year, with 9.5 million active members. It priced its Nasdaq IPO at $27 per share in June 2025, implying an $11.6 billion valuation.
Equity comp at Chime
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Chime.
A protective put caps your downside on the CHYM position at a chosen floor; a zero-cost collar pays for that floor by capping the upside. This calculator prices both structures off the current CHYM option chain, with annual cost, max loss, and tax-treatment notes.
Example: a 5,000-share CHYM position at $17.64 is worth $88,200. A 1-year 30%-OTM put on that position typically runs 2-4% of position value per year (about $1,764 to $3,528) before any premium offset from a short call. The calculator prices both structures off CHYM's current option chain so you see the actual cost for your chosen floor, tenor, and cap.
All Chime tools → · Use the generic Protect Your Stock Calculator for any company.
Chime equity questions
- How much does it cost to hedge CHYM stock?
- The cost of a protective put depends on how far below the current price you set the floor, how long the protection lasts, and CHYM's option-implied volatility. A zero-cost collar lowers that cost by selling away some upside. The calculator above prices both structures off the current CHYM option chain and shows the annual cost, maximum loss, and tax treatment.
- Does Chime grant ISOs, NSOs, or RSUs?
- Equity compensation at Chime typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the Chime IPO lockup expire?
- Chime (CHYM) went public on June 12, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around December 9, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Chime RSUs use double-trigger vesting?
- No. Chime restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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