{"filings":[{"id":2272317,"accession_number":"0001193125-26-352390","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-08-14T20:30:16+00:00","items":["5.02"],"status":"ready","headline":"Dave Inc. director Yadin Rozov resigns from board effective August 12, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Yadin Rozov resigned from Dave Inc.'s Board of Directors effective August 12, 2026, citing personal reasons.","Resignation was not related to any disagreement with the Company on operations, policies, or practices.","Board thanked Rozov for his service and contributions during his term as director."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2079043,"accession_number":"0001193125-26-335119","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-08-05T20:11:28+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q2 revenue $170.8M (+30% YoY), Adj. EBITDA $75.5M (+48%), raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $170.8M, up 30% YoY; net income $6.7M includes $36.9M non-cash warrant/earnout charges.","Adjusted EBITDA $75.5M (44% margin), up 48% YoY; Adj. diluted EPS $4.12, up 48% YoY.","Raises FY 2026 revenue guidance to $725-735M, Adj. EBITDA to $315-325M, Adj. EPS to $17.00-17.50.","MTM grew 17% to 3.08M; ExtraCash originations $2.3B (+27%); 28-DPD improved to 2.12%.","Cash and investments $254.4M; $94.1M remaining under share repurchase authorization."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":808004,"accession_number":"0001193125-26-253774","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-06-02T21:00:15+00:00","items":["5.07"],"status":"ready","headline":"Dave Inc. stockholders elect directors and approve executive compensation at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Director Dan Preston elected with 17,520,094 votes for, 2,766,061 withheld, 2,150,061 broker non-votes.","Advisory vote on executive compensation approved: 19,881,104 for, 374,020 against, 31,031 abstain, 2,150,061 broker non-votes.","Advisory vote on frequency: every 1 year chosen with 19,948,465 votes (vs. 2 years: 175,469, 3 years: 142,503); board adopts annual frequency.","Ratification of Deloitte & Touche LLP as auditor for FY 2026 approved: 22,358,229 for, 40,988 against, 36,999 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96116,"accession_number":"0001193125-26-206471","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q1 revenue $158.4M (+47% YoY); net income $57.9M (+101%); raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $57.9M, up 101% YoY; adjusted EBITDA $69.3M, up 57% YoY.","28-day past due rate hit record Q1 low of 1.69%; net monetization expanded to 5.1% (highest in 4+ years).","Deployed ~$195M in share repurchases during Q1, representing 7.0% of shares outstanding.","FY 2026 revenue guidance raised to $710-720M; Adj. EBITDA to $305-315M; Adj. diluted EPS to $16.25-16.75."],"consensus_eps_estimate":null,"consensus_eps_actual":4.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":158414000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109736,"accession_number":"0001193125-26-098802","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-03-09T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Dave Inc. closes $200M 0% convertible notes offering, repurchases $70.5M shares","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $200M aggregate principal of 0% Convertible Senior Notes due 2031, net proceeds ~$192.1M.","Used $70.5M of proceeds to repurchase ~0.3M shares at $210.67 per share.","Entered capped call transactions covering ~0.7M shares with cap price initially $421.34/share to offset dilution.","Notes convertible at initial rate of 3.5825 shares per $1,000 (initial conversion price ~$279.13).","Remaining net proceeds for general corporate purposes, including additional buybacks."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109735,"accession_number":"0001193125-26-094530","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-03-06T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Dave prices $175M 0% convertible notes due 2031; repurchases ~334K shares","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Pricing of $175M (upsized from $150M) 0% Convertible Senior Notes due 2031; initial purchasers option for additional $25M.","Initial conversion price $279.13/share (~32.5% premium over $210.67); capped calls raise effective premium to 100% (cap $421.34).","Net proceeds ~$168M; ~$70.5M to repurchase ~334K shares from note purchasers; ~$15.1M for capped calls.","Notes are senior unsecured, mature April 1, 2031; redeemable after April 2029 if stock ≥130% of conversion price for 20 days.","Expected close March 9, 2026; offered via Rule 144A to qualified institutional buyers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109734,"accession_number":"0001193125-26-088439","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-03-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Dave Inc. announces $150M Convertible Senior Notes offering due 2031, with capped call and share repurchase","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offers $150M principal of 5-year convertible notes due 2031, with initial purchasers' option for additional $22.5M.","Interest payable semi-annually on April 1 and October 1, beginning October 1, 2026; notes mature April 1, 2031.","Proceeds used to fund capped call transactions, repurchase shares from note purchasers, and general corporate purposes.","Capped call transactions expected to reduce potential dilution upon conversion; concurrent share repurchase at pricing closing price.","Notes offered only to QIBs in reliance on Rule 144A; not registered under Securities Act or state law."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109733,"accession_number":"0001841408-26-000003","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-03-02T23:59:59+00:00","items":["2.02","5.02","8.01","9.01"],"status":"ready","headline":"Dave Q4 revenue +62% to $163.7M, net income +292% to $66.0M; FY 2025 revenue +60%; guides FY26 rev $690-710M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $163.7M (+62% YoY); GAAP net income $66.0M (+292%); Adj. EBITDA $72.9M (+118%).","FY 2025 revenue $554.2M (+60%); net income $195.9M (+238%); Adj. EBITDA $226.7M (+162%).","FY 2026 guidance: revenue $690-710M (25-28% growth), Adj. EBITDA $290-305M, Adj. EPS $14-$15.","Board authorized new $300M share repurchase program, replacing prior $125M program with $113.2M remaining.","MTMs up 19% to 2.93M; ExtraCash originations +50% to $2.2B; 28-day past due rate improved to 1.89%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109732,"accession_number":"0001193125-26-039438","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-02-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave prelim Q4 rev $164M (+62% YoY), Adj EBITDA $73M; FY rev $554M, Adj EBITDA $227M; beat top-end of guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 GAAP operating revenue $164M, up 62% YoY; FY2025 revenue $554M, up 60% YoY.","Q4 Adjusted EBITDA $73M (guidance $63M); FY Adjusted EBITDA $227M (guidance $217M), up 162% YoY.","4Q25 28DPD expected 1.95%-2.00%, improving from prior guidance of below 2.10%.","CEO cites 3rd consecutive quarter of 60%+ revenue growth; full earnings call on March 2, 2026.","Management views proposed 10% credit card rate cap as a tailwind for ExtraCash product."],"consensus_eps_estimate":null,"consensus_eps_actual":13.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":554182000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109731,"accession_number":"0001193125-26-016910","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Dave appoints Meta VP Nima Khajehnouri to board; Imran Khan resigns","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Imran Khan resigned from board effective upon successor appointment; no disagreement.","Nima Khajehnouri, VP Engineering at Meta, appointed to board and Audit Committee.","Khajehnouri receives pro-rated $50K director compensation and $165K RSU award.","Mike Pope named Lead Independent Director; Andrea Mitchell chairs Nominating & Governance Committee.","Brendan Carroll remains board member; Pope and Carroll previously held these roles."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126260,"accession_number":"0001193125-25-263535","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave reports Q3 revenue $150.8M (+63% YoY), GAAP net income $92.0M; raises FY2025 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $150.8M (+63% YoY); GAAP net income $92.0M vs $0.5M in 3Q24; Adj. EBITDA $58.7M (+137%).","ExtraCash originations $2.0B (+49%); monetization rate net of losses 4.8% (+45bps YoY); MTMs 2.77M (+17%).","New FY2025 guidance: revenue $544-547M (prior $505-515M), Adj. EBITDA $215-218M (prior $180-190M).","Repurchased $25M of shares in Q3; cash & equivalents $93.6M at Sep 30, no incremental credit facility use."],"consensus_eps_estimate":null,"consensus_eps_actual":8.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":390461000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143008,"accession_number":"0001193125-25-179459","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-08-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Dave Inc. expands share repurchase authorization to $125M from $50M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized new $125M share repurchase program, replacing prior $50M authorization.","Approximately $18.1M remained available under prior program as of Aug 12, 2025.","Since Aug 6 Q2 earnings release, company has deployed ~$25M to repurchase common stock.","Year-to-date, Dave has invested over $45M through share repurchases and RSU net settlements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143007,"accession_number":"0001193125-25-174014","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["1.01","2.02","9.01"],"status":"ready","headline":"Dave Q2 revenue up 64% to $131.7M, raises FY 2025 guidance; amends Coastal deal for $225M receivables","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $131.7M (+64% YoY); net income $9.1M (+42% YoY); adjusted EBITDA $50.9M (+236% YoY).","Adjusted diluted EPS $3.14 (+210% YoY); non-GAAP gross profit $92.0M (+78% YoY) with 70% margin.","Raises FY 2025 revenue guidance to $505-515M (prior $460-475M); adjusted EBITDA to $180-190M (prior $155-165M).","Monthly Transacting Members up 16% to 2.6M; ExtraCash originations up 51% to $1.8B.","First Amendment with Coastal Community Bank requires sale of up to $225M in receivables to Dave after 60 days on Coastal's balance sheet."],"consensus_eps_estimate":null,"consensus_eps_actual":2.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":239736000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143006,"accession_number":"0001193125-25-158858","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-07-15T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Dave expands CFO Kyle Beilman's role to include COO, effective July 11","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kyle Beilman promoted from CFO to CFO & COO, effective July 11, 2025.","Base salary increased from $450,000 to $475,000; target annual cash bonus of 75% of salary.","Long-term incentive compensation opportunity set at $4,000,000 annually.","Received prorated equity awards ~$1.175M in RSUs and PSUs with four-year vesting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161085,"accession_number":"0001193125-25-134152","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-06-03T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Dave Inc. stockholders elect directors and ratify auditor at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders representing 90.84% of voting power (24,499,476 shares) were present at the June 2, 2025 annual meeting.","Michael Pope and Yadin Rozov elected as Class I directors for three-year terms; Pope 19,521,525 votes for, Rozov 19,588,003 votes for.","Ratification of Deloitte & Touche LLP as independent auditor for FY 2025 passed with 24,493,754 votes for, 4,051 against.","Total votes withheld for Pope: 2,176,256; for Rozov: 2,109,778; broker non-votes on both: 2,801,695."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161084,"accession_number":"0001193125-25-115471","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q1 revenue hits $108.0M (+47% Y/Y); net income $28.8M; guides FY25 higher","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $28.8M (vs $34.2M in Q1 2024); adjusted EBITDA $44.2M, up 235% Y/Y.","ExtraCash originations $1.5B, up 46% Y/Y; 28-day delinquency rate improved 33bps to 1.50%.","FY2025 revenue guidance raised to $460-475M (prior $415-435M); Adj. EBITDA guidance raised to $155-165M (prior $110-120M).","Monthly transacting members rose 13% to 2.5M; Dave debit card spend up 24% to $488M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.97,"consensus_revenue_estimate":null,"consensus_revenue_actual":107979000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179279,"accession_number":"0001193125-25-050438","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Dave Inc. announces $50 million share repurchase authorization","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $50M buyback of Class A common stock; no fixed expiration date.","Company expects to begin repurchases imminently, subject to market conditions.","Repurchases may be made via open market or negotiated transactions under Rule 10b-18.","CFO cites confidence in financial strength, free cash flow, and favorable valuation.","Program may be suspended or terminated at any time; no obligation to buy any shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179278,"accession_number":"0001193125-25-044114","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave reports record Q4 revenue $100.9M (+38% YoY); FY net income $57.9M vs loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $100.9M (up 38% YoY); full-year revenue $347.1M (up 34% YoY).","Q4 GAAP net income $16.8M (vs $0.2M in Q4 2023); FY net income $57.9M vs FY loss of $48.5M.","Q4 Adjusted EBITDA $33.4M (up 234% YoY); FY Adj. EBITDA $86.5M vs loss of $10.1M.","FY 2025 guidance: revenue $415–435M (20–25% growth), Adj. EBITDA $110–120M (27–39% growth).","ExtraCash originations up 44% YoY to $1.5B in Q4; cash & equivalents $91.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179277,"accession_number":"0001193125-25-043439","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Dave (DAVE) enters exclusive sponsor bank agreement with Coastal Community Bank (CCB); onboarding Q2 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Coastal becomes exclusive sponsor bank for Dave’s banking products and simplified ExtraCash product; customer onboarding begins Q2 2025.","Agreement caps certain receivables held by Coastal at $100M each; Coastal may sell receivables to Dave after holding period.","Dave pays tiered fees on card transaction volume and minimum monthly fee; Coastal shares interchange revenue and pays management fee based on Fed Funds Rate.","Initial term of five years, automatic renewal; exclusive for new customers after beta; existing customers transitioned within 24 months of beta launch.","Dave funds cash collateral account; parent guarantee via separate Assurance Agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179276,"accession_number":"0001193125-25-030195","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2025-02-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Dave completes shift from optional Tips to 5% fee structure on ExtraCash","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Replaced optional Tips (as low as $0) with a flat 5% fee; $5 minimum, $15 cap per transaction.","No additional fees for instant transfer of ExtraCash funds to Dave Checking accounts.","Early testing shows positive member feedback and improved lifetime value; full migration underway in early 2025.","New structure simplifies pricing for all members; aligns with Dave's mission to level the financial playing field."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195947,"accession_number":"0001193125-24-287056","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-12-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Dave Inc. Announces DOJ Amended Complaint in FTC Lawsuit and New Fee Structure for ExtraCash","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["DOJ filed amended civil complaint on Dec 30, 2024, adding civil money penalties claim and naming CEO Jason Wilk as defendant.","Dave believes the lawsuit is government overreach and intends to vigorously defend itself in court.","Company eliminated optional tips and express fees for its ExtraCash product; new mandatory fee structure effective for new members since Dec 4, 2024.","Full implementation of new fee structure expected in early 2025; company outlook remains positive with Q4 2024 earnings call in March."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195946,"accession_number":"0001193125-24-255957","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q3 revenue up 41% YoY to $92.5M; raises FY2024 revenue and Adj. EBITDA guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $0.5M vs. loss of $12.1M YoY; Adj. EBITDA of $24.7M, up $27.2M YoY.","FY2024 revenue guidance raised to $340–343M (prior $310–325M); Adj. EBITDA guidance raised to $71–74M (prior $40–50M).","Monthly transacting members up 23% to 2.4M; ExtraCash originations up 46% to $1.4B; delinquency rate improved 64 bps to 1.78%.","Non-binding LOI entered for strategic partnership with a publicly traded fintech sponsor bank to diversify commercial relationships.","Cash and equivalents $76.7M as of Sep 30, 2024; no increase in credit facility utilization during the quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":3.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":246236000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195945,"accession_number":"0001193125-24-255242","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Dave Inc. enters non-binding LOI for strategic partnership with sponsor bank","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["LOI with a leading publicly-traded sponsor bank to originate ExtraCash, hold deposits, issue debit cards, and provide ACH.","Partnership includes collaboration on next-generation banking and credit products for over 11 million members.","Non-binding; definitive agreements to be negotiated; bank name to be announced upon execution.","CEO cites scale and member growth as drivers for diversifying key commercial relationships."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195944,"accession_number":"0001193125-24-251349","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-11-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Dave Q3 prelim: rev $92.5M (+41%), net income $0.5M; FTC sues over ExtraCash","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q3 revenue $92.5M (+41% YoY), net income $0.5M (+$12.5M YoY), Adj. EBITDA $24.7M.","Net income includes $7.0M legal reserve for FTC matter; plans to raise FY2024 guidance on Nov 12.","FTC filed complaint alleging violations of FTC Act and ROSCA over ExtraCash; company disputes claims.","CEO says fees not in question, no forecast changes; company will vigorously defend."],"consensus_eps_estimate":null,"consensus_eps_actual":3.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":246236000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212218,"accession_number":"0001193125-24-194330","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q2 revenue $80.1M (+31% YoY); raises FY 2024 Adj. EBITDA guidance to $40-50M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $6.4M vs -$22.6M YoY; Adj. EBITDA $15.2M vs -$13.1M YoY.","Monthly transacting members record 2.3M, +18% YoY; ExtraCash originations $1.2B, +37%.","Customer acquisition cost down 26% to $15; 28-day delinquency rate improved 80bps to 2.03%.","FY 2024 revenue guidance raised to $310-325M; Adj. EBITDA guidance raised to $40-50M.","Cash and equivalents $89.7M; no increase in debt facility utilization during quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":3.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":153747000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":231137,"accession_number":"0001193125-24-154304","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-06-04T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Dave Inc. announces 2024 annual meeting results: all director nominees elected, auditor ratified.","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["81.6% of shares (10,109,417 of 12,383,368) were represented at the June 3, 2024 annual meeting.","Directors Jason Wilk, Brendan Carroll, and Imran Khan elected as Class III directors with >16.6M votes each.","Ratification of Deloitte & Touche LLP as independent auditor for FY2024 was approved with 23.2M votes for, 0.5M against.","Broker non-votes were 6,693,874 for each director election."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":231136,"accession_number":"0001193125-24-132578","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q1 revenue $73.6M (up 25% YoY), GAAP net income $34.2M, raises FY adj. EBITDA guidance to $30-40M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $34.2M vs loss $14.0M in Q1 2023; includes $33.4M gain on FTX note extinguishment.","Adjusted EBITDA $13.2M, up 32% from Q4 2023; FY 2024 guidance raised to $30-40M (prev. $25-35M).","ExtraCash originations $1.1B (+32% YoY); 28-day delinquency rate improved 77 bps to 1.83%.","Monthly transacting members up 14% to 2.2M; debit card spend up 34% to $394M.","Cash $101.5M; repurchased FTX convertible note for $71M at 33% discount in Jan 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":73630000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":249516,"accession_number":"0001193125-24-058700","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-03-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave posts Q4 2023 net income of $0.2M, revenue $73.2M; FY23 revenue $259.1M; guides FY24 EBITDA $25-35M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 GAAP net income of $0.2M (vs -$21.5M YoY); Adjusted EBITDA of $10.0M (vs -$12.8M).","FY 2023 revenue $259.1M (+26% YoY); GAAP net loss improved to $48.5M from $128.9M in 2022.","FY 2024 guidance: revenue $305-325M (18-25% growth); Adjusted EBITDA $25-35M.","Repurchased FTX convertible note for $71M (67% of $105.5M balance), recording a $35M discount.","Monthly transacting members up 11% to 2.1M; ExtraCash originations up 29% to $1.0B in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":249515,"accession_number":"0001193125-24-002933","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2024-01-05T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Dave to repurchase $100M convertible note from FTX for $71M cash","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dave Inc. agreed to buy back $100M convertible note issued to FTX in March 2022 for $71M, a 29% discount.","Transaction requires approval from the Delaware bankruptcy court; hearing set for January 25, 2024.","CEO Jason Wilk stated Dave has sufficient capital to execute growth plan without raising additional equity.","Closing also conditioned on FTX not entering an alternative sale of the note."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266975,"accession_number":"0001193125-23-272474","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q3 GAAP rev $65.8M, net loss improves 47% Q/Q; guides to adj EBITDA profitability in Q4","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP revenue $65.8M (+16% YoY, +7% Q/Q); 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Board has deemed him independent.","Khan brings experience from Snap and Alibaba IPOs, Verishop, and Credit Suisse leadership."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":284242,"accession_number":"0001193125-23-206198","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q2 revenue up 34% to $61.2M; net loss improves 17%; raises variable profit margin outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP revenue $61.2M (+34% YoY); 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EBITDA loss improved 54% to $13.1M; includes $4M data-breach legal settlement.","Non-GAAP variable profit margin raised to 47%-51% (from 43%-47%) for FY2023.","Monthly Transacting Members up 26% to 1.9M; ExtraCash originations rose 43% to $867M.","Dave Card spend hit $304M (+77% YoY); reiterates FY Adj. EBITDA loss of ($50M)-($35M)."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":120163000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":284241,"accession_number":"0001193125-23-184745","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-07-10T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Dave appoints Yadin Rozov to board; Teresa Aragones resigns effective Aug 1, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Yadin Rozov appointed to Dave's Board as Class I director, effective July 6, 2023.","Rozov also joins the Compensation Committee; deemed independent under Nasdaq rules.","Rozov received initial RSU grant valued at $165,000 vesting in three equal annual installments.","Teresa Aragones resigns effective August 1, 2023; departure not related to any disagreement.","Board now comprises six members: Mike Pope, Andrea Mitchell, Dan Preston, Brendan Carroll, Yadin Rozov, and Jason Wilk."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":303887,"accession_number":"0001193125-23-167906","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-06-15T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Dave Inc. shareholders approve director elections, auditor, and stock option repricing at 2023 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Andrea Mitchell and Dan Preston as Class II directors with ~15.9M votes each, term through 2026.","Ratified Deloitte & Touche as independent auditor for FY2023 with 22.9M votes for, 151k against.","Approved repricing of certain stock options under the 2017 Stock Plan held by eligible service providers (15.8M for, 390k against).","Quorum of 79% of shares represented; broker non-votes of 6.9M on director and option proposals.","All three proposals passed; no other business transacted at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":303886,"accession_number":"0001193125-23-139431","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q1 revenue $58.9M (+38% YoY); net loss improves 57%; Adj. EBITDA loss down 75% to $4.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP revenue $58.9M (+38% YoY); non-GAAP revenue $60.6M (+39%).","Net loss improved 57% YoY to $14.0M; Adj. EBITDA loss reduced 75% to $4.5M.","Non-GAAP variable profit margin expanded to 56% from 41% YoY.","ExtraCash originations $798M (+46% YoY); 28-day delinquency improved 67 bps to 2.60%.","Reiterates FY2023 outlook: non-GAAP revenue $235-260M, Adj. EBITDA loss ($50)-($35)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":58928000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":303885,"accession_number":"0001193125-23-095209","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-04-07T23:59:59+00:00","items":["5.08","8.01"],"status":"ready","headline":"Dave sets 2023 annual meeting for June 9; record date April 28","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting scheduled for June 9, 2023; stockholders of record as of April 28, 2023 can vote.","Deadline for stockholder proposals and director nominations is April 17, 2023 (10 days after announcement).","Proposals must comply with Rule 14a-8 and company bylaws; mailed to Secretary at Los Angeles address."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":323590,"accession_number":"0001193125-23-062339","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-03-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Dave Q4 revenue $59.6M (+45% YoY), net loss $21.5M; FY23 guidance: revenue $235-260M, adj EBITDA -$50M to -$35M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 GAAP revenue $59.6M (+45% YoY); net loss $21.5M (improved 55% QoQ); adj EBITDA loss $11.8M (improved 59% QoQ).","Q4 operating highlights: added 543k net new members; MTMs 1.9M; ExtraCash originations $801M; Dave Card spend $263M (+34% QoQ).","Full year 2022: GAAP revenue $204.8M (+34% YoY); net loss $128.9M; adj EBITDA loss $87.1M.","FY2023 guidance: non-GAAP revenue $235-260M; variable margin 43-47%; adj EBITDA loss $50M-35M.","Company reiterates timeline for adj EBITDA positive in 2024 without need to raise equity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":323589,"accession_number":"0001193125-23-002529","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2023-01-05T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Dave Inc. effects 1-for-32 reverse stock split to meet Nasdaq bid price requirement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reverse stock split effective 5:01 PM ET Jan 5, 2023; split-adjusted trading as DAVE on Jan 6.","Implied post-split price ~$9.44; intended to regain compliance with Nasdaq $1 minimum bid.","Every 32 shares become 1 share; no fractional shares; cash in lieu for fractional entitlements.","Proportionate adjustments to equity awards, warrants; authorized shares and par value unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":341593,"accession_number":"0001193125-22-303917","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-12-13T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Dave stockholders approve reverse split (1:5-1:50) and equity plan increase to 86.7M shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reverse stock split authorized at board's discretion; ratio range 1-for-5 to 1-for-50, expires Dec 31, 2023.","Equity plan shares increased from 41.8M to 86.7M; auto-annual increase based on combined Class A and V common stock.","Reverse split vote: 721.9M for, 5.5M against, 349.9k abstain; equity plan vote: 515.9M for, 14.6M against, 698.9k abstain.","Quorum of 77.1% represented at special meeting held Dec 13, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":341592,"accession_number":"0001193125-22-282790","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-11-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q3 revenue +41% to $56.8M, but GAAP net loss widens to $47.5M; FY guidance reiterated","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP operating revenue $56.8M (+41% YoY); Non-GAAP revenue $58.6M (+41% YoY).","GAAP net loss $47.5M vs $7.9M loss in Q3 2021; Adjusted EBITDA loss $27.5M vs $11.3M loss.","Non-GAAP variable profit margin improved to 42% from 39% in Q2 2022.","Added 808k net new members (total 7.8M); Monthly transacting members 1.8M (+18% sequentially).","Reiterated FY2022 guidance: Non-GAAP revenue $200-215M and variable profit margin 40-44%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":145163000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":358530,"accession_number":"0001193125-22-230019","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-08-25T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Dave appoints marketing expert Tesa Aragones to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tesa Aragones appointed to Board effective August 23, 2022 as Class I director until 2025 annual meeting.","Aragones also joins the Nominating and Corporate Governance Committee; Board determined she is independent under Nasdaq rules.","Aragones brings 20+ years of brand marketing experience from Discord, VSCO, Nike, and Volkswagen.","She will receive standard non-employee director compensation, prorated cash compensation from appointment date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":358526,"accession_number":"0001193125-22-226507","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K/A","filed_at":"2022-08-22T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Dave Inc. restates 2020, 2021, Q1 2022 financials; member advance cash flow and earnout classification errors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee determined prior financials for 2020, 2021, and Q1 2022 should no longer be relied upon.","Member advances principal portion misclassified as operating activity instead of investing activity, overstating operating cash flow.","Earnout shares from business combination incorrectly classified as equity instead of liability, requiring reclassification and fair value adjustment.","Restated audited financial statements for 2021 and 2020 filed as Exhibits 99.3, 99.4, and 99.5.","Non-cash fair value adjustments on earnout liability impact pro forma financial information."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":358529,"accession_number":"0001193125-22-220064","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-08-12T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Dave Inc. discloses material weaknesses, plans restatement of prior period financials; Q2 results announced","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Plans to amend previously filed Form 8-K/A and Q1 10-Q; will restate financial statements related to Cash Flow and Earnout Adjustments.","Identified material weaknesses in internal control over financial reporting; disclosure controls not effective at reasonable assurance level.","Q2 2022 earnings conference call was held August 11, 2022; press release issued but not included in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":358528,"accession_number":"0001193125-22-218761","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-08-12T23:59:59+00:00","items":["4.02","2.02","9.01"],"status":"ready","headline":"Dave Inc. restates prior financials; Q2 revenue $47M, adj EBITDA loss $28.5M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Non-reliance on 2021/2020 audited financials and Q1 2022 unaudited financials due to cash flow and earnout accounting errors.","Q2 2022 non-GAAP operating revenue $47.0M (+22.4% YoY); adjusted EBITDA loss $28.5M vs loss $4.5M in Q2 2021.","Revised FY2022 outlook: non-GAAP operating revenue $200-215M; variable profit margin 40-44%.","Cash flow reclassification (member advances) and earnout reclassification (equity to liability) are non-cash with no impact to cash or net income.","Material weaknesses in internal control over financial reporting persist; remediation plan ongoing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":358527,"accession_number":"0001193125-22-204939","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["3.01","5.07"],"status":"ready","headline":"Dave receives Nasdaq notice for non-compliance with minimum bid price requirement","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Received Nasdaq notice on July 27, 2022 for failing minimum bid price of $1.00 for 30 consecutive trading days.","Initial compliance period ends January 23, 2023; must close at $1.00+ for 10 consecutive trading days.","May seek additional 180-day period if it transfers to Nasdaq Capital Market and meets other standards.","Company considering a reverse stock split to regain compliance, but no assurance of success.","Annual meeting results: Michael Pope re-elected as Class I director; Deloitte ratified as auditor."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":377294,"accession_number":"0001193125-22-173023","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-06-13T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Dave Inc. dismisses Moss Adams, appoints Deloitte as new auditor; cites material weaknesses in internal controls","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dismissed Moss Adams as independent auditor effective June 8, 2022; appointed Deloitte & Touche for FY 2022, subject to client acceptance.","Moss Adams' reports for 2021 and 2020 were unqualified but disclosed material weaknesses in internal controls.","Material weaknesses included lack of formal accounting policies, insufficient finance staff, segregation of duties issues, and IT general controls deficiencies.","No disagreements with Moss Adams on accounting principles; only reportable events were material weaknesses.","Deloitte was not consulted on accounting matters prior to engagement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":377293,"accession_number":"0001193125-22-162403","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-05-27T23:59:59+00:00","items":["5.08","8.01"],"status":"ready","headline":"Dave Inc. sets 2022 annual meeting for July 27; record date June 3","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["2022 annual meeting scheduled for July 27, 2022; record date June 3, 2022.","Stockholder proposals and director nominations must be received by June 6, 2022.","Deadline is 5:00 p.m. Eastern time; notice to be sent to Secretary at 1265 South Cochran Avenue, Los Angeles."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":377292,"accession_number":"0001193125-22-147642","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-05-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Dave Q1 revenue up 24% but net loss widens to $34.8M; reaffirms FY2022 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP revenue $42.6M (up 24% YoY from $34.4M); non-GAAP revenue $43.7M.","Net loss $34.8M vs net income $3.9M in Q1 2021; adjusted EBITDA -$18.3M vs -$8.0M.","Added 340k net new members, total 6.4M; 1.45M monthly transacting members.","Non-GAAP variable profit margin 41% vs 64% YoY, driven by product mix.","Reaffirms FY2022 non-GAAP revenue $200-230M and variable profit margin 44-48%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":42551000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":377291,"accession_number":"0001193125-22-097442","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-04-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Dave awards 2021 bonuses to CEO Jason Wilk ($100,675) and CFO Kyle Beilman ($67,117)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Wilk received $100,675 non-equity incentive bonus; total 2021 comp $11.0M.","CFO Beilman received $67,117 non-equity incentive bonus; total 2021 comp $452,502.","Bonuses reflect 67.12% achievement of target performance for 2021.","Stock option awards of $10.5M granted to Wilk in 2021 reported at grant-date fair value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":395662,"accession_number":"0001193125-22-090833","cik":1841408,"company_name":"Dave Inc./DE","ticker":"DAVE","form_type":"8-K","filed_at":"2022-03-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Dave adopts Executive Incentive Bonus Plan for eligible employees, including executives","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan adopted March 30, 2022, by Compensation Committee; effective same date.","Cash bonuses tied to performance goals set by Committee; goals may include revenue, income, cash flow, stock price.","Awards subject to clawback policy; Committee may adjust, reduce, or eliminate payouts.","Participants must be employed and in good standing on payment date, with exceptions for retirement, death, or disability.","Plan may be amended or terminated by Committee; termination does not affect accrued awards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":3258152914.1755767,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-03-31T23:59:59+00:00|395662"}