{"filings":[{"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}],"next_cursor":null}