{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-282790","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2022-11-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:52.643790+00:00","generated_at":"2026-06-21T23:50:49.889365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Dave Q3 revenue +41% to $56.8M, but GAAP net loss widens to $47.5M; FY guidance reiterated","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-282790","json":"https://secwatch.observer/filing/0001193125-22-282790.json","markdown":"https://secwatch.observer/filing/0001193125-22-282790.md","text":"https://secwatch.observer/filing/0001193125-22-282790.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312522282790/0001193125-22-282790-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312522282790/d572339d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-21T23:50:49.889365+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ecebb815715dd31447183d7805af7d80a16069b2","claim":"Dave Inc./DE reported third quarter ended September 30, 2022 results: revenue $ 56.8, net income ($ 47.5 ). Guidance reaffirmed.","evidence_excerpt":"Third Quarter 2022 Financial Highlights: ($ in millions except otherwise noted) 3Q21 4Q21 1Q22 2Q22 3Q22 GAAP Operating Revenues, Net $ 40.2 $ 41.2 $ 42.6 $ 45.8 $ 56.8 % Change vs. prior year period 26 % 16 % 24 % 23 % 41 % Non-GAAP Operating Revenues* $ 41.5 $ 42.2 $ 43.7 $ 47.0 $ 58.6 % Change vs. prior year period 26 % 16 % 23 % 22 % 41 % Non-GAAP variable profit margin* 48 % 48 % 41 % 39 % 42 % GAAP Net loss ($ 7.9 ) ($ 15.2 ) ($ 34.8 ) ($ 27.1 ) ($ 47.5 )","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1841408/000119312522282790/0001193125-22-282790-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2022"},{"label":"Revenue","value":"$ 56.8"},{"label":"Net income","value":"($ 47.5 )"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}