{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-062339","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2023-03-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.051503+00:00","generated_at":"2026-06-18T10:21:57.360822+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Dave Q4 revenue $59.6M (+45% YoY), net loss $21.5M; FY23 guidance: revenue $235-260M, adj EBITDA -$50M to -$35M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-062339","json":"https://secwatch.observer/filing/0001193125-23-062339.json","markdown":"https://secwatch.observer/filing/0001193125-23-062339.md","text":"https://secwatch.observer/filing/0001193125-23-062339.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523062339/0001193125-23-062339-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523062339/d458017d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T10:21:57.360822+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":"b2692c8927f8ffc08d3cad4fbf89f03c31a9952d","claim":"Dave Inc./DE reported the fourth quarter and full year ended December 31, 2022 results: revenue $59.6, net income ($21.5).","evidence_excerpt":"improved profitability.” Quarterly Financial Highlights ($ in millions unless otherwise noted) 4Q21 1Q22 2Q22 3Q22 4Q22 GAAP Operating Revenues, Net $ 41.2 $ 42.6 $ 45.8 $ 56.8 $ 59.6 % Change vs. prior year period 16 % 24 % 23 % 41 % 45 % Non-GAAP Operating Revenues* $ 42.2 $ 43.7 $ 47.0 $ 58.6 $ 61.8 % Change vs. prior year period 16 % 23 % 22 % 41 % 46 %","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523062339/0001193125-23-062339-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year ended December 31, 2022"},{"label":"Revenue","value":"$59.6"},{"label":"Net income","value":"($21.5)"},{"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"}