{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-272474","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2023-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.958182+00:00","generated_at":"2026-06-08T17:21:19.489100+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Dave Q3 GAAP rev $65.8M, net loss improves 47% Q/Q; guides to adj EBITDA profitability in Q4","bullets":["GAAP revenue $65.8M (+16% YoY, +7% Q/Q); Non-GAAP variable profit $37.3M (+51% YoY, +13% Q/Q)","GAAP net loss $12.1M (improved 47% Q/Q); Adj EBITDA loss $2.5M (improved 81% Q/Q)","Raised FY 2023 guidance: Non-GAAP revenue $257-261M (prior $235-260M), Adj EBITDA ($22)-($17)M (prior ($50)-($35)M), implying Q4 adj EBITDA profitability","ExtraCash originations $932M (+23% YoY); 28-day delinquency rate improved 165 bps to 2.42%; Dave Card spend $341M (+73% YoY)","Total liquidity $181M ($171M cash & investments + $10M undrawn credit facility)"],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-272474","json":"https://secwatch.observer/filing/0001193125-23-272474.json","markdown":"https://secwatch.observer/filing/0001193125-23-272474.md","text":"https://secwatch.observer/filing/0001193125-23-272474.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523272474/0001193125-23-272474-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523272474/d568851d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T17:21:19.489100+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":"3a02093a475ba82634654af301fb4c87a56f0f4a","claim":"Dave Inc./DE reported third quarter ended September 30, 2023 results: revenue $65.8 million, net income ($12.1). Guidance raised.","evidence_excerpt":"for Non-GAAP Revenue, Non-GAAP Variable Margin and Adjusted EBITDA, Implying Adjusted EBITDA Profitability in Q4 2023 at the Midpoint of the Range Q3 GAAP Revenue up 7% Q/Q to $65.8 Million; Q3 Non-GAAP Variable Profit up 13% Q/Q Q3 Net Loss Improves by 47% Q/Q; Adj. EBITDA Loss Improves 81% Q/Q to $2.5 Million LOS ANGELES, CA – November 7, 2023 – Dave Inc. (“Dave”","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1841408/000119312523272474/0001193125-23-272474-index.htm","confidence":0.85,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"$65.8 million"},{"label":"Net income","value":"($12.1)"},{"label":"Guidance","value":"raised"},{"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"}