{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-058700","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2024-03-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.920259+00:00","generated_at":"2026-06-05T04:06:11.818195+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Dave posts Q4 2023 net income of $0.2M, revenue $73.2M; FY23 revenue $259.1M; guides FY24 EBITDA $25-35M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-058700","json":"https://secwatch.observer/filing/0001193125-24-058700.json","markdown":"https://secwatch.observer/filing/0001193125-24-058700.md","text":"https://secwatch.observer/filing/0001193125-24-058700.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524058700/0001193125-24-058700-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524058700/d767476d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T04:06:11.818195+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":"cad2d01fa64e8080f12c6aceaffcee510a92a9f5","claim":"Dave Inc./DE updated its the fourth quarter and full year ended December 31, 2023 guidance (raised).","evidence_excerpt":"On March 5, 2024, Dave Inc. issued a press release announcing its financial results for the quarter and full year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524058700/0001193125-24-058700-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year ended December 31, 2023"},{"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"}