---
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"
generated_at: "2026-06-05T04:06:11.818195+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Dave posts Q4 2023 net income of $0.2M, revenue $73.2M; FY23 revenue $259.1M; guides FY24 EBITDA $25-35M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-058700
- JSON: https://secwatch.observer/filing/0001193125-24-058700.json
- Plain text: https://secwatch.observer/filing/0001193125-24-058700.txt

## Key facts
- Earnings Releases
  Dave Inc./DE updated its the fourth quarter and full year ended December 31, 2023 guidance (raised).
  - Period: the fourth quarter and full year ended December 31, 2023
  - Guidance: raised
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1841408/000119312524058700/0001193125-24-058700-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.