{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-132578","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2024-05-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:20.679307+00:00","generated_at":"2026-06-02T20:01:00.849887+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 Q1 revenue $73.6M (up 25% YoY), GAAP net income $34.2M, raises FY adj. EBITDA guidance to $30-40M","bullets":["GAAP net income $34.2M vs loss $14.0M in Q1 2023; includes $33.4M gain on FTX note extinguishment.","Adjusted EBITDA $13.2M, up 32% from Q4 2023; FY 2024 guidance raised to $30-40M (prev. $25-35M).","ExtraCash originations $1.1B (+32% YoY); 28-day delinquency rate improved 77 bps to 1.83%.","Monthly transacting members up 14% to 2.2M; debit card spend up 34% to $394M.","Cash $101.5M; repurchased FTX convertible note for $71M at 33% discount in Jan 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-132578","json":"https://secwatch.observer/filing/0001193125-24-132578.json","markdown":"https://secwatch.observer/filing/0001193125-24-132578.md","text":"https://secwatch.observer/filing/0001193125-24-132578.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524132578/0001193125-24-132578-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524132578/d834789d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T20:01:00.849887+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":"8292fd1930f94598006fdc927bf01bee3082c99e","claim":"Dave Inc./DE reported first quarter ended March 31, 2024 results: revenue $73.6 Million, net income $34.2 Million. Guidance raised.","evidence_excerpt":"expressly set forth by specific reference in such a filing. --- EX-99.1 (EX-99.1) --- EX-99.1 Exhibit 99.1 Dave Reports Record First Quarter 2024 Results Record Q1 Revenue of $73.6 Million; Y/Y Revenue Growth Accelerates for Second Consecutive Quarter Q1 GAAP Net Income Reaches $34.2 Million and Adj. EBITDA Increases to $13.2 Million Dave Raises 2024 Adjusted","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524132578/0001193125-24-132578-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Revenue","value":"$73.6 Million"},{"label":"Net income","value":"$34.2 Million"},{"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"}