{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-255957","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2024-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.977369+00:00","generated_at":"2026-05-30T02:11:42.117882+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 revenue up 41% YoY to $92.5M; raises FY2024 revenue and Adj. EBITDA guidance","bullets":["Net income of $0.5M vs. loss of $12.1M YoY; Adj. EBITDA of $24.7M, up $27.2M YoY.","FY2024 revenue guidance raised to $340–343M (prior $310–325M); Adj. EBITDA guidance raised to $71–74M (prior $40–50M).","Monthly transacting members up 23% to 2.4M; ExtraCash originations up 46% to $1.4B; delinquency rate improved 64 bps to 1.78%.","Non-binding LOI entered for strategic partnership with a publicly traded fintech sponsor bank to diversify commercial relationships.","Cash and equivalents $76.7M as of Sep 30, 2024; no increase in credit facility utilization during the quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-255957","json":"https://secwatch.observer/filing/0001193125-24-255957.json","markdown":"https://secwatch.observer/filing/0001193125-24-255957.md","text":"https://secwatch.observer/filing/0001193125-24-255957.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524255957/0001193125-24-255957-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312524255957/d862351d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T02:11:42.117882+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}