{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-044114","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2025-03-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.228052+00:00","generated_at":"2026-05-25T20:36:48.010081+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Dave reports record Q4 revenue $100.9M (+38% YoY); FY net income $57.9M vs loss","bullets":["Q4 revenue $100.9M (up 38% YoY); full-year revenue $347.1M (up 34% YoY).","Q4 GAAP net income $16.8M (vs $0.2M in Q4 2023); FY net income $57.9M vs FY loss of $48.5M.","Q4 Adjusted EBITDA $33.4M (up 234% YoY); FY Adj. EBITDA $86.5M vs loss of $10.1M.","FY 2025 guidance: revenue $415–435M (20–25% growth), Adj. EBITDA $110–120M (27–39% growth).","ExtraCash originations up 44% YoY to $1.5B in Q4; cash & equivalents $91.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-044114","json":"https://secwatch.observer/filing/0001193125-25-044114.json","markdown":"https://secwatch.observer/filing/0001193125-25-044114.md","text":"https://secwatch.observer/filing/0001193125-25-044114.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525044114/0001193125-25-044114-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525044114/d916251d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-25T20:36:48.010081+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"}