secwatch.observer — SEC 8-K summary
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Issuer:     Dave Inc./DE (DAVE)
CIK:        0001841408
Form:       8-K
Filed at:   2025-03-03T23:59:59+00:00
Accession:  0001193125-25-044114
Event type: earnings
Sentiment:  positive
Materiality: 0.90
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Dave reports record Q4 revenue $100.9M (+38% YoY); FY net income $57.9M vs loss
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1841408/000119312525044114/0001193125-25-044114-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1841408/000119312525044114/d916251d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-044114

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer