{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-115471","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.079473+00:00","generated_at":"2026-05-22T05:27:55.899116+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 Q1 revenue hits $108.0M (+47% Y/Y); net income $28.8M; guides FY25 higher","bullets":["GAAP net income $28.8M (vs $34.2M in Q1 2024); adjusted EBITDA $44.2M, up 235% Y/Y.","ExtraCash originations $1.5B, up 46% Y/Y; 28-day delinquency rate improved 33bps to 1.50%.","FY2025 revenue guidance raised to $460-475M (prior $415-435M); Adj. EBITDA guidance raised to $155-165M (prior $110-120M).","Monthly transacting members rose 13% to 2.5M; Dave debit card spend up 24% to $488M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-115471","json":"https://secwatch.observer/filing/0001193125-25-115471.json","markdown":"https://secwatch.observer/filing/0001193125-25-115471.md","text":"https://secwatch.observer/filing/0001193125-25-115471.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525115471/0001193125-25-115471-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525115471/d897700d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T05:27:55.899116+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"}