{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-263535","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.757629+00:00","generated_at":"2026-05-17T00:42:23.655250+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 reports Q3 revenue $150.8M (+63% YoY), GAAP net income $92.0M; raises FY2025 guidance","bullets":["Revenue $150.8M (+63% YoY); GAAP net income $92.0M vs $0.5M in 3Q24; Adj. EBITDA $58.7M (+137%).","ExtraCash originations $2.0B (+49%); monetization rate net of losses 4.8% (+45bps YoY); MTMs 2.77M (+17%).","New FY2025 guidance: revenue $544-547M (prior $505-515M), Adj. EBITDA $215-218M (prior $180-190M).","Repurchased $25M of shares in Q3; cash & equivalents $93.6M at Sep 30, no incremental credit facility use."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-263535","json":"https://secwatch.observer/filing/0001193125-25-263535.json","markdown":"https://secwatch.observer/filing/0001193125-25-263535.md","text":"https://secwatch.observer/filing/0001193125-25-263535.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525263535/0001193125-25-263535-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312525263535/d85365d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:42:23.655250+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"}