Dave prelim Q4 rev $164M (+62% YoY), Adj EBITDA $73M; FY rev $554M, Adj EBITDA $227M; beat top-end of guidance

Dave Inc./DE

2025-FY EPS reported $13.53 revenue$554,182,000

Q4 2025 GAAP operating revenue $164M, up 62% YoY; FY2025 revenue $554M, up 60% YoY.
Q4 Adjusted EBITDA $73M (guidance $63M); FY Adjusted EBITDA $227M (guidance $217M), up 162% YoY.
4Q25 28DPD expected 1.95%-2.00%, improving from prior guidance of below 2.10%.
CEO cites 3rd consecutive quarter of 60%+ revenue growth; full earnings call on March 2, 2026.
Management views proposed 10% credit card rate cap as a tailwind for ExtraCash product.

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