{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-039438","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2026-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.494762+00:00","generated_at":"2026-05-16T04:32:30.753506+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Dave prelim Q4 rev $164M (+62% YoY), Adj EBITDA $73M; FY rev $554M, Adj EBITDA $227M; beat top-end of guidance","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-039438","json":"https://secwatch.observer/filing/0001193125-26-039438.json","markdown":"https://secwatch.observer/filing/0001193125-26-039438.md","text":"https://secwatch.observer/filing/0001193125-26-039438.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312526039438/0001193125-26-039438-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312526039438/dave-20260205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:32:30.753506+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"}