---
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"
generated_at: "2026-05-16T04:32:30.753506+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-039438
- JSON: https://secwatch.observer/filing/0001193125-26-039438.json
- Plain text: https://secwatch.observer/filing/0001193125-26-039438.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.