{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-335119","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2026-08-05T20:11:28+00:00","discovered_at":"2026-08-05T20:13:11.681137+00:00","generated_at":"2026-08-05T20:13:35.586837+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 Q2 revenue $170.8M (+30% YoY), Adj. EBITDA $75.5M (+48%), raises FY guidance","bullets":["Revenue $170.8M, up 30% YoY; net income $6.7M includes $36.9M non-cash warrant/earnout charges.","Adjusted EBITDA $75.5M (44% margin), up 48% YoY; Adj. diluted EPS $4.12, up 48% YoY.","Raises FY 2026 revenue guidance to $725-735M, Adj. EBITDA to $315-325M, Adj. EPS to $17.00-17.50.","MTM grew 17% to 3.08M; ExtraCash originations $2.3B (+27%); 28-DPD improved to 2.12%.","Cash and investments $254.4M; $94.1M remaining under share repurchase authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-335119","json":"https://secwatch.observer/filing/0001193125-26-335119.json","markdown":"https://secwatch.observer/filing/0001193125-26-335119.md","text":"https://secwatch.observer/filing/0001193125-26-335119.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000119312526335119/0001193125-26-335119-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000119312526335119/dave-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:13:35.586837+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"}