secwatch.observer — SEC 8-K summary
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Issuer:     Dave Inc./DE (DAVE)
CIK:        0001841408
Form:       8-K
Filed at:   2026-08-05T20:11:28+00:00
Accession:  0001193125-26-335119
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Dave Q2 revenue $170.8M (+30% YoY), Adj. EBITDA $75.5M (+48%), raises FY guidance
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1841408/000119312526335119/0001193125-26-335119-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1841408/000119312526335119/dave-20260805.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-335119

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer