{"schema_version":"secwatch.filing_event.v1","accession":"0001841408-26-000003","form_type":"8-K","ticker":"DAVE","cik":"0001841408","company_name":"Dave Inc./DE","filed_at":"2026-03-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.494943+00:00","generated_at":"2026-05-15T22:45:52.043672+00:00","sec_items":["2.02","5.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Dave Q4 revenue +62% to $163.7M, net income +292% to $66.0M; FY 2025 revenue +60%; guides FY26 rev $690-710M","bullets":["Q4 revenue $163.7M (+62% YoY); GAAP net income $66.0M (+292%); Adj. EBITDA $72.9M (+118%).","FY 2025 revenue $554.2M (+60%); net income $195.9M (+238%); Adj. EBITDA $226.7M (+162%).","FY 2026 guidance: revenue $690-710M (25-28% growth), Adj. EBITDA $290-305M, Adj. EPS $14-$15.","Board authorized new $300M share repurchase program, replacing prior $125M program with $113.2M remaining.","MTMs up 19% to 2.93M; ExtraCash originations +50% to $2.2B; 28-day past due rate improved to 1.89%."],"urls":{"canonical":"https://secwatch.observer/filing/0001841408-26-000003","json":"https://secwatch.observer/filing/0001841408-26-000003.json","markdown":"https://secwatch.observer/filing/0001841408-26-000003.md","text":"https://secwatch.observer/filing/0001841408-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1841408/000184140826000003/0001841408-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1841408/000184140826000003/dave-20260226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T22:45:52.043672+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"}