secwatch.observer — SEC 8-K summary
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Issuer:     Dave Inc./DE (DAVE)
CIK:        0001841408
Form:       8-K
Filed at:   2026-03-02T23:59:59+00:00
Accession:  0001841408-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 5.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Dave Q4 revenue +62% to $163.7M, net income +292% to $66.0M; FY 2025 revenue +60%; guides FY26 rev $690-710M
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1841408/000184140826000003/0001841408-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1841408/000184140826000003/dave-20260226.htm
  HTML page:      https://secwatch.observer/filing/0001841408-26-000003

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