Recent 8-K filings for DAVE

• May 5, 2026, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01 ◈ Earnings Releases ×2

  Dave Q1 revenue $158.4M (+47% YoY); net income $57.9M (+101%); raises FY guidance

  GAAP net income $57.9M, up 101% YoY; adjusted EBITDA $69.3M, up 57% YoY.

• March 9, 2026, 7:59 PM ET debt materiality 0.75 neutral item 1.01item 2.03item 3.02item 8.01item 9.01 ◈ Debt Financings◈ Material Agreements

  Dave Inc. closes $200M 0% convertible notes offering, repurchases $70.5M shares

  Issued $200M aggregate principal of 0% Convertible Senior Notes due 2031, net proceeds ~$192.1M.

• March 6, 2026, 6:59 PM ET debt materiality 0.70 neutral item 1.01item 8.01item 9.01 ◈ Material Agreements

  Dave prices $175M 0% convertible notes due 2031; repurchases ~334K shares

  Pricing of $175M (upsized from $150M) 0% Convertible Senior Notes due 2031; initial purchasers option for additional $25M.

• March 3, 2026, 6:59 PM ET debt materiality 0.65 neutral item 8.01item 9.01

  Dave Inc. announces $150M Convertible Senior Notes offering due 2031, with capped call and share repurchase

  Offers $150M principal of 5-year convertible notes due 2031, with initial purchasers' option for additional $22.5M.

• March 2, 2026, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 5.02item 8.01item 9.01

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

  Q4 revenue $163.7M (+62% YoY); GAAP net income $66.0M (+292%); Adj. EBITDA $72.9M (+118%).

• February 5, 2026, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

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

  Q4 2025 GAAP operating revenue $164M, up 62% YoY; FY2025 revenue $554M, up 60% YoY.

• November 4, 2025, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Dave reports Q3 revenue $150.8M (+63% YoY), GAAP net income $92.0M; raises FY2025 guidance

  Revenue $150.8M (+63% YoY); GAAP net income $92.0M vs $0.5M in 3Q24; Adj. EBITDA $58.7M (+137%).

• August 13, 2025, 7:59 PM ET other material materiality 0.65 positive item 7.01item 9.01

  Dave Inc. expands share repurchase authorization to $125M from $50M

  Board authorized new $125M share repurchase program, replacing prior $50M authorization.

• August 6, 2025, 7:59 PM ET earnings materiality 0.85 positive item 1.01item 2.02item 9.01

  Dave Q2 revenue up 64% to $131.7M, raises FY 2025 guidance; amends Coastal deal for $225M receivables

  Revenue $131.7M (+64% YoY); net income $9.1M (+42% YoY); adjusted EBITDA $50.9M (+236% YoY).

• May 8, 2025, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Dave Q1 revenue hits $108.0M (+47% Y/Y); net income $28.8M; guides FY25 higher

  GAAP net income $28.8M (vs $34.2M in Q1 2024); adjusted EBITDA $44.2M, up 235% Y/Y.

• March 10, 2025, 7:59 PM ET other material materiality 0.60 positive item 7.01item 9.01

  Dave Inc. announces $50 million share repurchase authorization

  Board authorized up to $50M buyback of Class A common stock; no fixed expiration date.

• March 3, 2025, 6:59 PM ET other material materiality 0.80 positive item 1.01item 7.01item 9.01

  Dave (DAVE) enters exclusive sponsor bank agreement with Coastal Community Bank (CCB); onboarding Q2 2025

  Coastal becomes exclusive sponsor bank for Dave’s banking products and simplified ExtraCash product; customer onboarding begins Q2 2025.

• March 3, 2025, 6:59 PM ET earnings materiality 0.90 positive item 2.02item 9.01

  Dave reports record Q4 revenue $100.9M (+38% YoY); FY net income $57.9M vs loss

  Q4 revenue $100.9M (up 38% YoY); full-year revenue $347.1M (up 34% YoY).

• February 20, 2025, 6:59 PM ET other material materiality 0.70 positive item 8.01item 9.01

  Dave completes shift from optional Tips to 5% fee structure on ExtraCash

  Replaced optional Tips (as low as $0) with a flat 5% fee; $5 minimum, $15 cap per transaction.

• December 31, 2024, 6:59 PM ET litigation materiality 0.80 negative item 7.01item 9.01

  Dave Inc. Announces DOJ Amended Complaint in FTC Lawsuit and New Fee Structure for ExtraCash

  DOJ filed amended civil complaint on Dec 30, 2024, adding civil money penalties claim and naming CEO Jason Wilk as defendant.

• November 12, 2024, 6:59 PM ET other material materiality 0.60 positive item 7.01item 9.01

  Dave Inc. enters non-binding LOI for strategic partnership with sponsor bank

  LOI with a leading publicly-traded sponsor bank to originate ExtraCash, hold deposits, issue debit cards, and provide ACH.

• November 12, 2024, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Dave Q3 revenue up 41% YoY to $92.5M; raises FY2024 revenue and Adj. EBITDA guidance

  Net income of $0.5M vs. loss of $12.1M YoY; Adj. EBITDA of $24.7M, up $27.2M YoY.

• November 5, 2024, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 7.01item 9.01

  Dave Q3 prelim: rev $92.5M (+41%), net income $0.5M; FTC sues over ExtraCash

  Preliminary Q3 revenue $92.5M (+41% YoY), net income $0.5M (+$12.5M YoY), Adj. EBITDA $24.7M.

• August 6, 2024, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Dave Q2 revenue $80.1M (+31% YoY); raises FY 2024 Adj. EBITDA guidance to $40-50M

  GAAP net income $6.4M vs -$22.6M YoY; Adj. EBITDA $15.2M vs -$13.1M YoY.

• May 7, 2024, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases

  Dave Q1 revenue $73.6M (up 25% YoY), GAAP net income $34.2M, raises FY adj. EBITDA guidance to $30-40M

  GAAP net income $34.2M vs loss $14.0M in Q1 2023; includes $33.4M gain on FTX note extinguishment.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.90 · Median 0.75 · Most common event earnings

16 positive 2 negative 7 neutral

source · DAVE on sec.gov