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$277.04 +9.67 (+3.62%) At close · Nov 13 Play latest call Q3 2026 earnings call transcript
S&P 600 member Russell 2000 member Rebalance outlook locked
Market Cap
$3.54B
Shares
12.79M
Volume · Nov 13 281.96K Avg daily vol (3M) 346.33K

The company's filings, earnings calls and investor events, most recent first. Search and read these filings from Claude or ChatGPT with the SEC filings MCP server →

Annual report FY2025 Revenue $554.18M up 59.7% 10-K filed Mar 2, 2026 Quarterly report FY2026 Q3 Revenue $197.7M up 31.2% 10-Q filed Nov 4, 2026 Latest results Third-quarter revenue reaches $198 million as FY 2026 guidance rises 8-K filed Nov 4, 2026 Earnings call Q3 2026 earnings call Held Nov 4, 2026
2026
Nov 4
Earnings call
Raises Guidance as Revenue Growth Accelerates

Dave raised full-year 2026 guidance after Q3 revenue grew 31% year-over-year and adjusted EBITDA grew 39%, while September 28-day past-due rates fell below 2%.

6 source passages
Q3 was another strong quarter for Dave, with revenue growth accelerating to 31% year-over-year, driven by accelerating member growth and continued ARPU expansion, all while delivering strong credit performance. Based on these results and the momentum we see across the business, we are once again raising our full-year guidance for revenue, adjusted EBITDA and adjusted diluted EPS. Starting with revenue. Total revenue was $198 million, accelerating to 31% year-over-year and nearly 16% sequentially. Pulling it all together on profitability, adjusted EBITDA was $82 million, up 39% year-over-year, at a 41% margin, up from 39% a year ago. September was our strongest month of the quarter, with a 28-day past due rate below 2%. Turning to our updated 2026 outlook. We are raising guidance across all three metrics. Open the document at this passage
Nov 4
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Service fees rise 31% as $75.0 million debt repaid

Dave’s processing and overdraft service fees rose 31% to $168.9 million in the three months ended September 30, 2026. It repaid $75.0 million of Debt Facility principal in full on October 8, 2026 and terminated the facility.

Revenue $197.7M ▲ 31.2% Net income $63.79M ▼ 30.7% Diluted EPS $3.30 ▼ 47.9%
Read from the MD&A section
2 source passages
Processing and overdraft service fees, net of processing and servicing costs associated with ExtraCash originations, totaled $168.9 million for the three months ended September 30, 2026, representing an increase of $39.8 million, or 31%, compared to $129.2 million for the three months ended September 30, 2025. On October 8, 2026, we repaid in full the $75.0 million of outstanding principal under our Debt Facility, together with accrued interest, using cash on hand, and terminated the Debt Facility. Open the document at this passage
Nov 4
Current report 8-K
Third-quarter revenue reaches $198 million as FY 2026 guidance rises

Dave reported Q3 2026 revenue of $198 million, up 31% year-over-year, and net income of $64 million; Adjusted EBITDA was $82 million. It raised FY 2026 revenue guidance to $746 - $750 million and Adjusted EBITDA guidance to $327 - $330 million.

Entered into a material agreement, Financial results
6 source passages
Dave Reports Third Quarter 2026 Financial Results Q3 Revenue Growth Accelerates to 31% Y/Y to $198 Million, Driven by Record New Member Acquisition as well as Continued MTM Growth and ARPU Expansion Net Income of $64 Million; Adj. EBITDA Increases 39% Y/Y to $82 Million, Representing a 41% Margin 2026 Financial Guidance ($ in millions, except per share amounts) GAAP Operating Revenues, Net | $725 - $735 | $746 - $750 Adjusted EBITDA* | $315 - $325 | $327 - $330 Open the document at this passage
Aug 5
Quarterly report 10-Q FY2026 Q2, ended Jun 30
Quarterly report for FY2026 Q2 AI summary on its way
Revenue $170.79M ▲ 29.6% Net income $6.69M ▼ 26.0% Diluted EPS $0.49 ▼ 21.0%
May 5
Quarterly report 10-Q FY2026 Q1, ended Mar 31
Quarterly report for FY2026 Q1 AI summary on its way
Revenue $158.41M ▲ 46.7% Net income $57.94M ▲ 101.1% Diluted EPS $4.02 ▲ 104.1%
Mar 3
Current report 8-K
Other events AI summary on its way
Mar 2
Annual report 10-K FY2025, ended Dec 31
Annual report for FY2025 AI summary on its way
Revenue $554.18M ▲ 59.7% Net income $195.87M ▲ 238.4% Diluted EPS $13.53 ▲ 222.9%
2025
Nov 4
Quarterly report 10-Q FY2025 Q3, ended Sep 30
Quarterly report for FY2025 Q3
Revenue $150.73M ▲ 63.0% Net income $92.07M ▲ 19657.9% Diluted EPS $6.34 ▲ 21033.3%
Aug 6
Quarterly report 10-Q FY2025 Q2, ended Jun 30
Quarterly report for FY2025 Q2
Revenue $131.76M ▲ 64.5% Net income $9.04M ▲ 42.2% Diluted EPS $0.62 ▲ 31.9%
May 8
Quarterly report 10-Q FY2025 Q1, ended Mar 31
Quarterly report for FY2025 Q1
Revenue $107.98M ▲ 46.7% Net income $28.81M ▼ 15.9% Diluted EPS $1.97 ▼ 24.2%
Mar 4
Annual report 10-K FY2024, ended Dec 31
Annual report for FY2024
Revenue $347.08M ▲ 34.0% Net income $57.87M Diluted EPS $4.19
2024
Showing 1–50 of 141 documents
Key facts CIK 1841408 CUSIP 23834J201 13F (30d) 266 filings 246 filers Visit website Investor relations