DAVE · Dave Inc./DE
$334.57
+0.80 (+0.24%)
At close · Aug 14
Market Cap
$4.27B
Shares
12.76M
Dave Inc. Earnings Call Transcripts
Every quarterly earnings call for Dave Inc. (DAVE) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲41.3%
$56.81M
−$47.50M
'22 Q3
22-11-10
▲45%
$59.67M
−$21.49M
'22 Q4
23-03-07
▲38.5%
$58.93M
−$14.03M
'23 Q1
23-05-09
▲33.7%
$61.23M
−$22.62M
'23 Q2
23-08-08
▲15.9%
$65.81M
−$12.05M
'23 Q3
23-11-07
▲22.5%
$73.12M
$179,000
'23 Q4
24-03-05
▲24.9%
$73.63M
$34.24M
'24 Q1
24-05-07
▲30.8%
$80.12M
$6.36M
'24 Q2
24-08-06
▲40.5%
$92.49M
$466,000
'24 Q3
24-11-05
▲37.9%
$100.84M
$16.81M
'24 Q4
25-03-03
▲46.7%
$107.98M
$28.81M
'25 Q1
25-05-08
▲64.5%
$131.76M
$9.04M
'25 Q2
25-08-06
▲63%
$150.72M
$92.07M
'25 Q3
25-11-04
▲62.4%
$163.72M
$65.94M
'25 Q4
26-03-02
▲46.7%
$158.41M
$57.94M
'26 Q1
26-05-05
LATEST
▲29.6%
$170.79M
$6.69M
'26 Q2
26-08-05
Earnings call
FY26 · Q2
2026-08-05
Dave Inc. Second Quarter 2026 Earnings Call
Confident tone
Extra cash originations and ARPU
Coastal Community Bank funding partnership
Competitive positioning
Revenue
$170.79M
▲ 29.6% YoY Diluted EPS
$0.49
▼ 21% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
Dave Inc./DE Q1 FY2026 Earnings Call
Confident tone
Extra Cash originations
DaveFlex / Pay-in-4 product launch
Member acquisition and MTMs
Revenue
$158.41M
▲ 46.7% YoY Diluted EPS
$4.02
▲ 104.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-03-03
The Citizens Technology Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY25 · Q4
2026-03-02
Dave Inc./DE Q4 FY2025 Earnings Call
Confident tone
ExtraCash originations and engagement
Growth algorithm: MTMs and ARPU
CashAI v5.5 and credit performance
Revenue
$163.72M*
▲ 62.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Dave Inc./DE Q3 FY2025 Earnings Call
Confident tone
Revenue and EBITDA growth
CashAI underwriting engine
Dave Card and subscription revenue
Revenue
$150.72M
▲ 63% YoY Diluted EPS
$6.34
▲ 21033.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2025-08-13
Canaccord Genuity 45th Annual Growth Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY25 · Q2
2025-08-06
Dave Inc./DE Q2 FY2025 Earnings Call
Confident tone
Record revenue and profitability growth
New subscription fee structure
Member acquisition and unit economics
Revenue
$131.76M
▲ 64.5% YoY Diluted EPS
$0.62
▲ 31.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-05-08
Dave Inc./DE Q1 FY2025 Earnings Call
Confident tone
ExtraCash fee structure transition
Dave Card engagement and ARPU expansion
ExtraCash originations and Cash AI underwriting
Revenue
$107.98M
▲ 46.7% YoY Diluted EPS
$1.97
▼ 24.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-03-03
Dave Inc./DE Q4 FY2024 Earnings Call
Confident tone
ExtraCash new fee model transition
Dave Card and banking engagement
Credit performance and underwriting
Revenue
$100.84M*
▲ 37.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-11-05
Dave Inc./DE Q3 FY2024 Earnings Call
Confident tone
ExtraCash Originations Growth
New Mandatory Fee Model and Subscription Pricing
Cash AI and Underwriting Model
Revenue
$92.49M
▲ 40.5% YoY Diluted EPS
$0.03
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-08-06
Dave Inc./DE Q2 FY2024 Earnings Call
Confident tone
Extra Cash Product
Dave Card Engagement and Direct Deposit
ARPU Expansion
Revenue
$80.12M
▲ 30.8% YoY Diluted EPS
$0.47
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-05-07
Dave Inc./DE Q1 FY2024 Earnings Call
Confident tone
ExtraCash Originations and Underwriting
Dave Card and Direct Deposit
Profitability and Adjusted EBITDA
Revenue
$73.63M
▲ 24.9% YoY Diluted EPS
$2.60
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-03-05
Dave Inc./DE Q4 FY2023 Earnings Call
Confident tone
ExtraCash Product Growth
Profitability and Financial Performance
2024 Guidance and Capital Position
Revenue
$73.12M*
▲ 22.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-07
Dave Inc./DE Q3 FY2023 Earnings Call
Revenue
$65.81M
▲ 15.9% YoY Diluted EPS
$-1.01
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-08
Dave Inc./DE Q2 FY2023 Earnings Call
Revenue
$61.23M
▲ 33.7% YoY Diluted EPS
$-1.90
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-05-09
Dave Inc./DE Q1 FY2023 Earnings Call
Revenue
$58.93M
▲ 38.5% YoY Diluted EPS
$-1.19
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-03-07
Dave Inc./DE Q4 FY2022 Earnings Call
Revenue
$59.67M*
▲ 45% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-11-10
Dave Inc./DE Q3 FY2022 Earnings Call
Revenue
$56.81M
▲ 41.3% YoY Diluted EPS
$-4.06
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-12
Dave Inc./DE Q2 FY2022 Earnings Call
Revenue
$45.80M
▲ 23% YoY Diluted EPS
$-2.34
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-05-11
Dave Inc./DE Q1 FY2022 Earnings Call
Revenue
$42.55M
▲ 23.6% YoY Diluted EPS
$-2.91
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-03-21
Dave Inc./DE Q4 FY2021 Earnings Call
Revenue
$41.16M*
Rev · 3q
Audio
Transcript
Slides
8-K10-K
Showing 1–21 of 21 earnings calls
Key facts
CIK
1841408
CUSIP
23834J201
13F (30d)
342 filings
339 filers
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