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DAVE · Dave Inc./DE · Earnings Call Transcripts & Audio

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$321.51 -4.93 (-1.51%) At close · Sep 30
S&P 600 member Russell 2000 member Rebalance outlook locked
Market Cap
$4.12B
Shares
12.76M
Volume · Sep 30 185.99K Avg daily vol (3M) 416.75K

Dave Inc. Earnings Call Transcripts

Quarterly earnings calls for Dave Inc. (DAVE), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Pull transcripts and briefs through the earnings call transcript API or MCP →

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. (DAVE) Q2 2026 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
Dave Inc. (DAVE) Q1 2026 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2026-03-03
Dave Inc. (DAVE) March 2026 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY25 · Q4
2026-03-02
Dave Inc. (DAVE) Q4 2025 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Dave Inc. (DAVE) Q3 2025 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2025-08-13
Dave Inc. (DAVE) August 2025 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY25 · Q2
2025-08-06
Dave Inc. (DAVE) Q2 2025 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-05-08
Dave Inc. (DAVE) Q1 2025 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-03-03
Dave Inc. (DAVE) Q4 2024 Earnings Call Transcript
Confident tone ExtraCash new fee model transition Dave Card and banking engagement Credit performance and underwriting
Revenue
$100.84M*
▲ 37.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-11-05
Dave Inc. (DAVE) Q3 2024 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-08-06
Dave Inc. (DAVE) Q2 2024 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-05-07
Dave Inc. (DAVE) Q1 2024 Earnings Call Transcript
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 Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-03-05
Dave Inc. (DAVE) Q4 2023 Earnings Call Transcript
Confident tone ExtraCash Product Growth Profitability and Financial Performance 2024 Guidance and Capital Position
Revenue
$73.12M*
▲ 22.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-11-07
Dave Inc. (DAVE) Q3 2023 Earnings Call Transcript
Revenue
$65.81M
▲ 15.9% YoY
Diluted EPS
$-1.01
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-08-08
Dave Inc. (DAVE) Q2 2023 Earnings Call Transcript
Revenue
$61.23M
▲ 33.7% YoY
Diluted EPS
$-1.90
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-05-09
Dave Inc. (DAVE) Q1 2023 Earnings Call Transcript
Revenue
$58.93M
▲ 38.5% YoY
Diluted EPS
$-1.19
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-03-07
Dave Inc. (DAVE) Q4 2022 Earnings Call Transcript
Revenue
$59.67M*
▲ 45% YoY
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-11-10
Dave Inc. (DAVE) Q3 2022 Earnings Call Transcript
Revenue
$56.81M
▲ 41.3% YoY
Diluted EPS
$-4.06
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-08-12
Dave Inc. (DAVE) Q2 2022 Earnings Call Transcript
Revenue
$45.80M
▲ 23% YoY
Diluted EPS
$-2.34
Rev · 5q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-05-11
Dave Inc. (DAVE) Q1 2022 Earnings Call Transcript
Revenue
$42.55M
▲ 23.6% YoY
Diluted EPS
$-2.91
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-03-21
Dave Inc. (DAVE) Q4 2021 Earnings Call Transcript
Revenue
$41.16M*
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Showing 1–21 of 21 earnings calls
Key facts CIK 1841408 CUSIP 23834J201 13F (30d) 9 filings 8 filers Visit website Investor relations