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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%.
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.
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.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Dave raised full-year guidance as Q3 revenue grew 31%, adjusted EBITDA grew 39%, member additions reached a record, and credit and monetization improved. Risks included provision above forecast, sequential gross-margin pressure, lower adjusted earnings, no meaningful DaveFlex revenue expected in 2026, and continued DOJ litigation.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| 28-day past due rate | 2.12% | Second Quarter 2026 | — |
| Adjusted EBITDA non-GAAP | $144.8M | Six Months Ended June 30, 2026 | — |
| Adjusted EBITDA margin non-GAAP | 44% | Six Months Ended June 30, 2026 | — |
| Adjusted net income non-GAAP | $108.7M | Six Months Ended June 30, 2026 | — |
| average ExtraCash amounts | $215 | the three months ended June 30, 2026 filing | — |
| Customer acquisition cost | $19 | Second Quarter 2026 | — |
| ExtraCash Monetization Rate Net of Losses | 4.8% | Second Quarter 2026 | — |
| ExtraCash originations | $2.3B | Second Quarter 2026 | — |
| Monthly Transacting Members (MTMs) | 3.08M | Second Quarter 2026 | — |
| New members | 951,000 | Second Quarter 2026 | — |
| Non-GAAP gross profit non-GAAP | $238.2M | Six Months Ended June 30, 2026 | — |
| Non-GAAP gross profit margin non-GAAP | 72% | Six Months Ended June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
DAVE
this stock
Dave Inc.
|
$3.54B | +25.1% | +59.7% | 18.2 | 18.6% |
|
SAP
Sap SE
|
$271.12B | -3.3% | — | — | 0.2% |
|
QH
QUHUO Ltd
|
$268.05B | +181.9% | +59.7% | — | 0.0% |
|
SHOP
Shopify Inc.
|
$189.23B | -8.6% | +30.1% | 89.2 | 1.5% |
|
CRM
Salesforce, Inc.
|
$179.28B | -17.8% | +25.9% | 19.9 | 3.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
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.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| DAVE | -0.6% | -24.6% | +11.1% | -12.6% | +25.1% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -3.2% | -23.4% | +10.6% | -12.4% | +14.5% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
