DAVE
Dave Inc.198.93
+7.90+4.14%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
2.69BP/E (TTM)
19.62Basic EPS (TTM)
10.14Dividend Yield
0%Recent Filings
8-K
10-Q
8-K
Dave expands buyback to $125M
Dave Inc. boosted its share repurchase authorization to $125 million on August 13, 2025, replacing the prior $50 million program after deploying $25 million since Q2 earnings and over $45 million year-to-date at accretive prices. This move signals board confidence in the neobank's durable model and free cash flow potential amid growth opportunities. Repurchases will proceed opportunistically via open market or private deals. Yet risks like competition and regulatory hurdles loom large.
10-Q
Q2 FY2025 results
Dave Inc. posted strong Q2 FY2025 results, with total operating revenues hitting $131.8M, up 64% year-over-year from $80.1M, fueled by service-based revenue surging 70% to $121.6M on higher ExtraCash originations of $1.79B (derived, up 50% y/y) and average advances rising to $206. Processing fees jumped 129% y/y to $113.5M after fee hikes in February, while subscriptions grew 38% to $8.1M; tips vanished post-discontinuation. Net income climbed to $9.0M from $6.4M, with diluted EPS at $0.62 (up from $0.47, reconciled to 14.6M shares). Cash from operations reached $113.5M YTD, bolstering $61.7M cash and $41.1M investments against $75M debt maturing 2026. Revenue momentum persists. Yet regulatory scrutiny from the DOJ lawsuit over ExtraCash practices lingers.
8-K
Dave boosts Q2 results, amends bank deal
Dave Inc. amended its program agreement with Coastal Community Bank on August 4, 2025, allowing up to $225 million in ExtraCash receivables to stay on Coastal's balance sheet for 60 days before sale to Dave, cutting funding costs while Coastal earns Fed Funds-based interest. Q2 revenue surged 64% year-over-year to $131.7 million, with net income up 42% to $9.1 million and Adjusted EBITDA jumping 236% to $50.9 million. Momentum builds. The company raised 2025 guidance to $505-$515 million revenue and $180-$190 million Adjusted EBITDA, though reliance on this single bank partner poses risks.
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