Dave Inc./DE — Form 8-K
Filed November 4, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 72/100
What the filing says
Dave reported Q3 2026 revenue of $197.7M (31% YoY growth), net income $63.8M, and adjusted EBITDA $81.5M (41% margin). Key metrics: MTMs grew 18% to 3.15M, ExtraCash originations +23% to $2.5B, 28-day past due rate improved to 2.09%, net monetization rate expanded to 5.2%. Company raised full-year 2026 guidance: revenue $746–750M (prior $725–735M), adjusted EBITDA $327–330M (prior $315–325M), adjusted diluted EPS $17.45–17.65 (prior $17.00–17.50). Cash increased to $315.1M; repaid $75M Victory Park debt post-quarter; $88M remains in share repurchase authorization.
Why this rating
Strong revenue acceleration, margin expansion, credit quality improvement, and raised guidance are material. At $3.1B market cap, $198M quarterly revenue and 39% EBITDA growth represent meaningful operating leverage. Debt paydown and raised multi-metric guidance signal confidence.
Price action (we called it positive)
before filing · preread $0.87 | at our read pending | +10 min pending | +30 min pending | +1 hr pending | +4 hrs pending |
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