DAVE Dave Inc./DE

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Provider of ExtraCash financial products with revenue from service and transaction fees
• • Emphasis on simplified fee structure and growth in ExtraCash origination volume driving revenue and net income increase
• • Net income surged to $195.9 million in 2025 from $57.9 million in 2024 reflecting improved operating performance and tax benefit
• • Released $58.7 million deferred tax asset valuation allowance in 2025 after demonstrating sustained profitability
• • Enacted new tax laws in 2025, including California sales factor apportionment and U.S. OBBBA tax legislation affecting R&D amortization

Risk Factors

• • Regulatory risk: Ongoing increased legal fees of $0.9 million in 2025 driven by litigation, settlements, and compliance with evolving regulations
• • Macroeconomic risk: 67% rise in provision for credit losses to $91.0 million in 2025 reflects credit performance amid portfolio growth and economic conditions
• • Operational risk: Reliance on third-party SaaS and cloud platforms with 10% technology infrastructure cost increase to $12.1 million for security and scalability
• • Competitive risk: 23% increase in transaction volume to $1.9 billion card spend in 2025 intensifies competition in payment and financing solutions
• • Financial risk: $300 million share repurchase authorization replacing prior $125 million program may strain liquidity amid rising credit losses and operating expenses

Management Discussion & Analysis

• • Revenue $554.2M in 2025, up 59.7% YoY from $347.1M in 2024; service-based revenue $511.9M vs $311.4M, transaction-based $42.3M vs $35.7M
• • Operating margin 33.7% in 2025 (Operating expenses $367.6M on $554.2M revenue) vs 10.0% in 2024 (Operating expenses $312.5M on $347.1M revenue)
• • Best segment: Service-based revenue $511.9M in 2025, up 64.4% YoY; worst: compensation and benefits expense stable at ~$103.4M vs $105.8M
• • Operating cash flow $290.0M in 2025 vs $125.1M in 2024; share repurchases $43.7M; capital expenditures $6.8M; dividends not mentioned
• • Management discontinued optional tips in Feb 2025, simplified fee to mandatory 5% overdraft service fee; guidance not explicitly disclosed; credit loss allowance increased to $37.6M

What are the latest DAVE SEC filings in 2026?

Dave Inc./DE (DAVE) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on August 5, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did DAVE file its most recent 10-K annual report?

Dave Inc./DE (DAVE) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view DAVE 10-Q quarterly reports?

Dave Inc./DE (DAVE)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every DAVE 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has DAVE filed recently?

Dave Inc./DE (DAVE)'s most recent 8-K was filed on August 5, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find DAVE insider trading activity (Form 4)?

SignalX aggregates every DAVE Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does DAVE file with the SEC?

Dave Inc./DE (DAVE) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new DAVE filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Dave Inc./DE (DAVE).

What is DAVE's SEC CIK number?

Dave Inc./DE (DAVE)'s SEC CIK (Central Index Key) number is 1841408. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1841408 to look up all DAVE filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find DAVE return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Dave Inc./DE (DAVE) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.