Dave 🐻

Q3 2026 was another very strong quarter for Dave: – Added 1.1M new members – Revenue growth accelerated to 31% Y/Y to $198M, driven by record new member acquisition and continued growth in Monthly Transacting Members and ARPU – Adj. EBITDA rose 39% Y/Y to $82M – 28-Day Past Due improved Y/Y and Q/Q to 2.09%, even as originations grew 23% from a year ago – Net Monetization Rate expanded 40bps to 5.2%, its highest level in five years CashAI v6.0 was fully deployed in mid-September and delivered improving credit performance through Q3 and into Q4. Our 28-day past due rate fell below 2% and the average ExtraCash size rose to $225 in September. Beyond ExtraCash, we’re extending our CashAI underwriting advantage into everyday spending with Dave Flex. Early trends in Dave Flex are positive ahead of a broad rollout in 2027. On the back of excellent momentum across the business, we’re once again raising our FY2026 guidance for revenue, adj. EBITDA and adj. Diluted EPS. Massive kudos to the Dave team for another great quarter! See the full press release here: investors.dave.com/news-rele…

Q2 2026 was an excellent quarter for Dave: – Revenue grew 30% Y/Y to $170.8M - our 9th consecutive quarter of at least 30% Y/Y growth – 28-Day Past Due rate improved 6% Y/Y to 2.12%, even as ExtraCash originations grew 27% Y/Y to $2.3B – Adj. EBITDA rose 48% Y/Y to $75.5M – Increased member acquisition by 32% Y/Y while keeping customer acquisition costs flat at $19 During the quarter, we rolled out CashAI v6.0, our largest and most efficient AI underwriting model to date. We also expanded Dave Flex test cohorts, following promising early engagement. Based on the strength of our performance in H1 and the depth of our product roadmap, we’re raising our FY2026 guidance for revenue, adj. EBITDA, and adj. diluted EPS. Congrats to the team for a great result! See the full press release here: investors.dave.com/news-rele…

We’re excited to announce Gopi Kuchimanchi as Dave’s new Chief Technology Officer. Since joining Dave in 2021, Gopi has helped build CashAI and the technical architecture, core payments and banking infrastructure of Dave’s product suite. In his expanded role, Gopi will focus on extending Dave’s technology leadership to drive further growth and profitability. Congrats, Gopi! 🎉 Read more: investors.dave.com/news-rele…

Q1 2026 was another very strong quarter for Dave: - Revenue grew 47% Y/Y to $158.4M - 28-Day Past Due rate reached a record Q1 low of 1.69% - Net monetization increased to 5.1% - its highest level in 4 years - Net income grew 101% Y/Y to $57.9M and adj. EBITDA rose 57% Y/Y to $69.3M - Monthly Transacting Members increased 18% Y/Y to 2.99M - ARPU expanded 24% Y/Y - Approx. $195M in share repurchase activity, representing 7% of shares outstanding With a record credit performance, continued investment in CashAI and strong execution, we’re raising 2026 revenue, adj. EBITDA and adj. diluted EPS guidance. Well done to the whole team for such a strong start to the year! See the full press release here: investors.dave.com/news-rele…

Our founder/CEO Jason Wilk spoke at @restivevc annual conference, covering: - How @davebanking pioneered cash flow-based underwriting AND marrying that with AI - The evolution of the industry - The opportunity in building credit-inclusive banking for everyday Americans See the full interview: youtube.com/watch?v=cm8OmdZA…

Our founder and CEO @Jason Wilk joined the @RiskReversal podcast, covering: His founder journey Dave’s Q4/FY 25 earnings Why the future of fintech belongs to companies building trust with customers that traditional banks have ignored Check out the convo: youtube.com/watch?v=1R3l-wvV…

The consumer is stretched, with budgets leaving little room for error. That's why $DAVE exists. CEO Jason Wilk recently on @CNBCFastMoney: AI-powered underwriting, loss rates down to nearly 1% and looking to grow headcount while others cut. Watch: investors.dave.com/news-even…

As CEO Jason Wilk said: - We again proved our model’s durability - CashAI is a competitive moat - We’re early in our journey - We start 2026 in a great position Big thanks to the Dave team!

@Imran Khan is stepping down from the Board as a result and as planned. Imran has made an immense contribution to Dave. The whole team thanks him for his guidance and support, and are confident we’ll continue to benefit from his wisdom into the future.

Dave is thrilled to announce the appointment of @parkerbarrile as our new Chief Product Officer. Parker is an outstanding leader, who will help drive the next phase of Dave’s growth and further strengthen our position as a fintech leader. investors.dave.com/news-rele…

Our CEO Jason Wilk and CFO & COO @Kyle Beilman joined the @Marketopolis podcast to speak about:       · Dave's cost discipline · Our pioneering use of AI in cash flow-based underwriting · Dave’s growth potential ·Their long-term outlook on the business #Dave

Our CEO @JasonWilk joined @RyanFalvey on @restivevc to discuss how Dave is using AI to level the playing field for millions of Americans. 🎧Check out the conversation here youtu.be/76C0pq6sJmg #AI #Fintech #Dave

Fireside Chat with Dave CEO, Jason Wilk, at Canaccord conference highlights Record Q2 earnings and recently upsized stock buyback program: investors.dave.com/events/ev…