收入增长 - Dave公司2023年第四季度实现了创纪录的总收入增长，GAAP净收入为0.2百万美元，调整后的EBITDA为10.0百万美元[1] - DAVE INC. 2023年第四季度服务类收入净额为65.4百万美元，同比增长21.4%[18] 会员增长 - Dave公司2023年第四季度新增会员达到了68.3万人，月活跃会员达到了210万人，ExtraCash放款增长了29%至10亿美元[4] 利润增长 - Dave公司2023年全年非GAAP可变利润为45.9百万美元，较去年同期增长80%[3] - DAVE INC. 2023年第四季度非GAAP可变利润为45.9百万美元，较去年同期25.5百万美元增长79%[19] 财务状况改善 - DAVE INC. 2023年第四季度净收入为0.2百万美元，较去年同期净亏损21.5百万美元有所改善[18]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to _______ Commission file number: 001-40161 DAVE INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 86-1481509 (State or other jurisdiction of ( ...

公司活动 - Dave公司宣布将参加即将举行的Wolfe Fintech Forum，并将于2024年3月13-14日在纽约宫酒店举行[1] 公司合作 - Dave是一家领先的美国新银行和金融科技先驱，利用颠覆性技术以低于传统银行的价格提供一流的银行服务，与Evolve Bank & Trust合作[4] 联系人信息 - 投资者关系联系人为Sean Mansouri，媒体联系人为Kira Sarkisian[5]

LOS ANGELES, Feb. 13, 2024 /PRNewswire/ -- Dave Inc. (Nasdaq: DAVE), one of the nation's leading neobanks, today announced it has become the newest member of the American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks. Dave joins a diverse group of AFC members to progress fintech innovation, focusing on creating inclusive digital banking services and products for consumers not well-served by incumbent banks. "Our members are setting th ...

PM Images Dave's (NASDAQ:DAVE) rally from 52-week lows has been nothing short of dramatic, with the neobank moving up a remarkable 360%. This blistering rally came after a 52-week low reached in the aftermath of a 1-for-32 reverse split at the start of its fiscal 2023 that was forced by a roughly 96% collapse from its SPAC reference price. Dave is a mobile banking app that offers its members a range of financial products, with its core product ExtraCash offering cash advances. The company also offers FDIC-i ...

Note Repurchase at a $35 Million Discount Relative to $105.5 Million Total Liability Transaction Capitalizes on Strength of Balance Sheet and Enhances Ability to Deliver on Strategic Objectives LOS ANGELES, Jan. 30, 2024 /PRNewswire/ -- Dave Inc. ("Dave" or the "Company") (Nasdaq: DAVE), one of the nation's leading neobanks, today announced the closing of its transaction with FTX Ventures Ltd. ("FTX") to repurchase a convertible note (the "Note") that it issued to FTX with an original principal balance of $ ...

分组1 - 公司在第三季度继续保持强劲表现,非GAAP可变利润率和非GAAP可变利润大幅扩张,公司在固定成本基础上实现了运营杠杆 [7] - 公司提高了2023年全年非GAAP收入、非GAAP可变利润率和调整后EBITDA的指引,预计第四季度将实现调整后EBITDA转正,比之前预期提前1-3个季度 [8] - 公司专注于提升会员终身价值和扩大可变利润率,提高营销投放效率,并通过控制成本实现运营杠杆 [9][10][11] 分组2 - 公司第三季度非GAAP可变利润率同比提升1600个基点,并整合了ExtraCash和Dave Card业务,使Dave Card交易量翻倍,ARPU实现双位数增长 [12] - 公司将营销支出减少三分之一,但仍大幅增加会员获取,CAC下降近50% [13] - 公司实现了显著的运营杠杆,固定现金支出温和下降,非GAAP可变利润却翻倍,调整后EBITDA亏损从上年同期的2850万美元收窄至250万美元,接近盈亏平衡 [13] 问答环节重要的提问和回答 问题1 **Gary Prestopino 提问** 公司是如何实现客户获取成本的大幅改善的 [60] **Jason Wilk 回答** 公司的短期信贷产品能够快速满足消费者需求,加上优化营销渠道和投放效率,以及加密货币行业资金流出带来的有利环境,共同推动了CAC的大幅下降 [61][62] 问题2 **Gary Prestopino 提问** 公司在ExtraCash业务中新增的两个风控模型有什么作用 [65] **Kyle Beilman 回答** 公司的ExtraCash业务交易量高,可以快速积累大量数据,不断优化风控模型,提高风险识别和定价能力,从而改善信用表现和降低成本 [66][67] 问题3 **Gary Prestopino 提问** 公司是否看到当前宏观环境下对ExtraCash的需求有所增加 [69] **Kyle Beilman 回答** 公司目前的需求水平较为正常,处于疫情前的水平,没有出现异常增长,但公司通过不断优化产品为客户创造更多价值,提高了客户粘性 [70][71]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to _______ Commission file number: 001-40161 DAVE INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 86-1481509 (State or other jurisdic ...

Dave Inc. (NASDAQ:DAVE) Q2 2023 Earnings Conference Call August 8, 2023 4:30 PM ET Company Participants Jason Wilk - Chief Executive Officer Kyle Beilman - Chief Financial Officer Conference Call Participants Operator Good afternoon, everyone, and thank you for participating in today's conference call to discuss Dave's financial results for the Second Quarter ended June 30, 2023. Joining us today are Dave's CEO, Mr. Jason Wilk; and the company's CFO, Mr. Kyle Beilman. By now, everyone should have access to ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to _______ Commission file number: 001-40161 DAVE INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 86-1481509 (State or other jurisdiction ...