{ "schemaVersion": 1, "organisationId": "O-fe02cd40ac5041ffa146061f9a736de3", "slug": "dave-inc-de", "name": "Dave Inc./DE", "updatedAt": "2026-10-02T13:35:11.758772Z", "sections": [ { "type": "OVERVIEW", "text": "Dave Inc. is a U.S.-focused, mobile-first financial services company operating in the neobank sector. Its platform serves everyday Americans, including people underserved by traditional financial institutions, with products such as ExtraCash, Dave Checking and personal financial-management tools. [P4593904][P111989548]\n\nThe company’s stated mission is to “level the financial playing field” with accessible, transparent financial solutions. Founded in 2017, Dave became publicly listed on Nasdaq in 2022. [P80971912][P35635503][P20661884]\n\nDave reported operating revenue of $554.2 million for fiscal 2025. Its scale indicators include more than 19 million app sign-ups and over 14 million members who have used a product; the company’s cited overview is U.S.-focused. [T7620007][P84837081][P4593904]\n[P4593904][P111989548][P80971912][P35635503][P20661884][T7620007][P84837081]", "updatedAt": "2026-10-02T13:35:11.758772Z" }, { "type": "PRODUCTS", "text": "Dave’s principal products include **ExtraCash**, a discretionary cash advance of up to $500, and **Dave Checking**, a digital deposit account with a Mastercard debit card. ExtraCash uses CashAI to assess checking-account transaction and cash-flow data in real time, without FICO or credit-bureau checks; repayment is scheduled around forecast paydays. Dave Checking has no minimum balance or monthly account fee, offers qualifying direct-deposit customers access to paychecks up to two business days early, and supports fee-free withdrawals at more than 40,000 MoneyPass ATMs. [P147136343][P147136344][P147136345]\n\nOther offerings include **Dave Flex**, a Mastercard-branded pay-in-four product tested with a limited group of members beginning in April 2026. Payments are generally due every two weeks, with no compound interest, late fees, or credit check. Dave also offers a monthly membership with budgeting tools, savings goals and round-ups, and access to income opportunities. [P147136346][P147136347] Dave does not report revenue by named product. For the six months ended June 30, 2026, it reported net processing and overdraft service fees of approximately 84.6% of net operating revenue, subscriptions 8.8%, interchange 3.7%, ATM revenue 0.4%, and other transaction revenue 2.4%; these are revenue categories, not exact product-level shares. [T16834069][P147136389]\n[P147136343][P147136344][P147136345][P147136346][P147136347][T16834069][T16834069][T16834069][T16834069][T16834069][P147136389]", "updatedAt": "2026-10-02T13:35:11.758772Z" }, { "type": "GEOGRAPHY", "text": "Dave Inc.’s operations and member base are located throughout the United States; no state-level or country/region revenue breakdown is provided in the available information. [P55181939][https://www.sec.gov/Archives/edgar/data/1841408/000119312526085370/dave-20251231.htm] Its principal executive office is in Los Angeles, California. [P147136246]\n[P55181939][P147136246][https://www.sec.gov/Archives/edgar/data/1841408/000119312526085370/dave-20251231.htm]", "updatedAt": "2026-10-02T13:35:11.758772Z" }, { "type": "SEGMENTS", "text": "Dave Inc. reports one operating segment and one reportable segment: its U.S. operations. The CEO and CFO jointly act as the chief operating decision makers and review consolidated financial information to allocate resources and assess performance. Accordingly, the single segment represents 100% of reported company operations; Dave does not disclose separate segment contribution percentages. [P147136462][P147136714]\n\nThe segment includes ExtraCash, Dave Flex, and other banking and card products, which are managed and evaluated together rather than reported as separate segments. Service-based and transaction-based revenue are consolidated revenue classifications, not separate business segments. [P147136715][T16834103]\n[P147136462][P147136714][P147136715][T16834103]", "updatedAt": "2026-10-02T13:35:11.758772Z" }, { "type": "HISTORY", "text": "Dave was founded in 2017 by Jason Wilk, initially offering cash advances. The company expanded into banking, with Dave Banking signups beginning in the fourth quarter of 2020. [https://investors.dave.com/our-story] [P164129934] [P164129797]\n\nIn June 2021, Dave agreed to combine with VPC Impact Acquisition Holdings III; the transaction closed on January 5, 2022, and Dave began its public-market transition under the ticker DAVE. [P35635503] [https://investors.dave.com/news-releases/news-release-details/vpc-impact-acquisition-holdings-iii-inc-stockholders-approve] In June 2022, the company expanded ExtraCash, raising its maximum advance to $500 and adding instant spending through Dave’s debit card. [https://investors.dave.com/news-releases/news-release-details/dave-increases-extracashtm-overdraft-limit-500-and-launches] In April 2026, Dave began offering Dave Flex, an installment credit card with pay-in-four repayments. 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