Dave Inc. filings document the regulatory record for a Nasdaq-listed neobank with Class A common stock and redeemable warrants. Recent 8-K reports furnish operating and financial results, preliminary results, guidance-related exhibits, securities registered on Nasdaq, and material events tied to the company’s fintech model, including ExtraCash activity, credit performance metrics, CashAI underwriting, member trends, and Dave Debit Card spend.
The filing record also covers capital structure and governance. Disclosures include a completed Rule 144A offering of 0% Convertible Senior Notes due 2031, capped call transactions, share repurchase activity, warrant terms, definitive proxy materials, director and Audit Committee changes, executive employment-agreement amendments, equity-compensation matters, and executive-pay tables.
Dave Inc. (DAVE) received a Schedule 13G reporting beneficial ownership of 824,448 shares, or 7.2% of its Class A common stock, by FMR LLC and Abigail P. Johnson. FMR LLC reported sole voting power over 647,423 shares and sole dispositive power over 824,448 shares. Abigail P. Johnson reported no sole voting power and sole dispositive power over 824,448 shares. The report states that other persons may receive dividends or sale proceeds from the shares, but no other person's interest exceeds 5% of the class.
Dave Inc. reported third-quarter 2026 operating revenue of $197.7 million, versus $150.7 million a year earlier, and net income of $63.8 million, versus $92.1 million. Basic and diluted earnings per share were $5.00 and $3.30, compared with $6.84 and $6.34.
For the nine months ended September 30, 2026, operating revenue was $526.9 million versus $390.5 million, and operating cash flow was $231.8 million versus $196.7 million; net income was $128.4 million versus $129.9 million. Cash and equivalents were $269.9 million as of September 30, 2026, compared with $80.5 million as of December 31, 2025. Nine-month financing included $192.7 million net proceeds from convertible note issuance and $211.9 million in Class A repurchases.
Effective June 1, Coastal retains legal ownership of ExtraCash receivables, while Dave guarantees credit performance and must purchase receivables outstanding more than 60 calendar days after origination. Coastal-held principal was $158.8 million as of September 30, 2026; Dave describes this balance as maximum potential future payments under the guarantee, undiscounted and not reduced by amounts recoverable under the Cash Collateral Account.
Dave Inc. reported third-quarter 2026 revenue of $197.7 million, up 31% year over year, and raised its 2026 revenue, Adjusted EBITDA and adjusted diluted EPS guidance. Net income was $63.8 million, down 31% from $92.0 million; Adjusted EBITDA rose 39% to $81.5 million. Non-GAAP gross margin was 70%, versus 69% in Q3 2025; the 28-day past-due rate was 2.09%, compared with 2.15%.
New full-year ranges are $746 million-$750 million in revenue, $327 million-$330 million in Adjusted EBITDA and $17.45-$17.65 in adjusted diluted EPS. Cash, cash equivalents, restricted cash and investments totaled $315.1 million at September 30, 2026; Dave repaid the $75 million outstanding under its debt facility in early October 2026.
A program amendment lets Coastal Community Bank hold up to $325 million of certain ExtraCash receivables for up to 60 calendar days after origination before selling them to Dave, and up to $25 million of certain credit-card receivables for an appropriate period before sale. Coastal retains interest at a variable rate based on the Fed Funds Rate plus a margin while receivables remain on its balance sheet.
Dave Inc. (DAVE) is the issuer for a Rule 144 notice filed for the account of Yadin Rozov, a former affiliate, covering planned sales of Dave common stock. The notice lists up to 54,782 shares of common stock to be sold through Morgan Stanley Smith Barney LLC, with an aggregate market value of $20,263,544.06 and notes Dave had 11,441,425 shares outstanding as of September 16, 2026.
The filing explains that the shares to be sold are subject to variable pre-paid forward sale contracts between Rozov and Morgan Stanley Bank, N.A., under which Rozov received an upfront cash payment and will be obligated at maturity to deliver a formula-based number of shares (or cash equivalent), with potential for an additional cash payment, and that initial hedging activity will be conducted by or through Morgan Stanley Bank, N.A. It also records prior sales of 11,184 shares of Dave common stock during the past three months.
Dave Inc./DE (symbol: DAVE) is the issuer of record for a Form 4 filing submitted to the SEC. Wilk Jason reported acquisition or exercise transactions in this Form 4 filing.
Dave Inc./DE (DAVE) reported that Chief Executive Officer and director Jason Wilk entered into a variable prepaid forward contract on September 11, 2026, covering 37,090 shares of Class A Common Stock. Wilk received an upfront cash payment of $10.9 million and pledged 37,090 shares as collateral, while retaining voting rights in these shares. On a settlement date on or about August 30, 2029, he must either deliver a variable number of shares or, at his election subject to conditions, settle the contract in cash, with the share delivery formula tied to a minimum price of $319.33 and a maximum price of $481.48.
Dave Inc. (DAVE) discloses that founder and reporting person Jason Wilk has amended his Schedule 13D (Amendment No. 3), reporting beneficial ownership of 1,530,172 shares of Class A Common Stock, representing 11.8% of the class, including shares issuable from options and conversion of Class V Common Stock.
On September 11, 2026, Wilk entered into a variable prepaid forward contract on 37,090 Class A shares, receiving an upfront cash payment of $10.9 million and pledging these shares as collateral while retaining voting rights until a settlement date on or about August 30, 2029, when he may settle in cash or deliver shares based on a formula tied to the share price between $319.33 and $481.48. Since the prior amendment, he acquired 68,208 shares through equity awards and, on September 2, 2026, had 7,809 RSU shares withheld to satisfy tax obligations.
Dave Inc./DE (symbol: DAVE) is the issuer of record for a Form 4 filing submitted to the SEC. Beilman Kyle reported acquisition or exercise transactions in this Form 4 filing.
Dave Inc./DE (DAVE) discloses that its CFO, COO and Secretary, Kyle Beilman, entered into a variable prepaid forward contract on September 11, 2026 with an unaffiliated counterparty involving 40,000 shares of Dave Class A Common Stock. Beilman pledged these shares as collateral, received an upfront cash payment of $10.8 million, and will retain voting, dividend and other rights in the pledged shares until settlement, which is expected on or about June 15, 2028. Depending on the share price at that time, he may deliver a variable number of shares or elect, subject to conditions, to settle the contract in cash.
Dave Inc. (DAVE) director Brendan Carroll reported three indirect sales of warrants (rights to buy Class A Common Stock) held by a trust. The trust sold 64,991 warrants in total on September 10, 11, and 14, 2026 at reported weighted average prices around $1.59–$1.60 per warrant. No Rule 10b5-1 trading plan is reported.
Dave Inc. (DAVE) reports that stockholder Kyle Beilman has filed a Form 144 in connection with a variable prepaid forward contract secured by up to 40,000 shares of Class A Common Stock of Dave Inc. The actual number of shares to be delivered will depend on Dave’s share price at settlement relative to an agreed minimum and maximum price, with the aggregate not exceeding 40,000 shares. Subject to certain conditions, Mr. Beilman may instead settle the contract in cash and retain the pledged shares, while any related hedging activity will be conducted by Morgan Stanley & Co. LLC.
Dave Inc. (DAVE) received a notice under Rule 144 of a proposed sale of restricted or control securities held for the account of Jason Wilk. The notice covers the planned sale of 37,090 shares of common stock of Dave Inc. through UBS Securities LLC, with the securities listed on NASDAQ. The shares to be sold were acquired under a stock plan on September 2, 2025.