Here are the 10-K annual reports from Dave Inc. (DAVE) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow DAVE and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full DAVE filings page.
Dave Inc. provides an in-depth annual overview of its neobank business, strategy, and regulatory environment for the year ended December 31, 2025. The company operates a mobile-first platform focused on Americans living paycheck to paycheck, offering ExtraCash advances, fee-free checking, and financial tools.
Since launch, over 19 million people have signed up, with more than 14 million using at least one product, and Members have received over $22 billion in ExtraCash, which offers up to $500 of short-term credit with no interest or late fees. In 2025 Dave shifted ExtraCash to a mandatory 5% service fee structure and raised its monthly membership fee from $1 to $3 for new Members to improve unit economics.
Dave highlights its AI-powered underwriting engine CashAI, updated to version 5.5 in 2025 to improve risk ranking and approval amounts, and embeds AI in fraud detection and support via DaveGPT. The company is transitioning its banking relationships so new Members are onboarded to Coastal Community Bank, supported by lower processing fees under an amended Galileo agreement. Dave also details its virtual-first workforce of about 280 employees, extensive U.S. regulatory obligations, and a broad risk-factor set tied to credit performance, technology, competition, bank-partner dependence, and evolving consumer-protection and data-privacy rules.