NASDAQ$DAVE
Dave Inc. · Q1 2026 earnings
Q1 2026 earnings · · Investor relations
Briefing
Dave reported Q1 2026 operating revenues of $158.4M and net income of $57.9M, or $4.31 basic EPS, on stronger ExtraCash and membership economics.
Dave generated total operating revenues, net, of $158.4 million (+47% YoY) and net income of $57.9 million, or $4.31 per basic share, versus $28.8 million and $2.19. Service-based revenue was $147.6 million; provision for credit losses rose with member growth. Management highlighted improved customer acquisition cost and payback periods.
- Operating revenues, net $158.4M (+47% YoY).
- Net income $57.9M; basic EPS $4.31.
- Service-based revenue $147.6M; transaction-based $10.8M.
- Fintech member growth and credit loss provisioning in focus.
Headline financials
Revenue & EPS history
Dave · Revenue · Quarterly
$158M
Revenue by segment
Dave · $132M total across 2 segments · Q2 2025
- Service based revenue, net$122M—92.3%
- Transaction based revenue, net$10.2M—7.7%
Forward guidance
The 10-Q does not provide numeric consolidated annual EPS guidance for DAVE. Management commentary in MD&A covers costs, capital, and sector-specific risks.
Tailwinds
- Management discusses operational priorities and liquidity in the quarterly filing.
- Segment or product trends are disclosed where applicable to the business model.
Headwinds
- Macro, input-cost, and interest-rate exposure can affect near-term results.
- One-time items, impairments, or fair-value marks may distort quarterly comparability.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q1 2026
+6.5%
Avg return
Earnings day
+6.5%
Avg return
5 days after
+2.6%
Avg return
30 days after
60%
12 / 20 earnings
Positive
+52.6%
Q3 2024
Best reaction
-10.4%
Q2 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| Q1 2026 | -5.6% | -8.3% | -6.3% | |
| Q4 2025 | +5.1% | +9.2% | -13.2% | |
| Q3 2025 | -2.2% | -1.9% | -12.5% | |
| Q1 2025 | +41.3% | +68.6% | +105.5% | |
| Q4 2024 | -4.9% | -12.3% | -16.5% | |
| Q3 2024 | +52.6% | +35.1% | +45.1% | |
| Q2 2024 | -6.3% | -8.3% | +10.7% | |
| Q1 2024 | +9.1% | +5.5% | -21.1% | |
| Q4 2023 | +44.4% | +64.4% | +72.5% | |
| Q3 2023 | +4.7% | -2.2% | +17.6% | |
| Q2 2023 | +0.3% | +11.2% | +5.6% | |
| Q1 2023 | -8.5% | -6.0% | +11.3% | |
| Q4 2022 | -8.3% | -16.4% | -31.7% | |
| Q3 2022 | +21.4% | +21.4% | +25.7% | |
| Q2 2022 | -10.4% | -16.3% | -34.5% | |
| Q1 2022 | +2.0% | +12.9% | -56.9% | |
| Q4 2021 | -5.4% | -28.0% | -50.5% | |
| Q3 2021 | +0.1% | -0.4% | -0.4% | |
| Q2 2021 | +0.1% | -0.2% | +1.1% | |
| Q1 2021 | +1.6% | +1.6% | +1.6% | |
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