NASDAQ$DAVE

Dave Inc. · Q4 2024 earnings

Q4 2024 earnings · · After market close · Investor relations

Briefing

Dave reported Q4 2024 revenue of $100.9M with net income of $16.8M.

GAAP operating revenues, net rose 38% year over year to $100.9 million. Net income was $16.8 million and adjusted EBITDA grew 234% to $33.4 million, exceeding guidance.

  • Q4 revenue $100.9M (+38% YoY).
  • Net income $16.8M.
  • Adjusted EBITDA $33.4M.
  • Strong 2025 revenue and EBITDA outlook issued.

Headline financials

Total Revenue

$101M

Previous: $73.2M+37.8%
EPS (adj)

$2.04

Previous: $0.03+6700.0%
Monthly Transacting Members

2.5M

No prior period
Dave Debit Card Spend

$456M

No prior period
ExtraCash Originations

$1.47B

No prior period
Non-GAAP Gross Margin

72.0%

No prior period
Net Income

$16.8M

Previous: $200K+8300.0%
Operating Income

$21M

Previous: $1.9M+1005.3%
Gross Profit

$72.1M

Previous: $42.2M+70.8%

Revenue & EPS history

Dave · Revenue · Quarterly

$101M

Q4 2024+37.8%vs Q4 2023
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Forward guidance

The filing discusses operating priorities, capital returns, and sector demand trends.

Tailwinds

  • Management outlines strategic priorities and cost actions.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year 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 Q4 2024

Historical avgQ4 2024

+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

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
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%
Q4 2020
Q3 2020
Q2 2020
Q1 2020
Q2 2019
Q1 2019
Q4 2018
Q3 2018
Q2 2018
Q1 2018
Q4 2017
Q3 2017
Q2 2017
Q1 2017
Q4 2016
Q3 2016
Q2 2016
Q1 2016
Q4 2015
Q3 2015
Q2 2015
Q1 2015
Q4 2014
Q3 2014
Q2 2014
Q1 2014
Q4 2013
Q3 2013
Q2 2013
Q1 2013
Q4 2012
Q3 2012
Q2 2012

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