0001193125-26-085370 | 10-K | XBRL Viewer

Thereafter

Total future amortization

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Leases - Schedule of Leasing Activities (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Operating lease cost	$ 348	$ 347
Total lease cost	348	347
Cash paid for operating leases	$ 386	$ 369
Weighted-average remaining lease term—operating lease	2 years 10 months 2 days	2 years 3 months 25 days
Weighted-average discount rate—operating lease	10.00%	10.00%

Segment Information (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Summary of Financial Information with Respect to the Company's Single Operating and Reportable Segment

The following table presents selected financial information with respect to the Company’s single operating and reportable segment for the years ended December 31, 2025, 2024 and 2023:


Dave Inc. Consolidated Statements of Operations (in thousands)
	For the Years Ended December 31,
	2025			2024			2023
Operating revenues:
Service based revenue, net	$	511,910		$	311,426		$	232,241
Transaction based revenue, net		42,272			35,650			26,852
Total operating revenues, net		554,182			347,076			259,093
Operating expenses:
Provision for credit losses		91,040			54,626			58,386
Processing and servicing costs		33,476			29,361			28,124
Financial network and transaction costs		28,210			24,726			22,687
Advertising and activation costs		65,989			53,446			56,662
Employee salaries and bonuses		60,769			59,044			58,721
Capitalized compensation costs		(6,457	)		(7,300	)		(8,014	)
Stock-based compensation		29,896			37,327			26,674
Temporary labor and contractors		6,295			5,066			5,117
Other compensation, benefits and payroll taxes		12,851			11,623			10,805
Technology and infrastructure		12,094			11,011			10,583
Other operating expenses		33,396			33,535			31,548
Total operating expenses		367,559			312,465			301,293
Other (income) expenses:
Interest income		(1,596	)		(2,984	)		(5,295	)
Interest expense		7,043			7,989			11,774
Gain on extinguishment of convertible debt		-			(33,442	)		-
Changes in fair value of earnout liabilities		3,285			965			(22	)
Changes in fair value of public and private warrant liabilities		9,864			1,729			(260	)
Total other (income) expense, net		18,596			(25,743	)		6,197
Net income before provision (benefit) for income taxes		168,027			60,354			(48,397	)
Provision (benefit) for income taxes		(27,838	)		2,481			120
Net income (loss)	$	195,865		$	57,873		$	(48,517	)

Segment Information - Additional Information (Detail) - Segment	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Segment Reporting Information [Line Items]
Percentage of revenue contributed	10.00%	10.00%	10.00%
Number of reportable segments	1
Number of operating segments	1
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration]	Chief Executive Officer And Chief Financial Officer [Member]
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description	The key performance measure used by the CODM to make key operating decisions is consolidated net income, as reported in the Consolidated Statement of Operations.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2025 shares
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On November 30, 2025, Andrea Mitchell, a member of our Board of Directors, entered into a pre-arranged stock trading plan that provides for the potential sale of up to 30,000 shares of Dave Class A Common Stock between March 5, 2026 and August 23, 2026, subject to the plan's earlier expiration or completion in accordance with its terms. On December 10, 2025, Dan Preston, a member of our Board of Directors, entered into a pre-arranged stock trading plan that provides for the potential sale of up to 550 shares of Dave Class A Common Stock between June 4, 2026 and December 1, 2026, subject to the plan's earlier expiration or completion in accordance with its terms. These trading plans are intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act.
Andrea Mitchell
Trading Arrangements, by Individual
Name	Andrea Mitchell
Title	member of our Board of Directors
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	November 30, 2025
Expiration Date	August 23, 2026
Arrangement Duration	172 days
Aggregate Available	30,000
Dan Preston
Trading Arrangements, by Individual
Name	Dan Preston
Title	member of our Board of Directors
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	December 10, 2025
Expiration Date	December 1, 2026
Arrangement Duration	181 days
Aggregate Available	550

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 195,865	$ 57,873	$ (48,517)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

Stock-Based Compensation - Additional information (Detail) $ / shares in Units, $ in Thousands			1 Months Ended	2 Months Ended	3 Months Ended			12 Months Ended
	Sep. 13, 2023 USD ($) $ / shares shares	Jun. 09, 2023 USD ($) $ / shares shares	Oct. 31, 2023 USD ($) Tranche shares	Feb. 25, 2026 shares	Sep. 30, 2024 USD ($) shares	Jun. 30, 2024 USD ($) $ / shares shares	Mar. 31, 2023 USD ($) Tranche shares	Dec. 31, 2025 USD ($) Tranche $ / shares shares	Dec. 31, 2024 USD ($) shares	Dec. 31, 2023 USD ($)
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation								$ 29,900	$ 37,300	$ 26,700
Option Strike Price \| $ / shares								$ 23.18
Weighted-average vesting period								4 years 10 months 24 days	5 years 7 months 6 days
Chief Executive Officer [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation								$ 1,900
Granted, Shares \| shares								358,001
Fair value of the options on the grant date								$ 10,500
Chief Executive Officer [Member] \| Minimum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								3 years
Chief Executive Officer [Member] \| Maximum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								7 years
Employee Stock Option \| Chief Executive Officer [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share based payment arrangement number of tranches \| Tranche								9
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Nonvested options, Shares \| shares								722,600	1,200,868
Granted, Shares \| shares								256,064
Vested options, Shares \| shares								621,522
Performance-Based Restricted Stock Units [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation									$ 5,600
Nonvested options, Shares \| shares								291,512	338,052
Incremental stock-based compensation expense upon modification of unvested RSUs					$ 400
Granted, Shares \| shares								185,055
Share-based payment arrangement, plan modification equity instruments other than options, vested in period \| shares									50,000
Vested options, Shares \| shares								210,453
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount								$ 11,600
Unrecognized stock-based compensation cost period for recognition								1 year 4 months 24 days
Performance-Based Restricted Stock Units [Member] \| Minimum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Non-option equity units percentage of target shares granted								0.00%
Performance-Based Restricted Stock Units [Member] \| Maximum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Non-option equity units percentage of target shares granted								150.00%
Performance-Based Restricted Stock Units [Member] \| Subsequent Event
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Vested options, Shares \| shares				291,512
Stock Compensation Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount								$ 1,000
Unrecognized stock-based compensation cost period for recognition								2 years 6 months
Stock Compensation Plan [Member] \| Dave Two Thousand and Seventeen Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Expiration period								10 years
Vesting period								4 years
Stock Option Repricing [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation	$ 200	$ 200
Repricing vested and unvested stock options outstanding \| shares	200,571	134,931
Minimum exercise price for repriced options \| $ / shares	$ 22.09	$ 22.09
Maximum exercise price for repriced options \| $ / shares	$ 23.18	$ 23.18
Incremental stock compensation expense for option repricing for vested stock option	$ 170	$ 140
Incremental stock compensation expense for option repricing for unvested stock options	$ 70	$ 60
Weighted-average vesting period	1 year	1 year 3 months 18 days
Stock Option Repricing [Member] \| Dave Two Thousand and Seventeen Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Excercise price for repriced options \| $ / shares	$ 7.23	$ 5.18
Restricted Stock Units (RSUs) [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Nonvested options, Shares \| shares					50,000	333,275
Incremental stock-based compensation expense upon modification of unvested RSUs						$ 1,000
Weighted average modification-date fair value per award \| $ / shares						$ 5.36
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount								$ 35,100
Unrecognized stock-based compensation cost period for recognition								2 years 10 months 24 days
Restricted Stock Units (RSUs) [Member] \| January 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share based payment arrangement number of tranches \| Tranche							6
Granted, Shares \| shares							629,454
Fair value of the options on the grant date							$ 3,000
Restricted Stock Units (RSUs) [Member] \| October 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share based payment arrangement number of tranches \| Tranche			6
Granted, Shares \| shares			71,844
Fair value of the options on the grant date			$ 200
Restricted Stock Units (RSUs) [Member] \| Minimum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods determined by valuation						1 year
Restricted Stock Units (RSUs) [Member] \| Minimum [Member] \| January 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								2 years
Restricted Stock Units (RSUs) [Member] \| Minimum [Member] \| October 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								2 years
Restricted Stock Units (RSUs) [Member] \| Maximum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods determined by valuation						2 years
Restricted Stock Units (RSUs) [Member] \| Maximum [Member] \| January 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								3 years
Restricted Stock Units (RSUs) [Member] \| Maximum [Member] \| October 2023 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Derived service periods								3 years

Intangible Assets, Net - Summary of Intangible Assets (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Finite-Lived Intangible Assets [Line Items]
Intangible Assets, gross	$ 32,465	$ 27,622
Accumulated Amortization	(18,795)	(13,980)
Intangible Assets, net	13,670	13,642
Internally developed software [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible Assets, gross	32,344	27,501
Accumulated Amortization	(18,724)	(13,917)
Intangible Assets, net	$ 13,620	13,584
Weighted Average Useful Lives	3 years
Domain name [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible Assets, gross	$ 121	121
Accumulated Amortization	(71)	(63)
Intangible Assets, net	$ 50	$ 58
Weighted Average Useful Lives	15 years

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Debt Facility - Additional Information (Detail) - Senior Secured Loan Facility				12 Months Ended
	Oct. 18, 2024 USD ($)	Sep. 13, 2023 USD ($)	Jan. 31, 2021 USD ($)	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Third Amendment
Debt Instrument [Line Items]
Debt instruments gurantied by assets		$ 25,000,000
Victory Park Management, LLC
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity			$ 100,000,000
Debt instrument maturity month and year			2025-01
Proceeds from sale of productive assets				$ 250,000
Percentage of prepayment of loans from proceeds				100
Outstanding amount				$ 75,000,000	$ 75,000,000
Principal repayments				$ 0	$ 0
Victory Park Management, LLC \| Third Amendment
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity		$ 150,000,000	$ 100,000,000
Debt instrument maturity month and year		2026-12
Victory Park Management, LLC \| Fourth Amendment
Debt Instrument [Line Items]
Debt modification, incurred	$ 30,000.00
Gain or loss of debt instrument modification	$ 0
Line of Credit \| Victory Park Management, LLC
Debt Instrument [Line Items]
Debt instrument, description of variable rate basis			6.95% per annum plus a base rate equal to the greater of the three‑month London interbank offered rate (“LIBOR”) as of the last business day of each calendar month and 2.55%
Debt instrument, basis spread on variable rate description			three‑month London interbank offered rate (“LIBOR”)
Debt instrument, basis spread on variable rate			2.55%
Debt instrument covenant amount		$ 15,000,000	$ 8,000,000
Line of Credit \| Victory Park Management, LLC \| Third Amendment
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate description		SOFR for a three‑month tenor
Debt instrument, basis spread on variable rate		3.00%
Debt instrument covenant amount		$ 15,000,000
When Aggregate Outstanding Principal Balance Less Than or Equal to $75 Million \| Victory Park Management, LLC \| Third Amendment
Debt Instrument [Line Items]
Debt instrument, interest rate addition to variable rate		5.00%
When Aggregate Outstanding Principal Balance Greater than $75 Million \| Victory Park Management, LLC \| Third Amendment
Debt Instrument [Line Items]
Debt instrument, interest rate addition to variable rate		4.50%
Base Rate \| Victory Park Management, LLC
Debt Instrument [Line Items]
Line of credit facility, interest rate during period			6.95%
Base Rate \| Victory Park Management, LLC \| Fourth Amendment
Debt Instrument [Line Items]
Interest rate	5.00%

Related-Party Transactions - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Mitchell Sandler LLC,
Related Party Transaction [Line Items]
Legal service charges	$ 0.9	$ 1.3	$ 0.8
Senior Secured Loan Facility \| Closing of Business Combination [Member] \| Victory Park Management, LLC
Related Party Transaction [Line Items]
Interest expense	7.0	7.7	8.6
PCJW Properties LLC [Member] \| Leasing Arrangements [Member]
Related Party Transaction [Line Items]
Operating lease expense	$ 0.4	$ 0.4	$ 0.4

Fair Value of Financial Instruments - Additional Information (Details) - USD ($)		12 Months Ended
	Jan. 05, 2022	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Changes in fair value of public and private warrant liabilities		$ 9,864,000	$ 1,729,000	$ (260,000)
Change in fair value of earnout shares		(3,300,000)	(1,000,000)	20,000.00
Class A common stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Shares subject to forfeiture	49,563
Period over which vesting conditions shall be met	5 years
Public Warrants [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Changes in fair value of public and private warrant liabilities		(5,200,000)	(900,000)	100,000
Private Placement Warrants [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Changes in fair value of public and private warrant liabilities		(4,700,000)	(800,000)	$ 100,000
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets or liabilities measured at fair value		0	0
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets or liabilities measured at fair value		$ 0	$ 0

Organization and Nature of Business - Additional Information (Detail) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2025 USD ($)	Dec. 31, 2025 USD ($) AtmNetwork	Feb. 28, 2025 USD ($)
Organization and Nature of Business Disclosure [Line Items]
Percentage of bank overdrafts			5.00%
Number of ATM network location without withdrawals fee \| AtmNetwork		40,000
Annual percentage yield deposit rates		4.00%
Maximum [Member]
Organization and Nature of Business Disclosure [Line Items]
Subscription fee	$ 3
Minimum [Member]
Organization and Nature of Business Disclosure [Line Items]
Subscription fee	$ 1
Daves Service [Member]
Organization and Nature of Business Disclosure [Line Items]
Additional fees			$ 0
Due to Related Parties		$ 500
Number of business days		11 days
Daves Service [Member] \| Minimum [Member]
Organization and Nature of Business Disclosure [Line Items]
Bank Overdrafts			$ 5

Marketable Securities

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Marketable Securities

Note 3 Marketable Securities

Below is a detail of marketable securities (in thousands):


	December 31, 2025		December 31, 2024
Marketable securities	$	-	$	97
Total	$	-	$	97

At December 31, 2025, the company did not hold any marketable securities. At December 31, 2024, the Company’s marketable securities consisted of investments in a publicly traded money market mutual fund. The underlying money market instruments were primarily comprised of certificates of deposit and financial company asset backed commercial paper. At December 31, 2024 the investment portfolio had a weighted-average maturity of 18 days. The gain recognized in connection with the investment in marketable securities and recorded as a component of interest income in the consolidated statements of operations was $0.003 million, $0.08 million, and $0.4 million for the years ended December 31, 2025, 2024, and 2023 respectively.

Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

Note 14 Fair Value of Financial Instruments

The following are the major categories of assets and liabilities measured at fair value on a recurring basis as of December 31, 2025 and 2024, using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3) (in thousands):


December 31, 2025	Level 1		Level 2		Level 3		Total
Assets
Investments	$	—	$	40,788	$	—	$	40,788
Total assets	$	—	$	40,788	$	—	$	40,788
Liabilities
Warrant liabilities - public warrants	$	6,217	$	—	$	—	$	6,217
Warrant liabilities - private warrants		—		—		5,579		5,579
Earnout liabilities		—		—		4,281		4,281
Total liabilities	$	6,217	$	—	$	9,860	$	16,077

December 31, 2024	Level 1		Level 2		Level 3		Total
Assets
Marketable securities	$	97	$	—	$	—	$	97
Investments		—		40,473		—		40,473
Total assets	$	97	$	40,473	$	—	$	40,570
Liabilities
Warrant liabilities - public warrants	$	1,016	$	—	$	—	$	1,016
Warrant liabilities - private warrants		—		—		916		916
Earnout liabilities		—		—		996		996
Total liabilities	$	1,016	$	—	$	1,912	$	2,928

The Company had no assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2025 and 2024.

The Company also has financial instruments not measured at fair value. The Company has evaluated cash (Level 1), restricted cash (Level 1), accounts payable (Level 2), accrued expenses (Level 2) and ExtraCash receivables (Level 3) and believes the carrying value approximates the fair value due to the short-term nature of these balances. The fair value of the debt facility (Level 2) approximates its carrying value.

Marketable Securities:

The Company evaluated the quoted market prices in active markets for its marketable securities and has classified its securities as Level 1. The Company’s investments in marketable securities are exposed to price fluctuations. The fair value measurements for the securities are based upon the quoted prices of similar items in active markets multiplied by the number of securities owned.

Investments:

The following describes the valuation techniques used by the Company to measure the fair value of investments held as of December 31, 2025 and December 31, 2024.

U.S. Government Securities

The fair value of U.S. government securities is estimated by a third-party pricing service, who employs a rule-based, market-driven methodology to determine fair value for fixed-income instruments. U.S. government securities are categorized in Level 2 of the fair value hierarchy.

Corporate Bonds and Notes

The fair value of corporate bonds and notes is estimated by independent pricing services who use computerized valuation formulas to calculate current values. These securities are generally categorized in Level 2 of the fair value hierarchy or in Level 3 when market-based transaction activity is unavailable and significant unobservable inputs are used.

Asset-Backed Securities

The fair value of these asset-backed securities is estimated by independent pricing services who use computerized valuation formulas to calculate current values. These securities are generally categorized in Level 2 of the fair value hierarchy or in Level 3 when market-based transaction activity is unavailable and significant unobservable inputs are used.

Public Warrants:

As discussed further in Note 10, Warrant Liabilities, in January 2022, upon completion of the Business Combination, public warrants were automatically converted to warrants to purchase Common Stock of the Company. These public warrants met the definition of a derivative under ASC 815, and due to the terms of the warrants, were required to be liability classified. This warrant liability was initially recorded as a liability at fair value, with the offsetting entry recorded as a non-cash expense within the statement of operations. The derivative liability was subsequently recorded at fair value at each reporting period, with changes in fair value reflected in earnings. The gain (loss) related to the change in fair value of the public warrant liability for years ended December 31, 2025, 2024, and 2023 were ($5.2) million, ($0.9) million, and $0.1 million, respectively, and are presented within changes in fair value of public warrant liability in the consolidated statements of operations.

A roll-forward of the Level 1 public warrant liability is as follows (in thousands):


Opening value at January 1, 2024	$	97
Change in fair value during the period		919
Ending value at December 31, 2024		1,016
Change in fair value during the period		5,201
Ending value at December 31, 2025	$	6,217

Private Warrants:

As discussed further in Note 10, Warrant Liabilities, in January 2022, upon completion of the Business Combination, private warrants were automatically converted to warrants to purchase Common Stock of the Company. These private warrants met the definition of a derivative under ASC 815, and due to the terms of the warrants, were required to be liability classified. This warrant liability was initially recorded as a liability at fair value, with the offsetting entry recorded as a non-cash expense within the consolidated statement of operations. The derivative liability was subsequently recorded at fair value at each reporting period, with changes in fair value reflected in earnings. The gain (loss) related to the change in fair value of the private warrant liability for years ended December 31, 2025, 2024, and 2023 were ($4.7) million, ($0.8) million, and $0.1 million, respectively, and are presented within changes in fair value of private warrant liability in the consolidated statements of operations.

A roll-forward of the Level 3 private warrant liability is as follows (in thousands):


Opening value at January 1, 2024	$	105
Change in fair value during the period		811
Ending value at December 31, 2024		916
Change in fair value during the period		4,663
Ending value at December 31, 2025	$	5,579

The Company used a Black-Scholes option pricing model to determine the fair value of the private warrant liability. The following table presents the assumptions used to value the private warrant liability for the year ended December 31, 2025:


Exercise price	$	368
Expected volatility		73.34	%
Risk-free interest rate		3.48	%
Remaining term	1.01 years
Dividend yield		0	%

Earnout Shares Liability:

As part of the recapitalization and business combination in January 2022, 49,563 shares of Class A Common Stock held by founders of VPCC are subject to forfeiture if the vesting condition is not met over the five year term following the Closing Date (“Founder Holder Earnout Shares”). These Founder Holder Earnout Shares were initially recorded as a liability at fair value and subsequently recorded at fair value at each reporting period, with changes in fair value reflected in earnings. The gain (loss) related to the change in fair value of the Founder Holder Earnout Shares liabilities for years ended December 31, 2025, 2024, and 2023 were ($3.3) million, ($1.0) million and $0.02 million, respectively, and are presented within changes in fair value of earnout liabilities in the consolidated statements of operations.

A roll-forward of the Level 3 Founder Holder Earnout Shares liability is as follows (in thousands):


Opening value at January 1, 2024	$	31
Change in fair value during the period		965
Ending value at December 31, 2024		996
Change in fair value during the period		3,285
Ending value at December 31, 2025	$	4,281

The Company used a Monte Carlo Simulation Method to determine the fair value of the Founder Holder Earnout Shares liability. The following table presents the assumptions used to value the Founder Holder Earnout Shares liability for the year ended December 31, 2025:


Exercise price	$400-$480
Expected volatility		69.7	%
Risk-free interest rate		3.50	%
Remaining term	1.01 years
Dividend yield		0	%

There were no other assets or liabilities that were required to be measured at fair value on a recurring basis as of December 31, 2025 and December 31, 2024.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

401(k) Savings Plan

12 Months Ended

Dec. 31, 2025

Retirement Benefits [Abstract]

401(k) Savings Plan

Note 19 401(k) Savings Plan

The Company maintains a 401(k) savings plan for the benefit of its employees. Employees can defer up to 90% of their compensation subject to fixed annual limits. All current employees are eligible to participate in the 401(k) savings plan. Beginning January 2021, the Company began matching contributions to the 401(k) savings plan equal to 100% of the first 4% of wages deferred by each participating employee. The Company incurred expenses for employer matching contributions of $2.2 million, $2.1 million and $2.2 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Fair Value of Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2025

Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis


December 31, 2025	Level 1		Level 2		Level 3		Total
Assets
Investments	$	—	$	40,788	$	—	$	40,788
Total assets	$	—	$	40,788	$	—	$	40,788
Liabilities
Warrant liabilities - public warrants	$	6,217	$	—	$	—	$	6,217
Warrant liabilities - private warrants		—		—		5,579		5,579
Earnout liabilities		—		—		4,281		4,281
Total liabilities	$	6,217	$	—	$	9,860	$	16,077

December 31, 2024	Level 1		Level 2		Level 3		Total
Assets
Marketable securities	$	97	$	—	$	—	$	97
Investments		—		40,473		—		40,473
Total assets	$	97	$	40,473	$	—	$	40,570
Liabilities
Warrant liabilities - public warrants	$	1,016	$	—	$	—	$	1,016
Warrant liabilities - private warrants		—		—		916		916
Earnout liabilities		—		—		996		996
Total liabilities	$	1,016	$	—	$	1,912	$	2,928

Summary of Roll-Forward of the Level 1 Public Warrant Liability

A roll-forward of the Level 1 public warrant liability is as follows (in thousands):


Opening value at January 1, 2024	$	97
Change in fair value during the period		919
Ending value at December 31, 2024		1,016
Change in fair value during the period		5,201
Ending value at December 31, 2025	$	6,217

Summary of Roll-Forward of the Level 3 Private Warrant Liability

A roll-forward of the Level 3 private warrant liability is as follows (in thousands):


Opening value at January 1, 2024	$	105
Change in fair value during the period		811
Ending value at December 31, 2024		916
Change in fair value during the period		4,663
Ending value at December 31, 2025	$	5,579

Black Scholes Option Pricing Model [Member]

Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Summary of Roll-Forward of the Level 3 Private Warrant Liability

The following table presents the assumptions used to value the private warrant liability for the year ended December 31, 2025:


Exercise price	$	368
Expected volatility		73.34	%
Risk-free interest rate		3.48	%
Remaining term	1.01 years
Dividend yield		0	%

Earnout Shares Liability [Member]

Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Schedule of Level 3 Earnout Shares Liability

A roll-forward of the Level 3 Founder Holder Earnout Shares liability is as follows (in thousands):


Opening value at January 1, 2024	$	31
Change in fair value during the period		965
Ending value at December 31, 2024		996
Change in fair value during the period		3,285
Ending value at December 31, 2025	$	4,281

Summary of Assumptions used to Value Founder Shares Liability

The following table presents the assumptions used to value the Founder Holder Earnout Shares liability for the year ended December 31, 2025:


Exercise price	$400-$480
Expected volatility		69.7	%
Risk-free interest rate		3.50	%
Remaining term	1.01 years
Dividend yield		0	%

Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Summary of Operating Revenues

Below is detail of operating revenues (in thousands):


	For the Years Ended December 31,
	2025		2024		2023
Service based revenue, net
Processing and overdraft service fees, net	$	466,841	$	218,802	$	152,490
Tips		7,496		67,563		56,945
Subscriptions		37,224		24,599		21,483
Other		349		462		1,323
Transaction based revenue, net
Interchange revenue, net		24,364		19,990		17,004
ATM revenue, net		2,253		3,087		2,605
Other		15,655		12,573		7,243
Total operating revenues, net	$	554,182	$	347,076	$	259,093

Schedule of Earnings Per Share Basic And Diluted

The following table sets forth the computation of the Company’s basic and diluted net income (loss) per share attributable to holders of common stock (in thousands, except share data):


	For the Years Ended December 31,
	2025		2024		2023
Numerator
Net income (loss) attributed to common stockholders—basic and diluted	$	195,865	$	57,873	$	(48,517	)

Denominator
Weighted-average shares of common stock—basic		13,366,072		12,520,789		11,934,699
Dilutive effect of stock options		195,188		298,088		-
Dilutive effect of RSU		919,443		1,003,705		-
Weighted-average shares of common stock—diluted		14,480,703		13,822,582		11,934,699

Net income (loss) per share
Basic	$	14.65	$	4.62	$	(4.07	)
Diluted	$	13.53	$	4.19	$	(4.07	)

Summary of Computation of Diluted Net Income (Loss) Per Share

The following potentially dilutive shares were excluded from the computation of diluted net income (loss) per share for the periods presented because including them would have been antidilutive:


	For the Years Ended December 31,
	2025		2024		2023
Equity incentive awards		458,850		475,520		2,493,468
Convertible debt		-		-		312,500
Total		458,850		475,520		2,805,968

Intangible Assets, Net (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Summary of Intangible Assets

The Company’s Intangible assets, net consisted of the following (in thousands):


		December 31, 2025							December 31, 2024
	Weighted Average Useful Lives	Gross Carrying Value		Accumulated Amortization			Net Book Value		Gross Carrying Value		Accumulated Amortization			Net Book Value
Internally developed software	3.0 Years	$	32,344	$	(18,724	)	$	13,620	$	27,501	$	(13,917	)	$	13,584
Domain name	15.0 Years		121		(71	)		50		121		(63	)		58
Intangible assets, net		$	32,465	$	(18,795	)	$	13,670	$	27,622	$	(13,980	)	$	13,642

Summary of Estimated Amortization Expenses

The future estimated amortization expenses as of December 31, 2025, were as follows (in thousands):

Investments (Tables)

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Summary of Investments

Below is a summary of investments, which are measured at fair value as of December 31, 2025 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Government securities		40,364		424		-		40,788
Total	$	40,364	$	424	$	-	$	40,788

Below is a summary of investments, which are measured at fair value as of December 31, 2024 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
Corporate bonds	$	4,249	$	1	$	(38	)	$	4,212
Government securities		36,003		258		-			36,261
Total	$	40,252	$	259	$	(38	)	$	40,473

Schedule of Gross Unrealized Losses and Fair Values of Available-for-sale Investment Securities that were in Unrealized Loss Positions

The gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows (in thousands):


	Less Than 12 Months					12 Months or More					Total
	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
As of December 31, 2025
Government Securities	$	40,788	$	-		$	-	$	-		$	40,788	$	-
Total	$	40,788	$	-		$	-	$	-		$	40,788	$	-

	Less Than 12 Months					12 Months or More					Total
	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
December 31, 2024
Corporate bonds	$	2,257	$	(19	)	$	1,043	$	(19	)	$	3,300	$	(38	)
Total	$	2,257	$	(19	)	$	1,043	$	(19	)	$	3,300	$	(38	)

Schedule of Contractual Maturities of Available-for-sale Investment Securities

As of December 31, 2025, the contractual maturities of available-for-sale investment securities were as follows (in thousands):


	Amortized Cost		Fair Value
Due in one year or less	$	40,364	$	40,788
Due after one year through five years	$	-	$	-
Total	$	40,364	$	40,788

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Marketable Securities (Tables)

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Summary of Marketable Securities

Below is a detail of marketable securities (in thousands):


	December 31, 2025		December 31, 2024
Marketable securities	$	-	$	97
Total	$	-	$	97

Fair Value of Financial Instruments - Summary of Roll-Forward of the Level 3 Private Warrant Liability (Detail) - Private Placement Warrants [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 916	$ 105
Change in fair value during the period	$ 4,663	$ 811
Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fair Value Adjustment of Warrants	Fair Value Adjustment of Warrants
Ending value	$ 5,579	$ 916

Insider Trading Policies and Procedures	3 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Treasury Shares

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

Treasury Shares

Note 21 Treasury Shares

In March 2025, the Company's Board of Directors authorized a share repurchase program under which the Company could repurchase up to $50.0 million of Class A common stock (the "March Repurchase Plan"). During the first quarter of 2025, the Company repurchased 81,370 shares of Class A common stock for an aggregate purchase price of $6.9 million, inclusive of transaction costs.

In August 2025, the Company repurchased 132,155 shares of Class A common stock under the March Repurchase Plan for an aggregate purchase price of $25.0 million, inclusive of transaction costs. All repurchased shares were funded using general corporate funds, were recorded as treasury shares and are carried at cost as a component of stockholders’ equity on the consolidated balance sheets. No treasury shares were retired or reissued during the year.

In August 2025, the Company's Board of Directors authorized a new share repurchase program under which the Company may repurchase up to $125.0 million of outstanding Class A common stock (the "August Repurchase Plan"), which replaced the March Repurchase Plan. Prior to being replaced, $18.1 million remained available for share repurchases under the March Repurchase Plan. The repurchases may be conducted through open market transactions, privately negotiated transactions, block trades, one or more Rule 10b5-1 trading plans or other means our management deems appropriate. The program is part of the Company's capital allocation strategy to return capital to shareholders and manage dilution from equity compensation. The timing, price, and volume of repurchases are subject to management’s discretion and depend on market conditions, legal requirements, and other factors. We may suspend or discontinue the program at any time without prior notice. The program has no expiration date.

In November 2025, the Company repurchased 60,965 shares of Class A common stock under the August Repurchase Plan for an aggregate purchase price of $11.8 million, inclusive of transaction costs.

As of December 31, 2025, $113.2 million remained available for future repurchases under the current authorization.

Accrued Expenses and Other Current Liabilities (Tables)

12 Months Ended

Dec. 31, 2025

Accrued Liabilities and Other Liabilities [Abstract]

Summary of Accrued Expenses

The Company’s accrued expenses consisted of the following (in thousands):


	December 31, 2025		December 31, 2024
Accrued compensation	$	5,518	$	5,166
Accrued professional and program fees		4,696		4,718
Income taxes payable		1,651		1,476
Sales tax payable		1,314		1,021
Accrued charitable contributions		1,034		2,223
Accrued negative account balances		141		1,786
Other		344		317
Total	$	14,698	$	16,707

Summary of Other Current Liabilities

The Company’s other current liabilities consisted of the following (in thousands):


	December 31, 2025		December 31, 2024
Forward commitment liability	$	3,617	$	-
Deferred transaction costs		3,150		3,150
Unearned revenue		606		411
Other		667		571
Total	$	8,040	$	4,132

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Components of Income Tax Expense

The components of income tax (benefit) expense for the years ended December 31, 2025, 2024, and 2023 were as follows (in thousands):


	2025			2024		2023
Current:
Federal	$	2,055		$	1,244	$	-
State		4,342			1,237		120
Total current		6,397			2,481		120
Deferred:
Federal		(18,630	)		-		-
State		(15,605	)		-		-
Total deferred		(34,235	)		-		-
Provision for (benefit from) income taxes	$	(27,838	)	$	2,481	$	120

Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Tax Rate

A reconciliation between the Company’s federal statutory tax rate and its effective tax rate for the years ended December 31, 2025, 2024 and 2023 is as follows (dollars in thousands):


	2025						2024						2023
	Amount			Rate			Amount			Rate			Amount			Rate
Federal statutory tax rate	$	35,286			21.0	%		12,674			21.0	%		(10,163	)		21.0	%
State and local taxes, net of federal tax effect (a)		(13,429	)		-8.0	%		155			0.3	%		2,976			-6.1	%
Tax credits
Research and development tax credits		(5,973	)		-3.6	%		(5,320	)		-8.8	%		(3,486	)		7.2	%
Changes in valuation allowances		(38,887	)		-23.1	%		(5,592	)		-9.3	%		5,867			-12.1	%
Nontaxable or nondeductible items:
Stock-based compensation		(24,193	)		-14.4	%		(3,926	)		-6.5	%		4,614			-9.5	%
Nondeductible compensation		15,272			9.1	%		3,218			5.3	%		1,159			-2.4	%
Warrant liability		2,071			1.2	%		363			0.6	%		(55	)		0.1	%
Other nontaxable or nondeductible items		717			0.4	%		158			0.3	%		31			-0.1	%
Change in unrecognized tax benefits		1,298			0.8	%		737			1.2	%		481			-1.0	%
Other adjustments
Start-up costs		-			0.0	%		-			0.0	%		(1,304	)		2.7	%
Other		-			0.0	%		14			0.0	%		-			0.0	%
Effective tax rate	$	(27,838	)		-16.6	%	$	2,481			4.1	%	$	120			-0.2	%
(a) State taxes in California, Georgia, Illinois, New York, and New Jersey make up the majority (greater than 50 percent) of the tax effect in this category.

Schedule of Income Taxes Paid (Net of Refunds)

Income taxes paid (net of refunds) for the years ended December 31, 2025, 2024 and 2023 were as follows (in thousands):


	2025		2024			2023
Federal	$	3,939	$	2		$	-
States (a)		1,642		(111	)		(586	)
Total	$	5,581	$	(109	)	$	(586	)
(a) Some jurisdictions met the 5% disaggregation threshold; however, the related amounts were immaterial

Components of Deferred Tax Assets and Liabilities

The major components of the Company’s deferred tax assets and liabilities as of December 31, 2025 and 2024, consists of the following (in thousands):


	2025			2024
Deferred tax assets:
Net operating loss carryforward	$	6,019		$	13,653
Allowance for credit losses		9,328			6,530
Research and development tax credit		12,194			10,477
Accrued expenses		2,302			2,857
Accrued compensation		1,187			1,267
Lease liability		50			159
Stock-based compensation		1,455			1,102
Section 174 research and development expenditures		-			21,721
Other		2,806			1,881
Total deferred tax assets		35,341			59,647
Deferred tax liabilities:
Prepaid expenses		(892	)		(756	)
Section 174 research and development expenditures		(61	)		-
Other		(203	)		(233	)
Total deferred tax liabilities		(1,156	)		(989	)
Total net deferred tax assets before valuation allowance		34,185			58,658
Less: valuation allowance		-			(58,658	)
Total net deferred taxes	$	34,185		$	-

Schedule of Reconciliation of Gross Unrecognized Tax Benefits

A reconciliation of the Company’s gross unrecognized tax benefits as of December 31, 2025 and 2024 is as follows (in thousands):


	2025		2024
Balance at beginning of year	$	2,026	$	1,325
Increases to prior positions		57		95
Decreases to prior positions		-		-
Increases for current year positions		1,189		606
Balance at end of year	$	3,272	$	2,026

Income Taxes

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Income Taxes

Note 18 Income Taxes

The components of income tax (benefit) expense for the years ended December 31, 2025, 2024, and 2023 were as follows (in thousands):


	2025			2024		2023
Current:
Federal	$	2,055		$	1,244	$	-
State		4,342			1,237		120
Total current		6,397			2,481		120
Deferred:
Federal		(18,630	)		-		-
State		(15,605	)		-		-
Total deferred		(34,235	)		-		-
Provision for (benefit from) income taxes	$	(27,838	)	$	2,481	$	120

A reconciliation between the Company’s federal statutory tax rate and its effective tax rate for the years ended December 31, 2025, 2024 and 2023 is as follows (dollars in thousands):


	2025						2024						2023
	Amount			Rate			Amount			Rate			Amount			Rate
Federal statutory tax rate	$	35,286			21.0	%		12,674			21.0	%		(10,163	)		21.0	%
State and local taxes, net of federal tax effect (a)		(13,429	)		-8.0	%		155			0.3	%		2,976			-6.1	%
Tax credits
Research and development tax credits		(5,973	)		-3.6	%		(5,320	)		-8.8	%		(3,486	)		7.2	%
Changes in valuation allowances		(38,887	)		-23.1	%		(5,592	)		-9.3	%		5,867			-12.1	%
Nontaxable or nondeductible items:
Stock-based compensation		(24,193	)		-14.4	%		(3,926	)		-6.5	%		4,614			-9.5	%
Nondeductible compensation		15,272			9.1	%		3,218			5.3	%		1,159			-2.4	%
Warrant liability		2,071			1.2	%		363			0.6	%		(55	)		0.1	%
Other nontaxable or nondeductible items		717			0.4	%		158			0.3	%		31			-0.1	%
Change in unrecognized tax benefits		1,298			0.8	%		737			1.2	%		481			-1.0	%
Other adjustments
Start-up costs		-			0.0	%		-			0.0	%		(1,304	)		2.7	%
Other		-			0.0	%		14			0.0	%		-			0.0	%
Effective tax rate	$	(27,838	)		-16.6	%	$	2,481			4.1	%	$	120			-0.2	%
(a) State taxes in California, Georgia, Illinois, New York, and New Jersey make up the majority (greater than 50 percent) of the tax effect in this category.

Income taxes paid (net of refunds) for the years ended December 31, 2025, 2024 and 2023 were as follows (in thousands):


	2025		2024			2023
Federal	$	3,939	$	2		$	-
States (a)		1,642		(111	)		(586	)
Total	$	5,581	$	(109	)	$	(586	)
(a) Some jurisdictions met the 5% disaggregation threshold; however, the related amounts were immaterial

The major components of the Company’s deferred tax assets and liabilities as of December 31, 2025 and 2024, consists of the following (in thousands):


	2025			2024
Deferred tax assets:
Net operating loss carryforward	$	6,019		$	13,653
Allowance for credit losses		9,328			6,530
Research and development tax credit		12,194			10,477
Accrued expenses		2,302			2,857
Accrued compensation		1,187			1,267
Lease liability		50			159
Stock-based compensation		1,455			1,102
Section 174 research and development expenditures		-			21,721
Other		2,806			1,881
Total deferred tax assets		35,341			59,647
Deferred tax liabilities:
Prepaid expenses		(892	)		(756	)
Section 174 research and development expenditures		(61	)		-
Other		(203	)		(233	)
Total deferred tax liabilities		(1,156	)		(989	)
Total net deferred tax assets before valuation allowance		34,185			58,658
Less: valuation allowance		-			(58,658	)
Total net deferred taxes	$	34,185		$	-

As of December 31, 2025, the Company had no federal net operating loss carryforwards and $70.7 million of combined state net operating loss (“NOL”) carryforwards available to offset future taxable income. The state NOLs begin to expire in 2032. We also had federal and state R&D tax credit carryforwards of $11.5 million and $3.1 million at December 31, 2025, respectively. The federal business tax credit carryforwards can be carried forward for 20 years and will expire between 2043 and 2045. The state R&D tax credit carryforwards do not expire. Internal Revenue Code Section 382 imposes limitations on the utilization of NOLs and credits in the event of certain changes in ownership of the Company. The Company completed a Section 382 ownership change analysis from inception through December 31, 2024. In addition, the Company monitors ownership changes of significant stockholders on an ongoing basis to assess whether an ownership change has occurred under Section 382. Based on these analyses, one ownership change occurred in 2017. However any annual limitations from the ownership change would not result in attribute carryforward limitations under Section 382. The realization of deferred tax assets is dependent upon future sources of taxable income. In making that assessment, the Company considers both positive and negative evidence in the various jurisdictions in which it operates related to the likelihood of realization of the deferred tax assets to determine, based on the weight of available evidence, whether it is more likely than not that some or all of the deferred tax assets will not be realized. The Company recorded a valuation allowance against the deferred tax assets, net of deferred tax liabilities, at December 31, 2024 of $58.7 million. Based upon management’s assessment of all available evidence at December 31, 2024, we concluded that it was more-likely-than-not that the deferred tax assets, net of deferred tax liabilities, will not be realized. As of December 31, 2025, based on all available positive and negative evidence, having demonstrated sustained profitability, which is objective and verifiable, and taking into account anticipated future earnings, the Company has concluded that it is more likely than not that its U.S. federal and state deferred tax assets will be realizable. As such, the Company released $58.7 million of the valuation allowance associated with the U.S. federal and state deferred tax assets during the year ended December 31, 2025.

A reconciliation of the Company’s gross unrecognized tax benefits as of December 31, 2025 and 2024 is as follows (in thousands):


	2025		2024
Balance at beginning of year	$	2,026	$	1,325
Increases to prior positions		57		95
Decreases to prior positions		-		-
Increases for current year positions		1,189		606
Balance at end of year	$	3,272	$	2,026

As of December 31, 2025, the Company had $3.3 million of gross unrecognized tax benefits related to state income taxes and federal and state research and development tax credits. The unrecognized tax benefits of $3.3 million as of December 31, 2025, would, if recognized, affect the effective tax rate. Although it is possible that the amount of unrecognized tax benefits with respect to the uncertain tax positions will increase or decrease in the next 12 months, the Company does not expect material changes.

The Company recognized insignificant amounts of interest expense as a component of income tax expense during the years ended December 31, 2025 and 2024. The income tax related accrued interest amounts were also insignificant as of December 31, 2025 and 2024, respectively.

The Company is subject to examination by taxing authorities in the jurisdictions in which it files tax returns, including federal, California, and various other state jurisdictions. The federal statute of limitations remains open for the tax years December 31, 2022 and thereafter. The statute of limitations for California and various other state jurisdictions remains open for the tax years December 31, 2021 and thereafter.

On June 27, 2025, California enacted legislation requiring financial institutions to utilize a single sales factor apportionment method, effective for tax years beginning in 2025. The new law decreased the Company's California apportioned income and state income tax expense in 2025 and was reflected in the Company's consolidated financial statements for the year ended December 31, 2025.

On July 4, 2025, new U.S. tax legislation H.R.1, known as the One Big Beautiful Bill Act ("OBBBA"), was enacted. The OBBBA introduces significant amendments to corporate taxation, including the modification of research and development (R&D) expense capitalization, additional limitations on interest expense deductions, and provisions for accelerated depreciation of fixed assets. During the third quarter of 2025, the Company completed its assessment of the OBBBA and elected to accelerate the amortization of its previously capitalized and unamortized U.S. research and development costs over a one-year period as permitted under the new legislation. As a result of the election, there was a corresponding decrease to the Company's deferred tax assets and income tax payable resulting from the restoration of full expensing of U.S. research and experimentation expenditures. The Company also does not expect any ongoing material impact to its effective tax rate as a result of the OBBBA.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477617/942-740-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478822/944-740-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12

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-Name Accounting Standards Codification
-Section 55
-Paragraph 231
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482663/740-10-55-231

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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482685/740-10-50-14

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (b)
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-Subparagraph (a)
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+ Details

Related-Party Transactions - Summary of Future Minimum Rental Payments (Detail) - PCJW Properties LLC [Member] $ in Thousands	Dec. 31, 2025 USD ($)
Related Party Lessee Operating Lease Liability Maturity [Line Items]
2026	$ 79
2027	83
2028	72
Total minimum lease payments	234
Less: imputed interest	(30)
Total lease liabilities	$ 204

Property and Equipment, Net - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 0.5	$ 0.7	$ 0.6

Accrued Expenses and Other Current Liabilities - Summary of Accrued Expenses (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Accrued Liabilities and Other Liabilities [Abstract]
Accrued compensation	$ 5,518	$ 5,166
Accrued professional and program fees	4,696	4,718
Income taxes payable	1,651	1,476
Sales tax payable	1,314	1,021
Accrued charitable contributions	1,034	2,223
Accrued negative account balances	141	1,786
Other	344	317
Total	$ 14,698	$ 16,707

Leases

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Leases

Note 13 Leases

In January 2019, the Company entered into a lease agreement with PCJW Properties LLC (“PCJW”) for office space located in Los Angeles, California. The lease term was seven years, beginning January 1, 2019 and ended December 31, 2025. Monthly rent was $0.02 million, subject to an annual escalation of 5%.

In December 2018, the Company entered into a sublease agreement with PCJW, controlled by Company’s founders (including the Company’s CEO), for general office space next to the aforementioned leased property in Los Angeles, California. The lease term was five years subject to early termination by either party, beginning November 2018 and ending October 2023. In November 2023, the Company extended the sublease for five more years ending October 2028. Under the terms of the sublease, the current monthly rent is $0.007 million, subject to an annual escalation of 4%.

All leases were classified as operating and operating lease expenses are presented within Other operating expenses in the consolidated statements of operations. The Company does not have any finance leases or sublease arrangements where the Company is the sublessor.

The Company’s leasing activities are as follows (in thousands):


	For the Year Ended,
	2025		2024
Operating lease cost	$	348	$	347
Short-term lease cost		-		-
Total lease cost	$	348	$	347


	For the Year Ended,
	2025			2024
Other information:
Cash paid for operating leases	$	386		$	369
Weighted-average remaining lease term - operating lease		2.84			2.32
Weighted-average discount rate - operating lease		10	%		10	%

The future minimum lease payments as of December 31, 2025, were as follows (in thousands):


Year	Related-Party Commitment
2026		79
2027		83
2028		72
Total minimum lease payments	$	234
Less: imputed interest	$	(30	)
Total lease liabilities	$	204

Income Taxes - Components of Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets
Net operating loss carryforward	$ 6,019	$ 13,653
Allowance for credit losses	9,328	6,530
Research and development tax credit	12,194	10,477
Accrued expenses	2,302	2,857
Accrued compensation	1,187	1,267
Lease liability	50	159
Stock-based compensation	1,455	1,102
Section 174 research and development expenditures	0	21,721
Other	2,806	1,881
Total deferred tax assets	35,341	59,647
Deferred tax liabilities
Prepaid expenses	(892)	(756)
Section 174 research and development expenditures	(61)	0
Other	(203)	(233)
Total deferred tax liabilities	(1,156)	(989)
Total net deferred tax assets before valuation allowance	34,185	58,658
Less: valuation allowance	0	(58,658)
Total net deferred taxes	$ 34,185	$ 0

Property and Equipment, Net (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Summary of Property and Equipment

Property and equipment, net consisted of the following (in thousands):


	December 31, 2025			December 31, 2024
Computer equipment	$	1,367		$	1,094
Leasehold improvements		1,193			1,189
Furniture and fixtures		92			92
Total property and equipment		2,652			2,375
Less: accumulated depreciation		(2,178	)		(1,671	)
Property and equipment, net	$	474		$	704

Intangible Assets, Net - Summary of Estimated Amortization Expenses (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2026	$ 6,531
2027	4,473
Thereafter	2,666
Intangible Assets, net	$ 13,670	$ 13,642

Significant Accounting Policies - Summary of Operating Revenues (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Revenue Recognition [Line Items]
Revenues	$ 554,182	$ 347,076	$ 259,093
Processing and overdraft service fees, net [Member]
Revenue Recognition [Line Items]
Revenues	466,841	218,802	152,490
Tips [Member]
Revenue Recognition [Line Items]
Revenues	7,496	67,563	56,945
Subscriptions [Member]
Revenue Recognition [Line Items]
Revenues	37,224	24,599	21,483
Other [Member]
Revenue Recognition [Line Items]
Revenues	349	462	1,323
Interchange revenue, net [Member]
Revenue Recognition [Line Items]
Revenues	24,364	19,990	17,004
ATM revenue, net [Member]
Revenue Recognition [Line Items]
Revenues	2,253	3,087	2,605
Transaction based revenue Other, net [Member]
Revenue Recognition [Line Items]
Revenues	$ 15,655	$ 12,573	$ 7,243

- Definition

Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
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+ Details

Property and Equipment, Net

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Property and Equipment, Net

Note 6 Property and Equipment, Net

Property and equipment, net consisted of the following (in thousands):


	December 31, 2025			December 31, 2024
Computer equipment	$	1,367		$	1,094
Leasehold improvements		1,193			1,189
Furniture and fixtures		92			92
Total property and equipment		2,652			2,375
Less: accumulated depreciation		(2,178	)		(1,671	)
Property and equipment, net	$	474		$	704

Depreciation expense for the years ended December 31, 2025, 2024, and 2023 was approximately $0.5 million, $0.7 million and $0.6 million, respectively.

Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2025

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Stock Option Activity

Activity with respect to stock options is summarized as follows:


	Shares			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Term (years)		Aggregate Intrinsic Value (in thousands)
Options outstanding, January 1, 2025		558,379		$	16.92		5.6	$	39,085
Granted		-		$	-
Exercised		(109,409	)	$	6.95
Forfeited		-		$	-
Expired		(798	)	$	22.21
Options outstanding, December 31, 2025		448,172		$	19.35		4.9		90,558
Nonvested options, December 31, 2025		238,686		$	23.16		5.2		47,319
Vested and exercisable, December 31, 2025		209,486		$	15.01		4.6		43,238

January 2023 [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options

The following table presents the key inputs and assumptions used to value the RSUs granted during January 2023 that contain service and market conditions on the grant date:


Remaining term	5.0 years
Risk-free interest rate		3.5	%
Expected volatility		79.7	%

October 2023 [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options

The following table presents the key inputs and assumptions used to value the RSUs granted during October 2023 that contain service and market conditions on the grant date:


Remaining term	4.2 years
Risk-free interest rate		4.9	%
Expected volatility		87.6	%

June 2024 [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options

The following table presents the key inputs and assumptions used to value the RSUs modified during the quarter ended June 30, 2024:


Remaining term	3.7 years
Risk-free interest rate		4.7	%
Expected volatility		71.7	%

Performance-Based Restricted Stock Units [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Restricted Stock Activity

Activity with respect to Performance-Based RSUs is summarized as follows:


	Shares			Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2025		338,052		$	34.26
Granted		185,055		$	91.94
Vested and Released		(210,453	)	$	34.48
Forfeited		(21,142	)	$	63.19
Outstanding shares at December 31, 2025		291,512		$	68.62

Chief Executive Officer [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options

The following table presents the key inputs and assumptions used to value the options granted to the Chief Executive Officer on the grant date:


Remaining term	10.0 years
Risk-free interest rate		1.5	%
Expected dividend yield		0.0	%
Expected volatility		40.0	%

Summary of Restricted Stock Activity

Activity with respect to RSUs is summarized as follows:


	Shares			Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2025		1,200,868		$	27.21
Granted		256,064		$	108.26
Vested and Released		(621,522	)	$	39.73
Forfeited		(112,810	)	$	25.63
Outstanding shares at December 31, 2025		722,600		$	51.98

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

ExtraCash Receivables, Net - Summary of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]
Beginning balance	$ 22,703	$ 20,310
Plus: provision for credit losses	91,040	54,626	$ 58,386
Plus: amounts recovered	16,680	12,438
Less: amounts written-off	(92,782)	(64,671)
Ending balance	$ 37,641	$ 22,703	$ 20,310

- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

+ References + Details

Marketable Securities - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Financing receivable weighted average maturity	18 days
Marketable securities, gain	$ 3	$ 80	$ 400

Investments - Schedule of Contractual Maturities of Available-for-sale Investment Securities (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Amortized Cost
Due in one year or less	$ 40,364
Due after one year through five years	0
Total	40,364	$ 40,252
Fair Value
Due in one year or less	40,788
Due after one year through five years	0
Total	$ 40,788	$ 40,473

- Definition

Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

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+ Details

Significant Accounting Policies - Summary of Computation of Diluted Net Income (Loss) Per Share (Detail) - shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	458,850	475,520	2,805,968
Equity incentive awards
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	458,850	475,520	2,493,468
Convertible debt
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	0	0	312,500

ExtraCash Receivables, Net

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

ExtraCash Receivables, Net

Note 5 ExtraCash Receivables, Net

ExtraCash receivables, net, represent outstanding originations, overdraft service fees, tips, and processing fees, net of direct origination costs, less an allowance for credit losses. Prior to the elimination of the optional tipping feature in February 2025, ExtraCash receivables also included outstanding tips.

Below is a detail of ExtraCash receivables, net as of December 31, 2025 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	242,091	$	(3,006	)	$	239,085
11-30		56,897		(8,851	)		48,046
31-60		13,093		(7,942	)		5,151
61-90		11,893		(8,888	)		3,005
91-120		10,974		(8,954	)		2,020
Total	$	334,948	$	(37,641	)	$	297,307

Below is a detail of ExtraCash receivables, net as of December 31, 2024 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	142,623	$	(2,112	)	$	140,511
11-30		36,198		(6,223	)		29,975
31-60		7,882		(4,937	)		2,945
61-90		6,140		(4,712	)		1,428
91-120		5,717		(4,719	)		998
Total	$	198,560	$	(22,703	)	$	175,857

The roll-forward of the allowance for credit losses is as follows (in thousands):


Opening allowance balance at January 1, 2025	$	22,703
Plus: provision for credit losses		91,040
Plus: amounts recovered		16,680
Less: amounts written-off		(92,782	)
Ending allowance balance at December 31, 2025	$	37,641

Opening allowance balance at January 1, 2024	$	20,310
Plus: provision for credit losses		54,626
Plus: amounts recovered		12,438
Less: amounts written-off		(64,671	)
Ending allowance balance at December 31, 2024	$	22,703

The provision for credit losses and amounts written-off for the year ended December 31, 2025 were higher compared to the year ended December 31, 2024, due primarily to increased ExtraCash originations, which increased from $5.1 billion to $7.6 billion year over year. Loss rates during the year increased consistent with expectations given portfolio maturation, growth dynamics, and the Company's strategic emphasis on gross profit optimization.

Income Taxes - Components of Income Tax Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Current:
Federal	$ 2,055	$ 1,244	$ 0
State	4,342	1,237	120
Total current	6,397	2,481	120
Deferred:
Federal	(18,630)	0	0
State	(15,605)	0	0
Total deferred	(34,235)	0	0
Provision for (benefit from) income taxes	$ (27,838)	$ 2,481	$ 120

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

+ References

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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1
-Subparagraph (SX 210.7-04(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 2
-Subparagraph (a)
-SubTopic 20
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+ Details

Cover Page - USD ($) $ in Millions	12 Months Ended
Cover Page - USD ($) $ in Millions	Dec. 31, 2025	Feb. 17, 2026	Jun. 30, 2025
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2025
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2025
Current Fiscal Year End Date	--12-31
Entity Registrant Name	Dave Inc./DE
Entity Central Index Key	0001841408
Entity Tax Identification Number	86-1481509
Entity Filer Category	Large Accelerated Filer
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity File Number	001-40161
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	1265 South Cochran Ave
Entity Address, City or Town	Los Angeles
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	90019
City Area Code	844
Local Phone Number	857-3283
Document Transition Report	false
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Document Annual Report	true
Entity Well-known Seasoned Issuer	No
ICFR Auditor Attestation Flag	true
Entity Voluntary Filers	No
Document Financial Statement Error Correction	false
Entity Public Float			$ 3,052
Auditor Name	Deloitte & Touche LLP
Auditor Location	Los Angeles
Auditor Firm ID	34
Documents Incorporated by Reference [Text Block]	Part III incorporates by reference certain information from the registrant’s definitive proxy statement (the “Proxy Statement”) relating to its Annual Meeting of Stockholders to be held in 2026. The Proxy Statement will be filed with the Securities and Exchange Commission within 120 days after the end of the fiscal year to which this report relates.
Auditor Opinion [Text Block]	Opinion on the Financial Statements We have audited the accompanying consolidated balance sheets of Dave Inc. and subsidiaries (the "Company") as of December 31, 2025 and 2024, the related consolidated statements of operations, comprehensive income (loss), stockholders’ equity, and cash flows, for each of the three years in the period ended December 31, 2025, and the related notes (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2025 and 2024, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2025, in conformity with accounting principles generally accepted in the United States of America. We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's internal control over financial reporting as of December 31, 2025, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission and our report dated March 2, 2026, expressed an unqualified opinion on the Company's internal control over financial reporting.
Warrant [Member]
Document Information [Line Items]
Title of 12(b) Security	Redeemable warrants, each lot of 32 warrants exercisable for one share of Class A common stock, each at an exercise price of $368 per share
Trading Symbol	DAVEW
Security Exchange Name	NASDAQ
Class A common stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Class A common stock, par value $0.0001
Trading Symbol	DAVE
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		12,245,516
Class V common stock [Member]
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		1,314,082

Treasury Shares - Additional Information (Details) - Class A common stock [Member] - USD ($)	1 Months Ended
	Nov. 30, 2025	Aug. 31, 2025	Mar. 31, 2025	Dec. 31, 2025
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, number of shares repurchased	60,965	132,155	81,370
Stock repurchase program aggregate purchase price	$ 11,800,000	$ 25,000,000	$ 6,900,000
Treasury shares retired		0
Treasury shares reissued		0
Stock repurchase program, remaining available under Repurchase Plans		$ 18,100,000		$ 113,200,000
Maximum [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, number of shares authorized		$ 125,000,000	$ 50,000,000

Significant Accounting Policies - Additional Information (Detail) $ / shares in Units, $ in Millions			12 Months Ended
	Jan. 05, 2023 shares	Jan. 04, 2023 shares	Dec. 31, 2025 USD ($) $ / shares shares	Dec. 31, 2024 USD ($) $ / shares shares	Dec. 31, 2023 USD ($) shares
Significant Accountings Policies [Line Items]
Reverse stock split, description	1-for-32 reverse stock split effected on January 5, 2023	1-for-32 reverse stock split effected on January 5, 2023
Reverse stock split, conversion ratio	0.03125	0.03125
Number of warrants exercisable per common stock \| shares	32	32
Allowance for credit losses average term			11 days
Accounts receivable, noncurrent, threshold period past due, writeoff			120 days
Unrecognized tax benefits, income tax penalties and interest accrued			$ 3.3	$ 2.0
FDIC insured amount			81.4	61.1
Loan origination costs			6.0	3.5	$ 3.3
Capitalized costs for internally developed software			6.5	7.3	7.6
Internally developed software fully amortized and written off			1.6	1.4	7.7
Advertising costs			57.4	44.9	48.4
Activation costs			$ 8.5	$ 8.5	$ 8.5
Effective income tax rate			50.00%
Computation of diluted net income excluded \| shares			458,850	475,520	2,805,968
Accounting Standards Update 2023-09 [Member]
Significant Accountings Policies [Line Items]
Change in Accounting Principle, Accounting Standards Update, Adopted [true false]			true
Change in Accounting Principle, Accounting Standards Update, Adoption Date			Dec. 31, 2025
Change in Accounting Principle, Accounting Standards Update, Immaterial Effect [true false]			true
Accounting Standards Update 2023-07 [Member]
Significant Accountings Policies [Line Items]
Change in Accounting Principle, Accounting Standards Update, Adopted [true false]			true
Change in Accounting Principle, Accounting Standards Update, Adoption Date			Dec. 31, 2024
Change in Accounting Principle, Accounting Standards Update, Immaterial Effect [true false]			true
Accounting Standards Update 2016-13 [Member]
Significant Accountings Policies [Line Items]
Change in Accounting Principle, Accounting Standards Update, Adopted [true false]			true
Change in Accounting Principle, Accounting Standards Update, Adoption Date			Jan. 01, 2023
Change in Accounting Principle, Accounting Standards Update, Immaterial Effect [true false]			true
Public and Private Warrants [Member]
Significant Accountings Policies [Line Items]
Computation of diluted net income excluded \| shares			11,444,235
Earnout Shares [Member]
Significant Accountings Policies [Line Items]
Computation of diluted net income excluded \| shares				49,563
Class A common stock [Member]
Significant Accountings Policies [Line Items]
Common stock par value per share \| $ / shares			$ 0.0001	$ 0.0001
Class V common stock [Member]
Significant Accountings Policies [Line Items]
Common stock par value per share \| $ / shares			$ 0.0001	$ 0.0001
Member's Usage of Out-of-Network [Member]
Significant Accountings Policies [Line Items]
ATM-related fees			$ 2.3	$ 3.1	$ 2.6
Transaction based revenue, net [Member]
Significant Accountings Policies [Line Items]
ATM-related fees			$ 2.3	$ 2.1	$ 1.8
Minimum [Member]
Significant Accountings Policies [Line Items]
Accounts receivable, noncurrent, threshold period past due			12 days
Property, plant and equipment, useful life			3 years
Maximum [Member]
Significant Accountings Policies [Line Items]
Property, plant and equipment, useful life			7 years
Computer Software, Intangible Asset [Member]
Significant Accountings Policies [Line Items]
Finite-lived intangible asset, useful life			3 years

Accrued Expenses and Other Current Liabilities

12 Months Ended

Dec. 31, 2025

Accrued Liabilities and Other Liabilities [Abstract]

Accrued Expenses and Other Current Liabilities

Note 8 Accrued Expenses and Other Current Liabilities

Accrued Expenses

The Company’s accrued expenses consisted of the following (in thousands):


	December 31, 2025		December 31, 2024
Accrued compensation	$	5,518	$	5,166
Accrued professional and program fees		4,696		4,718
Income taxes payable		1,651		1,476
Sales tax payable		1,314		1,021
Accrued charitable contributions		1,034		2,223
Accrued negative account balances		141		1,786
Other		344		317
Total	$	14,698	$	16,707

Accrued compensation consists primarily of accrued salaries, wages, payroll taxes, bonuses, and employee benefits earned but not yet paid. Accrued professional and program fees consist primarily of amounts owed to third party service providers, including legal, accounting, consulting, and program-related vendors.

Other Current Liabilities

The Company’s other current liabilities consisted of the following (in thousands):


	December 31, 2025		December 31, 2024
Forward commitment liability	$	3,617	$	-
Deferred transaction costs		3,150		3,150
Unearned revenue		606		411
Other		667		571
Total	$	8,040	$	4,132

Forward commitment liability represents the Company's obligation to purchase ExtraCash receivables originated under a bank partner arrangement that have not yet been purchased by the Company as of the balance sheet date.

Deferred transaction costs include transaction costs associated with the Business Combination. These transaction costs were also capitalized and included within additional paid-in capital in the consolidated balance sheets.

Fair Value of Financial Instruments - Summary of Assumptions used to Value Founder Shares Liability (Detail) - Founder Holder Earnout Shares Liability [Member]	Dec. 31, 2025
Exercise price \| Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	400
Exercise price \| Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	480
Expected volatility
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	69.7
Risk-free interest rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	3.5
Remaining term
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Remaining term	1 year 3 days
Dividend yield
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	0

Significant Accounting Policies - Schedule of Earnings Per Share Basic And Diluted (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Numerator
Net income (loss) attributed to common stockholders - basic	$ 195,865	$ 57,873	$ (48,517)
Net income (loss) attributed to common stockholders - diluted	$ 195,865	$ 57,873	$ (48,517)
Denominator
Weighted-average shares of common stock—basic	13,366,072	12,520,789	11,934,699
Dilutive effect of stock options	195,188	298,088	0
Dilutive effect of RSU	919,443	1,003,705	0
Weighted-average shares of common stock-diluted	14,480,703	13,822,582	11,934,699
Net income (loss) per share:
Basic	$ 14.65	$ 4.62	$ (4.07)
Diluted	$ 13.53	$ 4.19	$ (4.07)

Commitments and Contingencies

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Note 12 Commitments and Contingencies

From time to time, the Company is subject to various other legal proceedings and claims, either asserted or unasserted, that arise in the ordinary course of business. Other than as described below, management does not believe that any of these proceedings or claims will have a significant adverse effect on the Company’s business, financial condition, results of operations, or cash flows. However, legal proceedings and claims are subject to many factors that are difficult to predict, so there can be no assurance that, in the event of a material unfavorable result in one or more claims, the Company will not incur material costs.

1. United States of America v. Dave, Inc. and Jason Wilk (filed December 30, 2024 in the United States District Court for the Central District of California)

In January 2023, the Company received a Civil Investigative Demand from the Federal Trade Commission (the “FTC”) staff seeking information in connection with the sale, offering, advertising, marketing or other promotion of cash advance products and online financial services. In response, the Company cooperated with the FTC staff while seeking to engage constructively with the FTC to resolve this matter.

On August 21, 2024, the FTC staff sent the Company a proposed consent order and draft complaint, alleging that the Company had violated Section 5(a) of the Federal Trade Commission Act ("FTC Act") which prohibits "unfair or deceptive acts or practices in or affecting commerce" and certain provisions of the Restore Online Shoppers’ Confidence Act related to the Company’s platform and offering of the ExtraCash Product (the “Complaint”), and advising that it would recommend the filing of an enforcement action if the Company did not settle the FTC’s claims. The Company engaged in good faith negotiations with the FTC staff to settle the claims but these negotiations were unsuccessful, and on November 5, 2024, the FTC filed the Complaint in the United States District Court for the Central District of California against the Company. The Complaint sought a permanent injunction, monetary relief for an unspecified amount and “other relief as the court determines to be just and proper.” The FTC then referred the case to the Department of Justice (the “DOJ”), and on December 30, 2024, the DOJ filed an amended civil complaint in the United States District Court for the Central District of California, naming the Company and our Chief Executive Officer, Jason Wilk as defendants (the "Amended Complaint"). The Amended Complaint alleges that Dave violated Section 5(a) of the FTC Act as well as the Restore Online Shoppers' Confidence Act. The DOJ is seeking injunctive relief, civil penalties, monetary relief and other relief. On February 28, 2025, we filed a motion to dismiss the DOJ’s Amended Complaint. On April 7, 2025, the DOJ filed an opposition to the Company's motion to dismiss and on April 21, 2025 the Company filed its reply in support of the Company's motion to dismiss. The hearing on the Company's motion to dismiss was held on June 30, 2025. On September 12, 2025, the Court denied the Company's motion to dismiss. On October 10, 2025, the Company answered the Amended Complaint.

2. Michael Russell et al. v. Dave, Inc. and Evolve Bank & Trust (filed April 1, 2025 in the Superior Court of California for Los Angeles County, California)

On April 1, 2025, a putative class action was filed by Michael Russell and other named plaintiffs (the "Russell Plaintiffs") against the Company in the Superior Court of California for Los Angeles County, California, alleging that the Company’s practices violate the Military Lending Act (“MLA”) and Truth in Lending Act (“TILA”). The Russell Plaintiffs are seeking injunctive relief, civil penalties, monetary relief and other relief. On May 5, 2025, the Company removed the case to the United States District Court for the Central District of California. On June 11, 2025, the Company filed a motion to dismiss or to compel arbitration. On July 2, 2025, rather than oppose the motion, the Russell Plaintiffs filed an amended complaint (the “Russell Amended Complaint”) which added a claim under the Georgia Payday Loan Act. On July 29, 2025, the Company renewed its motion to dismiss or to compel arbitration. The hearing on the Company's motion to dismiss or to compel arbitration was held on December 8, 2025. On December 12, 2025, the Court denied the Company's motion to dismiss as well as its motion to compel arbitration. On December 26, 2025, the Company filed a notice of appeal with the Ninth Circuit Court of Appeals, and the District Court has stayed the proceedings pending the outcome of the appeal.

3. Mayor and City Council of Baltimore v. Dave, Inc. (filed December 30, 2025 in the Circuit Court for Baltimore City, Maryland)

On December 30, 2025, the Mayor and City Council of Baltimore (“City of Baltimore”) filed a complaint against the Company in the Circuit Court for Baltimore City, Maryland, alleging violations of the Baltimore City Consumer Protection Ordinance through unfair and deceptive trade practices related to the Company’s ExtraCash product. The City of Baltimore is seeking injunctive relief, civil penalties, monetary relief and other relief. On January 29, 2026, the Company removed the action to the United States District Court for the District of Maryland.

Litigation Accrual

The Company records an accrual for a loss contingency when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. As of December 31, 2025, the Company has recorded an aggregate accrual for legal contingencies that are probable and reasonably estimable of $7.8 million. Significant changes in the accrual may be required in future periods as these or other cases progress and additional information becomes available. At this time, the Company is unable to reasonably predict the possible outcome of the matters described above due to, among other things, the fact that they raise difficult factual and legal issues and are subject to many uncertainties and complexities. There can be no assurance that the Company will be successful in these or other matters, and the Company may incur a

loss in excess of the amount accrued. The defense or resolution of these or other matters could involve significant monetary costs and have a material impact on the Company’s business, financial results and operations.

Leases (Tables)

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Schedule of Leasing Activities

The Company’s leasing activities are as follows (in thousands):


	For the Year Ended,
	2025		2024
Operating lease cost	$	348	$	347
Short-term lease cost		-		-
Total lease cost	$	348	$	347


	For the Year Ended,
	2025			2024
Other information:
Cash paid for operating leases	$	386		$	369
Weighted-average remaining lease term - operating lease		2.84			2.32
Weighted-average discount rate - operating lease		10	%		10	%

Schedule of Future Minimum Rental Payments for Operating Leases

The future minimum lease payments as of December 31, 2025, were as follows (in thousands):


Year	Related-Party Commitment
2026		79
2027		83
2028		72
Total minimum lease payments	$	234
Less: imputed interest	$	(30	)
Total lease liabilities	$	204

Related-Party Transactions (Tables)

12 Months Ended

Dec. 31, 2025

Summary of future minimum rental payments

The following is a schedule of future minimum rental payments as of December 31, 2025, under Company’s sublease for the properties located in Los Angeles, California signed with PCJW (in thousands):


Year	Related-Party Commitment
2026		79
2027		83
2028		72
Total minimum lease payments	$	234
Less: imputed interest		(30	)
Total lease liabilities	$	204

Income Taxes - Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Tax Rate (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Expense (Benefit), Effective Income Tax Rate Reconciliation, Amount [Abstract]
Federal statutory tax rate, Amount	$ 35,286	$ 12,674	$ (10,163)
State and local taxes, net of federal tax effect, Amount	(13,429)	155	2,976
Tax credits
Research and development tax credits, Amount	(5,973)	(5,320)	(3,486)
Changes in valuation allowances, Amount	(38,887)	(5,592)	5,867
Nontaxable or nondeductible items:
Stock-based compensation, Amount	(24,193)	(3,926)	4,614
Nondeductible compensation, Amount	15,272	3,218	1,159
Warrant liability, Amount	2,071	363	(55)
Other nontaxable or nondeductible items, Amount	717	158	31
Change in unrecognized tax benefits, Amount	1,298	737	481
Other adjustments
Start-up costs, Amount	0	0	(1,304)
Other, Amount	0	14	0
Provision for (benefit from) income taxes	$ (27,838)	$ 2,481	$ 120
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Federal statutory tax rate, Rate	21.00%	21.00%	21.00%
State and local taxes, net of federal tax effect, Rate	(8.00%)	0.30%	(6.10%)
Effective Income Tax Rate Reconciliation, State and Local Jurisdiction, Contribution Greater than 50 Percent, Tax Effect [Extensible Enumeration]	CALIFORNIA, stpr:GA, ILLINOIS, stpr:MA, stpr:NJ, stpr:NY	CALIFORNIA, stpr:GA, ILLINOIS, stpr:MA, stpr:NJ, stpr:NY	CALIFORNIA, stpr:GA, ILLINOIS, stpr:MA, stpr:NJ, stpr:NY
Tax credits
Research and development tax credits, Rate	(3.60%)	(8.80%)	7.20%
Change in valuation allowance, Rate	(23.10%)	(9.30%)	(12.10%)
Nontaxable or nondeductible items:
Stock-based compensation, Rate	(14.40%)	(6.50%)	(9.50%)
Nondeductible compensation, Rate	9.10%	5.30%	(2.40%)
Warrant liability, Rate	1.20%	0.60%	0.10%
Other nontaxable or nondeductible items, Rate	0.40%	0.30%	(0.10%)
Change in unrecognized tax benefits, Rate	0.80%	1.20%	(1.00%)
Other adjustments
Start-up costs, Rate	0.00%	0.00%	2.70%
Other, Rate	0.00%	0.00%	0.00%
Effective tax rate	(16.60%)	4.10%	(0.20%)

Convertible Note Payable

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Convertible Note

Note 9 Convertible Note

On March 21, 2022, the Company entered into a Convertible Note Purchase Agreement (“Note Purchase Agreement”) with FTX Ventures Ltd., (the “Purchaser”) owner of FTX US (“FTX”), providing for the purchase and sale of a

convertible note in the initial principal amount of $100.0 million (the “Note”). The Note bore interest at a rate of 3.00% per year (compounded semiannually), payable semi-annually in arrears on June 30th and December 31st of each year. Interest may be paid in-kind or in cash, at the Company’s option. Forty-eight months (the “Maturity Date”) after the date of the initial issuance of the Note (the “Issuance Date”), the Company would pay the Purchaser the sum of (i) the outstanding principal amount of the Note, plus (ii) all accrued but unpaid interest thereon, plus (iii) all expenses incurred by the Purchaser (the “Redemption Price”). Payment of the Redemption Price on the Maturity Date will constitute a redemption of the Note in whole.

On January 29, 2024, the Company repurchased the $105.7 million outstanding balance of the Note as of January 29, 2024 for $71.0 million. The Company reduced the net carrying amount of debt by unamortized debt issuance costs of $0.03 million at the extinguishment date. The Company also incurred third-party costs totaling $1.3 million in conjunction with the settlement of the Note. The third-party costs are included in the reacquisition price and the gain on extinguishment of $33.4 million was calculated as the difference between the net carrying amount of debt and the reacquisition price. As of December 31, 2025 and December 31, 2024, no amounts remained outstanding under the Note.

For the years ended December 31, 2025, 2024, and 2023, interest expense related to the Note was $0, $0.3 million, and $3.1 million, respectively.

Segment Information

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Segment Information

Note 20 Segment Information

In accordance with ASC 280, Segment Reporting, the operations of the Company constitute a single operating and reportable segment. This conclusion reflects the manner in which the Chief Operating Decision Maker ("CODM"), a joint responsibility, shared by the Chief Executive Officer and Chief Financial Officer, reviews financial information and makes operating decisions. The determination of the reportable segment is based on the nature of the Company’s products and services, as well as the financial performance, on a consolidated entity-wide basis, that are regularly reviewed by the CODM to guide resource allocation and assess performance.

The Company’s operations, all of which are located in the United States, collectively support this single-segment structure. No Member individually contributed to 10% or more of the Company’s revenues for the years ended December 31, 2025, 2024 and 2023.

For further information regarding the Company’s products, services, and the accounting policies applied to its reportable segment, refer to Note 2 Significant Accounting Policies.

The key performance measure used by the CODM to make key operating decisions is consolidated net income, as reported in the Consolidated Statement of Operations. This measure is used to assess overall financial performance, identify areas for operation improvement and resource allocation and allocate budget between the provision for credit losses, processing and servicing costs, advertising and marketing, compensation and benefits and other operating expenses. This measure helps to ensure alignment with the Company’s long-term financial objectives and supports consistent evaluation across all business activities.

The segment assets and liabilities reviewed by the CODM are those reported on the Company’s consolidated balance sheets, with particular focus on available liquidity, including cash, cash equivalents, investments, restricted cash, and ExtraCash receivables, offset by current liabilities and outstanding debt.

The following table presents selected financial information with respect to the Company’s single operating and reportable segment for the years ended December 31, 2025, 2024 and 2023:


Dave Inc. Consolidated Statements of Operations (in thousands)
	For the Years Ended December 31,
	2025			2024			2023
Operating revenues:
Service based revenue, net	$	511,910		$	311,426		$	232,241
Transaction based revenue, net		42,272			35,650			26,852
Total operating revenues, net		554,182			347,076			259,093
Operating expenses:
Provision for credit losses		91,040			54,626			58,386
Processing and servicing costs		33,476			29,361			28,124
Financial network and transaction costs		28,210			24,726			22,687
Advertising and activation costs		65,989			53,446			56,662
Employee salaries and bonuses		60,769			59,044			58,721
Capitalized compensation costs		(6,457	)		(7,300	)		(8,014	)
Stock-based compensation		29,896			37,327			26,674
Temporary labor and contractors		6,295			5,066			5,117
Other compensation, benefits and payroll taxes		12,851			11,623			10,805
Technology and infrastructure		12,094			11,011			10,583
Other operating expenses		33,396			33,535			31,548
Total operating expenses		367,559			312,465			301,293
Other (income) expenses:
Interest income		(1,596	)		(2,984	)		(5,295	)
Interest expense		7,043			7,989			11,774
Gain on extinguishment of convertible debt		-			(33,442	)		-
Changes in fair value of earnout liabilities		3,285			965			(22	)
Changes in fair value of public and private warrant liabilities		9,864			1,729			(260	)
Total other (income) expense, net		18,596			(25,743	)		6,197
Net income before provision (benefit) for income taxes		168,027			60,354			(48,397	)
Provision (benefit) for income taxes		(27,838	)		2,481			120
Net income (loss)	$	195,865		$	57,873		$	(48,517	)

Other operating expenses primarily include professional services, legal fees and settlements, depreciation and amortization of property and equipment and intangible assets, charitable contributions, insurance, sales tax-related costs, meetings and events, and other general and administrative costs. These costs generally reflect our investments in infrastructure, business development, risk management, and administrative functions, and may vary period to period based on operational needs and strategic initiatives.

Significant noncash items that impact net income include provision for credit losses, stock based compensation, depreciation expense, amortization expense (see Note 7, Intangible Assets, Net), gain on extinguishment of convertible debt (see Note 9, Convertible Note), deferred income taxes (see Note 18, Income Taxes), changes in fair value of earnout liabilities, and changes in fair value of public and private warrant liabilities (see Note 14, Fair Value of Financial Instruments).

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

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+ Details

Income Taxes - Schedule of Reconciliation of Gross Unrecognized Tax Benefits (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Balance at beginning of year	$ 2,026	$ 1,325
Increases to prior positions	57	95
Decreases to prior positions	0	0
Increases for current year positions	1,189	606
Balance at end of year	$ 3,272	$ 2,026

Organization and Nature of Business

12 Months Ended

Dec. 31, 2025

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Organization and Nature of Business

Note 1 Organization and Nature of Business

Organization

Dave Inc. (the "Company") is a Delaware corporation founded in 2017. The Company is a neobank providing a mobile-first financial services platform designed to help Americans manage their money more effectively. The Company serves Members underserved by traditional financial institutions, offering short-term liquidity, fee-free banking, and financial management tools.

Nature of Business

The Company generates revenue through three primary business activities: (1) ExtraCash, a short-term credit product; (2) Dave Checking, a digital banking account; and (3) subscription-based personal financial management tools.

ExtraCash. ExtraCash provides Members with up to $500 of short-term credit (in the form of discretionary overdraft through a bank partner) to bridge liquidity gaps between paychecks, offered through FDIC-insured bank partners. The product operates without interest charges, late fees, or credit checks. The Company's proprietary AI-powered underwriting engine, CashAI, analyzes checking account transaction data in real-time to determine eligibility and credit approval amounts without requiring FICO scores or credit bureau data. Settlements are scheduled based on forecasted paycheck dates, with average loan terms of approximately 11 days.

In February 2025, the Company implemented a simplified fee structure: a mandatory 5% overdraft service fee with a $5 minimum. Instant transfers to Dave Checking accounts incur no additional fees. The Company manages underwriting, fraud mitigation, payment processing, servicing, and collections.

Dave Checking. Dave Checking is a digital demand deposit account offered through bank partners with no account minimums, no monthly fees, and FDIC pass-through insurance. Members access funds via virtual or physical Dave branded Mastercard debit cards, with no-fee withdrawals at approximately 40,000 MoneyPass ATM locations. The account offers 4.00% APY on balances and early direct deposit access. Revenue streams include merchant interchange fees, Mastercard incentives, interest on deposits from partner banks, and ancillary fees.

Personal Financial Management. The Company offers personal financial management tools accessible through monthly subscription, including budgeting tools, savings automation, job application portals, and in-app paid surveys. In mid-2025, the Company increased the monthly subscription fee from $1 to $3 for new Members.

Intangible Assets, Net - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]
Amortization of Intangible Assets	$ 6,400,000	$ 6,900,000	$ 4,900,000
Impairment charges	0	0	0
Intangible Assets, Amortization Period [Member]
Finite-Lived Intangible Assets [Line Items]
Amortization of Intangible Assets	$ 600,000	$ 800,000	$ 300,000

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

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+ Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

- Definition

Amount of impairment loss from asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References + Details

Stockholders' Equity - Additional Information (Detail)	12 Months Ended
Stockholders' Equity - Additional Information (Detail)	Dec. 31, 2025 shares	Dec. 31, 2024 shares
Class of Stock [Line Items]
Preferred stock shares outstanding	0	0
Common Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares Authorized	500,000,000	500,000,000
Common Stock, Shares, Issued	12,560,600	11,551,528
Common Stock, Shares, Outstanding	12,236,547	11,501,965
Voting right description	Class A Common Stock have one vote per share
Common stock, conversion basis	Class V Common Stock are convertible into shares of Class A Common Stock on a one-to-one basis at the option of the holders of Class V Common Stock at any time upon written notice to the Company.
Class V common stock conversion ratio	1
Common Class V [Member]
Class of Stock [Line Items]
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	1,314,082	1,514,082
Common Stock, Shares, Outstanding	1,314,082	1,514,082
Voting right description	Class V Common Stock have 10 votes per share

Stock-Based Compensation - Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options (Detail)	1 Months Ended	3 Months Ended	12 Months Ended
	Oct. 31, 2023	Jun. 30, 2024	Dec. 31, 2025
Chief Executive Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining term			10 years
Risk-free interest rate			1.50%
Expected dividend yield			0.00%
Expected volatility			40.00%
Restricted Stock Units (RSUs) [Member] \| January 2023 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining term			5 years
Risk-free interest rate			3.50%
Expected volatility			79.70%
Restricted Stock Units (RSUs) [Member] \| October 2023 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining term	4 years 2 months 12 days
Risk-free interest rate	4.90%
Expected volatility	87.60%
Restricted Stock Units (RSUs) [Member] \| June 2024 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining term		3 years 8 months 12 days
Risk-free interest rate		4.70%
Expected volatility		71.70%

Marketable Securities - Summary of Marketable Securities (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Marketable securities	$ 0	$ 97

Accrued Expenses and Other Current Liabilities - Summary of Other Current Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Accrued Liabilities and Other Liabilities [Abstract]
Forward commitment liability	$ 3,617	$ 0
Deferred transaction costs	3,150	3,150
Unearned revenue	606	411
Other	667	571
Total	$ 8,040	$ 4,132

Investments - Summary of Investments (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-Sale [Line Items]
Cost	$ 40,364	$ 40,252
Gross Unrealized Gains	424	259
Gross Unrealized Losses	0	(38)
Fair Value	40,788	40,473
Corporate Debt Securities [Member]
Debt Securities, Available-for-Sale [Line Items]
Cost		4,249
Gross Unrealized Gains		1
Gross Unrealized Losses		(38)
Fair Value		4,212
Government securities [Member]
Debt Securities, Available-for-Sale [Line Items]
Cost	40,364	36,003
Gross Unrealized Gains	424	258
Gross Unrealized Losses	0	0
Fair Value	$ 40,788	$ 36,261

- Definition

Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

+ Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Investments - Schedule of Gross Unrealized Losses and Fair Values of Available-for-sale Investment Securities that were in Unrealized Loss Positions (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-Sale [Line Items]
Less Than 12 Months, Fair Value	$ 40,788	$ 2,257
Less Than 12 Months, Unrealized Loss	0	(19)
12 Months or More, Fair Value	0	1,043
12 Months or More, Unrealized Loss	0	(19)
Total, Fair Value	40,788	3,300
Total, Unrealized Loss	0	(38)
Corporate Debt Securities [Member]
Debt Securities, Available-for-Sale [Line Items]
Less Than 12 Months, Fair Value		2,257
Less Than 12 Months, Unrealized Loss		(19)
12 Months or More, Fair Value		1,043
12 Months or More, Unrealized Loss		(19)
Total, Fair Value		3,300
Total, Unrealized Loss		$ (38)
Government securities [Member]
Debt Securities, Available-for-Sale [Line Items]
Less Than 12 Months, Fair Value	40,788
Less Than 12 Months, Unrealized Loss	0
12 Months or More, Fair Value	0
12 Months or More, Unrealized Loss	0
Total, Fair Value	40,788
Total, Unrealized Loss	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Current assets:
Cash and cash equivalents	$ 80,523	$ 49,718
Marketable securities	0	97
ExtraCash receivables, net of allowance for credit losses of $37,641 and $22,703 as of December 31, 2025 and December 31, 2024, respectively	297,307	175,857
Investments	40,788	40,473
Prepaid expenses and other current assets	18,078	16,127
Total current assets	436,696	282,272
Property and equipment, net	474	704
Lease right-of-use assets (related-party of $195 and $507 as of December 31, 2025 and December 31, 2024, respectively)	195	507
Intangible assets, net	13,670	13,642
Debt facility commitment fee, long-term	0	163
Restricted cash	1,841	1,659
Deferred tax assets, net	34,185	0
Other non-current assets	357	380
Total assets	487,418	299,327
Current liabilities:
Accounts payable	8,358	6,767
Accrued expenses	14,698	16,707
Debit facility, current	75,000	0
Lease liabilities, short-term (related-party of $63 and $350 as of December 31, 2025 and December 31, 2024, respectively)	63	350
Legal settlement accrual	7,838	7,105
Other current liabilities	8,040	4,132
Total current liabilities	113,997	35,061
Lease liabilities, long-term (related-party of $141 and $204 as of December 31, 2025 and December 31, 2024, respectively)	141	204
Debt facility, long-term	0	75,000
Warrant and earnout liabilities	16,077	2,928
Other non-current liabilities	4,476	3,033
Total liabilities	134,691	116,226
Commitments and contingencies (Note 12)
Stockholders' equity:
Preferred stock, par value per share $0.0001, 10,000,000 shares authorized; 0 shares issued and outstanding at December 31, 2025 and December 31, 2024	0	0
Additional paid-in capital	352,664	335,326
Treasury shares, at cost (Class A common stock, 274,490 shares at December 31, 2025)	(43,730)	0
Accumulated other comprehensive gain	374	221
Retained earnings (accumulated deficit)	43,418	(152,447)
Total stockholders' equity	352,727	183,101
Total liabilities, and stockholders' equity	487,418	299,327
Class A common stock [Member]
Stockholders' equity:
Common stock	1	1
Class V common stock [Member]
Stockholders' equity:
Common stock	$ 0	$ 0

ExtraCash Receivables, Net - Summary of ExtraCash Receivables, Net (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	$ 334,948	$ 198,560
Allowance for Credit Losses	(37,641)	(22,703)	$ (20,310)
ExtraCash Receivables, Net	297,307	175,857
1-10 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	242,091	142,623
Allowance for Credit Losses	(3,006)	(2,112)
ExtraCash Receivables, Net	239,085	140,511
11-30 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	56,897	36,198
Allowance for Credit Losses	(8,851)	(6,223)
ExtraCash Receivables, Net	48,046	29,975
31-60 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	13,093	7,882
Allowance for Credit Losses	(7,942)	(4,937)
ExtraCash Receivables, Net	5,151	2,945
61-90 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	11,893	6,140
Allowance for Credit Losses	(8,888)	(4,712)
ExtraCash Receivables, Net	3,005	1,428
91-120 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	10,974	5,717
Allowance for Credit Losses	(8,954)	(4,719)
ExtraCash Receivables, Net	$ 2,020	$ 998

- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

+ References + Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

- Definition

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

+ References

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+ Details

Warrant Liabilities - Additional Information (Detail)			12 Months Ended
Warrant Liabilities - Additional Information (Detail)	Jan. 05, 2023 $ / shares shares	Jan. 04, 2023 shares	Dec. 31, 2025 $ / shares shares
Subsidiary or Equity Method Investee [Line Items]
Reverse stock split, description	1-for-32 reverse stock split effected on January 5, 2023	1-for-32 reverse stock split effected on January 5, 2023
Reverse stock split, conversion ratio	0.03125	0.03125
Number of warrants exercisable per common stock \| shares	32	32
Exercise price	$ 368
Private Placement Warrants [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of Warrants outstanding \| shares			5,100,214
Public Warrants [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of Warrants outstanding \| shares			6,344,021
Private Warrants [Member]
Subsidiary or Equity Method Investee [Line Items]
Warrants expiry date			Jan. 05, 2027
Exercise price			$ 368
After The Completion Of A Business Combination Or Earlier Upon Redemption Or Liquidation [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of warrants or rights term			5 years
Triggering Share Price One [Member] \| Minimum [Member]
Subsidiary or Equity Method Investee [Line Items]
Share Price			$ 576
Number of days of notice to be given for the redemption of warrants			30 days
Number of consecutive trading days for determining the share price			20 days
Number of trading days for determining the share price			30 days
Number of days prior to the date of notifying the warrant holders for determining the total trading period			3 days
Triggering Share Price One [Member] \| Minimum [Member] \| Warrant Redemption Price One [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of warrants or rights redemption price			$ 0.01
Triggering Share Price Two [Member] \| Minimum [Member]
Subsidiary or Equity Method Investee [Line Items]
Share Price			$ 320
Number of days of notice to be given for the redemption of warrants			30 days
Number of consecutive trading days for determining the share price			20 days
Triggering Share Price Two [Member] \| Minimum [Member] \| Warrant Redemption Price Two [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of warrants or rights redemption price			$ 0.1

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating revenues:
Revenues	$ 554,182	$ 347,076	$ 259,093
Operating expenses:
Provision for credit losses	91,040	54,626	58,386
Processing and servicing costs	33,476	29,361	28,124
Financial network and transaction costs	28,210	24,726	22,687
Advertising and activation costs	65,989	53,446	56,662
Compensation and benefits	103,354	105,760	93,303
Technology and infrastructure	12,094	11,011	10,583
Other operating expenses	33,396	33,535	31,548
Total operating expenses	367,559	312,465	301,293
Other (income) expenses:
Interest income	(1,596)	(2,984)	(5,295)
Interest expense	7,043	7,989	11,774
Gain on extinguishment of convertible debt	0	(33,442)	0
Changes in fair value of earnout liabilities	3,285	965	(22)
Changes in fair value of public and private warrant liabilities	9,864	1,729	(260)
Total other (income) expense, net	18,596	(25,743)	6,197
Net income (loss) before provision (benefit) for income taxes	168,027	60,354	(48,397)
Provision (benefit) for income taxes	(27,838)	2,481	120
Net income (loss)	$ 195,865	$ 57,873	$ (48,517)
Net income (loss) per share:
Basic	$ 14.65	$ 4.62	$ (4.07)
Diluted	$ 13.53	$ 4.19	$ (4.07)
Weighted-average shares used to compute net income (loss) per share
Basic	13,366,072	12,520,789	11,934,699
Diluted	14,480,703	13,822,582	11,934,699
Service based revenue, net [Member]
Operating revenues:
Revenues	$ 511,910	$ 311,426	$ 232,241
Transaction based revenue, net [Member]
Operating revenues:
Revenues	$ 42,272	$ 35,650	$ 26,852

Investments

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Investments

Note 4 Investments

Below is a summary of investments, which are measured at fair value as of December 31, 2025 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Government securities		40,364		424		-		40,788
Total	$	40,364	$	424	$	-	$	40,788

Below is a summary of investments, which are measured at fair value as of December 31, 2024 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
Corporate bonds	$	4,249	$	1	$	(38	)	$	4,212
Government securities		36,003		258		-			36,261
Total	$	40,252	$	259	$	(38	)	$	40,473

The gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows (in thousands):


	Less Than 12 Months					12 Months or More					Total
	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
As of December 31, 2025
Government Securities	$	40,788	$	-		$	-	$	-		$	40,788	$	-
Total	$	40,788	$	-		$	-	$	-		$	40,788	$	-

	Less Than 12 Months					12 Months or More					Total
	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
December 31, 2024
Corporate bonds	$	2,257	$	(19	)	$	1,043	$	(19	)	$	3,300	$	(38	)
Total	$	2,257	$	(19	)	$	1,043	$	(19	)	$	3,300	$	(38	)

Net realized gains on the sale of investments, recorded as a component of interest income in the consolidated statements of operations, were $0, $0.8 million and $0.9 million for the years ended December 31, 2025, 2024 and 2023, respectively. Accrued interest of $0 and $0.09 million is included in investments within the consolidated balance sheets for the years ended December 31, 2025 and 2024, respectively.

Unrealized losses on the available-for-sale investment securities as of December 31, 2024 were primarily the result of increases in interest rates as a significant portion of the investments were purchased prior to the Federal reserve commenced interest rate increases in 2022. The Company does not intend to sell nor anticipate that it will be required to sell these investments before recovery of the amortized cost basis. As such, unrealized losses were determined not to be related to credit losses and the Company did not record any credit-related impairment losses on the available-for-sale investment securities during the year ended December 31, 2025 and 2024.

As of December 31, 2025, the contractual maturities of available-for-sale investment securities were as follows (in thousands):


	Amortized Cost		Fair Value
Due in one year or less	$	40,364	$	40,788
Due after one year through five years	$	-	$	-
Total	$	40,364	$	40,788

Leases - Schedule Of Future Minimum Rental Payments For Operating Leases (Detail) - Related-Party Commitment [Member] $ in Thousands	Dec. 31, 2025 USD ($)
Schedule Of Future Minimum Rental Payments For Operating Leases [Line Items]
2026	$ 79
2027	83
2028	72
Total minimum lease payments	234
Less: imputed interest	(30)
Total lease liabilities	$ 204

Fair Value of Financial Instruments - Summary of Unobservable Inputs in Measurement of Private Warrants (Detail)	Dec. 31, 2025
Exercise price
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	368
Expected volatility
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	73.34
Risk-free interest rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	3.48
Remaining term
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Remaining term	1 year 3 days
Dividend yield
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	0

Significant Accounting Policies

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Significant Accounting Policies

Note 2 Significant Accounting Policies

Basis of Presentation

These consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”).

During the second quarter of 2025, the Company revised the presentation of certain items within its consolidated statement of operations. Certain prior period amounts have been reclassified to conform to the current period presentation. These changes have been applied retrospectively to all periods presented and did not impact previously reported net income or earnings per share.

Specifically:

•

Financial network and transaction costs now appear as a separate line item within operating expenses (formerly included in other operating expenses).

•

Advertising and marketing is now presented as advertising and activation under operating expenses and includes Member activation costs (activation costs were formerly included in processing and servicing costs and other operating expenses).

•

Technology and infrastructure costs now appear as a separate line item within operating expenses (formerly included in other operating expenses).

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and a variable interest entity (“VIE”). All intercompany transactions and balances have been eliminated upon consolidation.

In accordance with the provisions of Accounting Standards Codification (“ASC”) 810, Consolidation, the Company consolidates any VIE of which the Company is the primary beneficiary. The typical condition for a controlling financial interest ownership is holding a majority of the voting interests of an entity; however, a controlling financial interest may also exist in entities, such as VIEs, through arrangements that do not involve controlling voting interests. ASC 810 requires a variable interest holder to consolidate a VIE if that party has the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE. The Company does not consolidate a VIE in which it has a majority ownership interest when it is not considered the primary beneficiary. The Company evaluates its relationships with its VIEs on an ongoing basis to help ensure that the Company continues to be the primary beneficiary. The Company is considered the primary beneficiary of Dave OD Funding I, LLC (“Dave OD”), as it has the power over the activities that most significantly impact the economic performance of Dave OD and has the obligation to absorb expected losses and the right to receive expected benefits that could be significant, in accordance with accounting guidance. As a result, the Company consolidated Dave OD and all intercompany accounts have been eliminated. The carrying value of Dave OD’s assets and liabilities, after elimination of any intercompany transactions and balances are shown in the consolidated balance sheets. The assets of Dave OD are restricted and may only be used to settle obligations of Dave OD.

Use of Estimates

The preparation of these consolidated financial statements requires the Company to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements, as well as the reported revenues and expenses incurred during the reporting periods. The Company’s estimates are based on its historical experience and various other factors that the Company believes are reasonable under the circumstances, the results of which form the basis for making judgments about the carrying value of assets and liabilities that are not readily apparent from other sources. The Company’s critical accounting estimates and assumptions are evaluated on an ongoing basis including those related to the:

(i) Allowance for credit losses; and

(ii) Income taxes.

Actual results may differ from these estimates under different assumptions or conditions.

Revenue Recognition

Below is detail of operating revenues (in thousands):


	For the Years Ended December 31,
	2025		2024		2023
Service based revenue, net
Processing and overdraft service fees, net	$	466,841	$	218,802	$	152,490
Tips		7,496		67,563		56,945
Subscriptions		37,224		24,599		21,483
Other		349		462		1,323
Transaction based revenue, net
Interchange revenue, net		24,364		19,990		17,004
ATM revenue, net		2,253		3,087		2,605
Other		15,655		12,573		7,243
Total operating revenues, net	$	554,182	$	347,076	$	259,093

Service Based Revenue, Net:

Service based revenue, net primarily consists of optional tips, optional processing fees, and subscriptions charged to Members, net of processor costs associated with ExtraCash originations. The Company operates concurrent receivable programs where receivables originated and held under legacy arrangements are accounted for as financial receivables in accordance with ASC 310, Receivables. Receivables originated and subsequently purchased under partner arrangements meet the criteria of sales accounting in accordance with ASC 860, Transfers and Servicing, and are accounted for as purchases of financial assets. These receivables are purchased at par value, which approximates the fair value, within one business day since the initial origination of the loans to Members. Processing and overdraft service fees, net and tips are recognized under the effective interest method for both arrangements.

Processing and Overdraft Service Fees, Net:

Processing and overdraft service fees apply in connection with a Member’s use of ExtraCash. The Company's new fee model, rolled out to all Members in February 2025, is a mandatory overdraft service fee. For accounting purposes, these fees are considered non-refundable origination fees and are recognized as revenue over the average expected contractual term of the related ExtraCash transactions.

Costs incurred by the Company to originate ExtraCash are treated as direct loan origination costs. These direct loan origination costs are netted against ExtraCash-related income over the average expected contractual term of an ExtraCash. Direct origination costs recognized as a reduction of ExtraCash-related income during the years ended December 31, 2025, 2024, and 2023, were $6.0 million, $3.5 million, and $3.3 million, respectively.

Tips

Prior to the second quarter of 2025, the Company encouraged, but did not contractually require, its Members who receive ExtraCash to leave a discretionary tip. For accounting purposes, tips are treated as an adjustment of yield to ExtraCash and are recognized over the average expected contractual term of its ExtraCash receivables. The Company discontinued optional tips from its business model in February 2025.

Subscriptions

The Company accounts for subscriptions in accordance with ASC 606, Revenue from Contracts with Customers (“ASC 606”). Under ASC 606, the Company must identify the contract with a Member, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract and recognize revenue when (or as) the Company satisfies the performance obligations. For revenue sources that are within the scope of Topic 606, the Company fully satisfies its performance obligations and recognizes revenue in the period it is earned as services are rendered. Transaction prices are typically fixed, charged on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying ASC 606 that significantly affects the determination of the amount and timing of revenue from contracts with the Company’s Members.

Subscription fees are received on a monthly basis from Members who subscribe to the Company’s application. The Company continually fulfills its obligation to each Member over the subscription term. The series of distinct services represents a single performance obligation that is satisfied over time. The Company recognizes revenue ratably as the Member receives and consumes the benefits of the platform throughout the monthly contract period.

Price concessions granted to Members who have insufficient funds when subscription fees are due and not collected are forms of variable consideration under the Company’s contracts with Members. For price concessions, the Company has elected, as an accounting policy, to account for price concessions for the month at the end of the reporting month based on the actual amounts collected from Members.

Other service based revenue consists of lead generation fees from the Company’s Side Hustle advertising partners and revenue share from the Company's Surveys partners.

Transaction Based Revenue, Net:

Transaction based revenue, net primarily consists of interchange and ATM revenues from the Company’s Checking Products, net of certain interchange and ATM-related fees, fees earned from funding and withdrawal-related transactions of Member's funds, volume support from a certain co-branded agreement, dormant account fees, fees earned related to the Rewards Product for Members who make debit card spending transactions at participating merchants and deposit referrals and are recognized at the point in time the transactions occur, as the performance obligations are satisfied and the variable consideration is not constrained. The Company earns interchange fees from Members' spend on Dave-branded debit cards, which are reduced by interchange-related costs payable to fulfillment partners. Interchange revenue is remitted by merchants and represents a percentage of the underlying transaction value processed through a payment network. ATM fees earned from the Member’s usage of out-of-network, reduced by related ATM transaction costs during the years ended December 31, 2025, 2024, and 2023, were $2.3 million, $3.1 million, and $2.6 million, respectively. ATM-related fees recognized as a reduction of transaction based revenue during the years ended December 31, 2025, 2024, and 2023, were $2.3 million, $2.1 million, and $1.8 million, respectively.

Processing and Servicing Costs

Processing and servicing costs consist of amounts paid to third-party processors for the recovery of ExtraCash, tips, processing fees, overdraft service fees and subscriptions. These expenses also include fees paid for services to connect Member’s bank accounts to the Company’s application. Except for processing and service fees associated with ExtraCash originations, which are recorded net against processing and service fee revenue, all other processing and service fees are expensed as incurred.

Financial Network and Transaction Costs

Financial network and transaction costs consist of program management fees, card network association fees, payment processing costs, losses related to Member-disputed transactions, bank card fees and fraud-related losses. All other financial network and transaction costs are expensed as incurred.

Cash and Cash Equivalents

The Company classifies all highly liquid instruments with an original maturity of three months or less as cash equivalents.

Restricted Cash

Restricted cash primarily represents cash held at financial institutions that is pledged as collateral for specific accounts that may become overdrawn.

Marketable Securities

Marketable securities consist of a publicly traded money market mutual fund. The underlying money market instruments are primarily comprised of certificates of deposit and financial company asset backed commercial paper.

Investments

Investments consist of corporate bonds and notes, asset backed securities, and government securities and are classified as “available-for-sale” as the sale of such securities may be required prior to maturity to implement the Company’s strategies. The fair value of investments is determined by quoted prices in active markets with unrealized gains and losses, net of tax (other than credit related impairment) reported as a separate component of other comprehensive income (loss). For securities with unrealized losses, any credit related portion of the loss is recognized in earnings. If it is more likely than not that the Company will be unable or does not intend to hold the security to recovery of the non-credit related unrealized loss, the loss is recognized in earnings. Realized gains and losses are determined using the specific identification method and recognized in the consolidated statements of comprehensive income (loss). Any related amounts recorded in accumulated other comprehensive income (loss) are reclassified to earnings (on a pre-tax basis).

ExtraCash Receivables

ExtraCash Receivables include ExtraCash, processing and overdraft service fees and tips, net of certain direct origination costs and allowance for credit losses. The Company operates concurrent receivable programs where receivables originated and held under legacy arrangements are accounted for as financial receivables under ASC 310. Receivables originated and subsequently purchased under partner arrangements are accounted for as purchases of financial assets under ASC 860,

Transfers and Servicing. Management's intent for receivables under ASC 310 is to hold until the earlier of settlement or payoff date, while receivables under ASC 860 represent purchased financial assets subject to the partner arrangement terms.

ExtraCash Receivables to Members are not interest-bearing. For receivables accounted for under ASC 310, the Company recognizes these ExtraCash Receivables at the origination amount and does not use discounting techniques to determine present value of originations due to their short-term nature. For receivables accounted for under ASC 860, the Company recognizes purchased financial assets at fair value (which approximates the origination amount) upon acquisition.

The Company does not provide modifications to ExtraCash and does not charge late fees.

Allowance for Credit Losses

ExtraCash receivables from contracts with Members as of the balance sheet dates are recorded at their original origination or purchased amounts, inclusive of outstanding processing fees, overdraft service fees and tips, and reduced by an allowance for expected credit losses. The Company pools its ExtraCash receivables, all of which are short-term (average term of approximately 11 days) in nature and arise from contracts with Members, based on shared risk characteristics to assess their risk of loss, even when that risk is remote. The Company uses an aging method and historical loss rates as a basis for estimating the percentage of current and delinquent ExtraCash receivables balances that will result in credit losses to derive the allowance for credit losses. The Company considers whether the conditions at the measurement date and reasonable and supportable forecasts about future conditions warrant an adjustment to its historical loss experience. In assessing such adjustments, the Company primarily evaluates current economic conditions, expectations of near-term economic trends and changes in customer payment terms, collection trends and cash collections subsequent to the balance sheet date. For the measurement dates presented herein, given its methods of collecting funds, and that the Company has not observed meaningful changes in its customers’ payment behavior, it determined that its historical loss rates remain most indicative of its lifetime expected losses. The Company immediately recognizes an allowance for expected credit losses at the time of the ExtraCash origination. Adjustments to the allowance each period for changes in the estimate of lifetime expected credit losses are recognized in operating expenses—provision for credit losses in the consolidated statements of operations.

When the Company determines that an ExtraCash receivable is not collectible, or after 120 days from origination has passed, the uncollectible amount is written-off as a reduction to both the allowance and the gross asset balance. Subsequent recoveries are recorded when received and are recorded as a recovery of the allowance for expected credit losses. Based on the average ExtraCash receivables term of approximately 11 days, ExtraCash receivables outstanding 12 or more days from origination may be considered past due. Any change in circumstances related to a specific Member ExtraCash receivables may result in an additional allowance for expected credit losses being recognized in the period in which the change occurs.

Internally Developed Software

Internally developed software is capitalized when preliminary development efforts are successfully completed, management has authorized and committed project funding, it is probable that the project will be completed, and the software will be used as intended. Capitalized costs consist of salaries and other compensation costs for employees incurred for time spent on upgrades and enhancements to add functionality to the software and fees paid to third-party consultants who are directly involved in development efforts. These capitalized costs are included on the consolidated balance sheets as intangible assets, net. Other costs are expensed as incurred and included within other operating expenses in the consolidated statements of operations. Capitalized costs for the years ended December 31, 2025, 2024, and 2023, were $6.5 million, $7.3 million, and $7.6 million, respectively. Additionally, $1.6 million, $1.4 million, and $7.7 million related to internally developed software no longer in service was fully amortized and written off as of December 31, 2025, 2024, and 2023, respectively.

Amortization of internally developed software commences when the software is ready for its intended use (i.e., after all substantial testing is complete). Internally developed software is amortized over its estimated useful life of 3 years.

The Company’s accounting policy is to perform annual reviews of capitalized internally developed software projects to determine whether any impairment indicators are present as of December 31, or whenever a change in circumstances suggests an impairment indicator is present. If any impairment indicators are present, the Company will perform a recoverability test by comparing the sum of the estimated undiscounted cash flows attributed to the asset group to their carrying value. If the undiscounted cash flows expected to result from the remaining use of the asset (i.e., cash flows when testing recoverability) are less than the asset group’s carrying value, the Company will determine the fair value of the asset group and recognize an impairment loss as the amount by which the carrying value of the asset group exceeds its fair value. If

based on the results of the recoverability test, no impairment is indicated as the remaining undiscounted cash flows exceed the carrying value of the software asset group, the carrying value of the asset group as of the assessment date is deemed fully recoverable. In addition, the Company evaluates the remaining useful life of an intangible asset that is being amortized each reporting period to determine whether events and circumstances warrant a revision to the remaining period of amortization. If the estimate of an intangible asset’s remaining useful life is changed, the remaining carrying value of the intangible asset shall be amortized prospectively over that revised remaining useful life.

Property and Equipment

Property and equipment are stated at cost less accumulated depreciation. Property and equipment are recorded at cost and depreciated over the estimated useful lives ranging from 3 to 7 years using the straight-line method. Maintenance and repair costs are charged to operations as incurred and included within other operating expenses in the consolidated statements of operations.

Impairment of Long-Lived Assets

The Company assesses the impairment of long-lived assets, primarily property and equipment and amortizable intangible assets, whenever events or changes in business circumstances indicate that carrying amounts of the assets may not be fully recoverable. If the sum of the expected undiscounted future cash flows from an asset is less than the carrying amount of the asset, the Company estimates the fair value of the assets. The Company measures the loss as the amount by which the carrying amount exceeds its fair value calculated using the present value of estimated net future cash flows.

Fair Value of Financial Instruments

ASC 820, Fair Value Measurement (“ASC 820”), provides a single definition of fair value and a common framework for measuring fair value as well as disclosure requirements for fair value measurements used in the consolidated financial statements. Under ASC 820, fair value is determined based upon the exit price that would be received by a company to sell an asset or paid by a company to transfer a liability in an orderly transaction between market participants, exclusive of any transaction costs. Fair value measurements are determined by either the principal market or the most advantageous market. The principal market is the market with the greatest level of activity and volume for the asset or liability. Absent a principal market to measure fair value, the Company uses the most advantageous market, which is the market from which the Company would receive the highest selling price for the asset or pay the lowest price to settle the liability, after considering transaction costs. However, when using the most advantageous market, transaction costs are only considered to determine which market is the most advantageous and these costs are then excluded when applying a fair value measurement. ASC 820 creates a three-level hierarchy to prioritize the inputs used in the valuation techniques to derive fair values. The basis for fair value measurements for each level within the hierarchy is described below, with Level 1 having the highest priority and Level 3 having the lowest.

Level 1—Quoted prices in active markets for identical assets or liabilities.

Level 2—Observable inputs other than Level 1 quoted prices, such as quoted prices for similar assets and liabilities in active markets, quoted prices in markets that are not active for identical or similar assets and liabilities, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.

Level 3—Valuations are based on inputs that are unobservable and significant to the overall fair value measurement of the assets or liabilities. Inputs reflect management’s best estimate of what market participants would use in pricing the asset or liability at the measurement date. Consideration is given to the risk inherent in the valuation technique and the risk inherent in the inputs to the model.

Concentration of Risk

Financial instruments, which potentially subject the Company to concentrations of credit risk, principally consist of cash and cash equivalents, restricted cash, ExtraCash receivables, and accounts receivable. The Company’s cash and cash equivalents and restricted cash in excess of the FDIC insured limits were approximately $81.4 million and $61.1 million at December 31, 2025 and 2024, respectively. The Company’s payment processors also collect cash on the Company’s behalf and will hold these cash balances temporarily until they are settled the next business day. Also, the Company does not believe its

marketable securities are exposed to any significant credit risk due to the quality and nature of the securities in which the money is held.

We rely on agreements with our two bank partners, Evolve Bank & Trust and Coastal Community Bank, to provide ExtraCash and other deposit accounts, debit card services and other transaction services to us and our Members.

No Member individually exceeded 10% or more of the Company’s ExtraCash receivables balance as of December 31, 2025 and December 31, 2024.

Leases

ASC 842, Leases (“ASC 842”) requires lessees to recognize most leases on the consolidated balance sheet with a corresponding right-of-use asset. Right-of-use assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of fixed lease payments over the lease term. Leases are classified as financing or operating which will drive the expense recognition pattern. Lease payments on short-term leases are recognized as expense on a straight-line basis over the lease term. At the time of a lease abandonment, the operating lease right-of-use asset is derecognized, while the corresponding lease liability is evaluated by the Company based any remaining contractual obligations as of the lease abandonment date.

The Company leases office space under two separate leases, both of which are considered operating leases. Options to extend or terminate a lease are considered as part of calculating the lease term to the extent that the option is reasonably certain of exercise. The leases do not include the options to purchase the leased property. The depreciable life of assets and leasehold improvements are limited by the expected lease term. Covenants imposed by the leases include letters of credit required to be obtained by the lessee.

The incremental borrowing rate (“IBR”) represents the rate of interest the Company would expect to pay on a collateralized basis to borrow an amount equal to the lease payments under similar terms. When determinable, the Company uses the rate implicit in the lease to determine the present value of lease payments. As the Company’s leases do not provide an implicit rate, the Company uses its incremental borrowing rate based on the information available at the lease commencement date in determining the present value of lease payments.

Stock-Based Compensation

Stock Option Awards:

ASC 718, Compensation-Stock Compensation (“ASC 718”), requires the estimate of the fair value of all stock-based payments to employees, including grants of stock options, to be recognized in the statement of operations over the requisite service period. Under ASC 718, employee option grants are generally valued at the grant date and those valuations do not change once they have been established. The fair value of each option award is estimated on the grant date using the Black-Scholes Option Pricing Model. As allowed by ASC 718, the Company’s estimate of expected volatility is based on its peer company average volatilities, including industry, stage of life cycle, size, and financial leverage. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant valuation. The Company recognizes forfeitures as they occur. Subsequent modifications to outstanding awards result in incremental cost if the fair value is increased as a result of the modification.

Restricted Stock Unit Awards:

Restricted stock units (“RSUs”) are valued on the grant date. The fair value of the RSUs that vest based solely on a service condition is equal to the estimated fair value of the Company’s Class A common stock on the grant date. This compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. For RSUs that contain both a market condition and a service condition, market volatility and other factors are taken into consideration in determining the grant date fair value and the related compensation expense is recognized on a straight-line basis over the requisite service period of each separately vesting tranche, regardless of whether the market condition is satisfied, provided that the requisite service has been provided. These costs are a component of stock-based compensation expense, presented within compensation and benefits in the consolidated statements of operations. The Company recognizes forfeitures as they occur.

Performance-Based Restricted Stock Unit Awards:

Performance-based RSUs are valued on the grant date and the compensation cost is recognized over the requisite service period if and when the Company concludes it is probable that the performance metrics will be satisfied. The grant-date fair value of the awards are not subsequently remeasured; however, the Company reassesses the probability of vesting at each reporting period and records a cumulative adjustment to compensation expense based on the likelihood the performance metric will be achieved. These costs are a component of stock-based compensation expense, presented within compensation and benefits in the consolidated statements of operations. The Company recognizes forfeitures as they occur.

Advertising and Activation Costs

Advertising costs are expensed as incurred. Advertising costs consist primarily of expenses related to digital marketing, paid social media, influencer partnerships, content marketing and referral programs. Advertising expense for the years ended December 31, 2025, 2024, and 2023, were $57.4 million, $44.9 million, and $48.4 million, respectively, and are presented within advertising and activation costs in the consolidated statements of operations. Activation costs, which consist primarily of expenses incurred to onboard and activate new users, are also expensed as incurred. Activation expense for each of the years ended December 31, 2025, 2024, and 2023, was $8.5 million and is presented within advertising and activation costs in the consolidated statements of operations.

Income Taxes

The Company follows ASC 740, Income Taxes (“ASC 740”), which requires recognition of deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the consolidated financial statements or tax returns. Under this method, deferred tax assets and liabilities are based on the differences between the consolidated financial statement and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse. Deferred tax assets are reduced by a valuation allowance to the extent management concludes it is more-likely-than-not that the asset will not be realized.

ASC 740 provides that a tax benefit from an uncertain tax position may be recognized when it is more-likely-than-not that the position will be sustained in a court of last resort, based on the technical merits. If more-likely-than-not, the amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination, including compromise settlements. For tax positions not meeting the more-likely-than-not threshold, no tax benefit is recorded. The Company has estimated $3.3 million and $2.0 million of uncertain tax positions as of December 31, 2025 and 2024, respectively, related to state income taxes, and federal and state research and development tax credits.

The Company’s policy is to recognize interest expense and penalties accrued on any unrecognized tax benefits as a component of income tax expense within the consolidated statement of operations. The Company recognized insignificant amounts of interest expense as a component of income tax expense within the consolidated statement of operations during the years ended December 31, 2025, 2024, and 2023. The income tax related accrued interest amounts were also insignificant as of December 31, 2025, 2024 and 2023, respectively.

Segment Information

The Company determines its operating segment based on how its chief operating decision makers manage operations, make operating decisions, and evaluate operating performance. The Company has determined that the Chief Operating Decision Maker (“CODM”) is a joint role shared by the Chief Executive Officer and Chief Financial Officer. Based upon the way the CODM reviews financial information and makes operating decisions and considering that the CODM reviews financial information on a consolidated basis for purposes of allocating resources and evaluating financial performance, the operations of the Company constitute a single operating segment and reportable segment. Refer to Note 20 Segment Information in the accompanying notes to the consolidated financial statements for further details.

Net Income (Loss) Per Share Attributable to Stockholders

The Company has two classes of participating securities (Class A common stock, par value $0.0001 per share ("Class A Common Stock") and Class V common stock, par value $0.0001 per share ("Class V Common Stock")) issued and outstanding as of December 31, 2025 and December 31, 2024 (the Class V Common Stock and together with the Class A

Common Stock, the “Common Stock”). The rights, including the liquidation and dividend rights, of the holders of the Class A common stock and Class V common stock are identical, except with respect to voting.

Basic net income (loss) attributable to holders of Common Stock per share is calculated by dividing net income (loss) attributable to holders of Common Stock by the weighted-average number of shares outstanding, exclusive of Treasury shares.

Diluted net income (loss) per share attributable to holders of common stock is computed by dividing net income (loss) per share attributable to stockholders and the weighted-average number of shares outstanding and the effect of potentially dilutive stock options, warrants, and restricted stock using the treasury stock method.

The following table sets forth the computation of the Company’s basic and diluted net income (loss) per share attributable to holders of common stock (in thousands, except share data):


	For the Years Ended December 31,
	2025		2024		2023
Numerator
Net income (loss) attributed to common stockholders—basic and diluted	$	195,865	$	57,873	$	(48,517	)

Denominator
Weighted-average shares of common stock—basic		13,366,072		12,520,789		11,934,699
Dilutive effect of stock options		195,188		298,088		-
Dilutive effect of RSU		919,443		1,003,705		-
Weighted-average shares of common stock—diluted		14,480,703		13,822,582		11,934,699

Net income (loss) per share
Basic	$	14.65	$	4.62	$	(4.07	)
Diluted	$	13.53	$	4.19	$	(4.07	)

The following potentially dilutive shares were excluded from the computation of diluted net income (loss) per share for the periods presented because including them would have been antidilutive:


	For the Years Ended December 31,
	2025		2024		2023
Equity incentive awards		458,850		475,520		2,493,468
Convertible debt		-		-		312,500
Total		458,850		475,520		2,805,968

The Company also excluded 11,444,235 public and private warrants and 49,563 earnout shares that were potentially dilutive from the computation of diluted net income (loss) for the years ended December 31, 2025 and 2024, respectively, as including them would have been antidilutive. In connection with the 1-for-32 reverse stock split effected on January 5, 2023, the number of outstanding warrants was not adjusted. Pursuant to the adjustment provisions of the warrant agreement, stock splits and combinations are accounted for by proportionately adjusting the number of shares of Common Stock issuable upon exercise of each warrant and the corresponding exercise price, rather than by adjusting the number of warrants outstanding. Accordingly, 32 warrants are now exercisable for one share of Class A Common Stock at an adjusted exercise price. Refer to Note 10 Warrant Liabilities and Note 14 Fair Value of Financial Instruments for further details.

Recent Accounting Pronouncements

Recently Issued Accounting Pronouncements Not Yet Adopted:

In November 2024, the FASB issued ASU No. 2024‑03, Income Statement—Reporting Comprehensive Income (Topic 220): Disaggregation of Income Statement Expenses, and in January 2025, the FASB issued ASU No. 2025‑01, Clarifying the Effective Date. Together, these amendments require entities to disclose, for each relevant income statement expense caption,

the amounts of inventory purchases, employee compensation, and depreciation and intangible asset amortization, as well as total selling expenses and the entity’s definition of selling expenses. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2026, and for interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted and application permitted on a prospective or retrospective basis. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial position, results of operations or cash flows and expects the impact to be limited to additional disclosures in the notes to its consolidated financial statements.

In May 2025, the FASB issued ASU 2025‑04, Compensation—Stock Compensation (Topic 718) and Revenue from Contracts with Customers (Topic 606): Clarifications to Share‑Based Consideration Payable to a Customer. The amendments clarify the accounting for share‑based payment awards issued to customers, including revising the definition of a performance condition, narrowing the scope of awards accounted for under Topic 718 versus Topic 606, and providing guidance on measuring and presenting the effects of such awards. The guidance is effective for public business entities for fiscal years beginning after December 15, 2026, including interim periods within those fiscal years, with early adoption permitted and transition allowed on a modified retrospective or retrospective basis. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial position, results of operations or cash flows and is evaluating the impact on its revenue‑ and share‑based compensation‑related disclosures, including any share‑based consideration arrangements with customers.

In July 2025, the FASB issued ASU 2025‑05, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets, which introduces a practical expedient for estimating expected credit losses on current accounts receivable and current contract assets arising from revenue transactions within the scope of ASC 606. Under the expedient, entities may assume that current economic conditions at the balance sheet date will remain unchanged over the remaining life of the asset when estimating expected credit losses. ASU 2025‑05 is effective for annual reporting periods beginning after December 15, 2025, including interim periods within those fiscal years, with early adoption permitted and prospective application required. As a public business entity, the Company is not eligible for the separate accounting policy election available to certain nonpublic entities to consider subsequent collection activity but may elect the practical expedient; the Company does not expect the adoption of this guidance, including any election of the expedient, to have a material impact on its consolidated financial position, results of operations or cash flows, but it may result in changes to the Company’s credit loss estimation process and related disclosures.

In September 2025, the FASB issued ASU 2025‑06, Intangibles—Goodwill and Other—Internal‑Use Software (Subtopic 350‑40): Targeted Improvements to the Accounting for Internal‑Use Software, which eliminates references to traditional software development stages, clarifies the capitalization threshold for internal‑use software costs, and supersedes Subtopic 350‑50 by incorporating website development cost guidance into Subtopic 350‑40. The amendments require capitalization of internal‑use software costs once management authorizes funding and it is probable that the project will be completed and placed into service for its intended use, provided there is no significant development uncertainty, and they align disclosure requirements for capitalized and amortized software costs with those in ASC 360‑10. ASU 2025‑06 is effective for annual and interim periods beginning after December 15, 2027, with early adoption permitted, and may be applied on a prospective, modified retrospective or retrospective basis. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial position, results of operations or cash flows, but is evaluating the impact on its accounting policies, financial statements and related disclosures for capitalized internal‑use software costs.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements, which clarifies when interim reporting guidance applies, improves navigability of interim disclosure requirements, and consolidates interim disclosure requirements from other Topics into Topic 270. The amendments do not change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements. For public business entities, the amendments are effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted and application permitted on a prospective or retrospective basis. The Company is evaluating the impact of this guidance on its interim financial statement disclosures.

In December 2025, the FASB issued ASU 2025-12, Codification Improvements, which makes 33 targeted amendments across GAAP to clarify, correct, and improve the Codification without changing core principles. The amendments address items such as removing obsolete glossary entries, fixing illustrative errors, clarifying EPS dilution guidance, refining credit-loss guidance, and updating various cross-references. For all entities, the amendments are effective for annual reporting periods beginning after December 15, 2026, and interim periods within those annual reporting periods, with early adoption permitted on an issue-by-issue basis and transition permitted on a prospective or retrospective basis. The Company is evaluating the impact of this guidance on its consolidated financial statements and disclosures.

Recently Adopted Accounting Pronouncements:

In December 2023, the FASB issued ASU 2023‑09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which requires enhanced annual disclosures related to the effective tax rate reconciliation, including more disaggregated categories, and income taxes paid disaggregated by jurisdiction, as well as certain income tax information disaggregated by domestic and foreign sources. For public business entities, the amendments are effective for annual periods beginning after December 15, 2024, with early adoption permitted, and may be applied prospectively or retrospectively. The Company adopted ASU 2023‑09 in its annual financial statements for the year ended December 31, 2025 using a retrospective approach. The adoption did not have a material impact on the Company’s consolidated financial position, results of operations or cash flows, but resulted in additional income tax disclosures included in the notes to the consolidated financial statements.

In November 2023, the FASB issued ASU 2023‑07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, which requires additional annual and interim disclosures about significant segment expenses and other items included in reported measures of segment profit or loss, and clarifies that entities with a single reportable segment are subject to the same disclosure requirements as entities with multiple reportable segments. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2023, and for interim periods within fiscal years beginning after December 15, 2024, with retrospective application required to all periods presented. The Company adopted ASU 2023‑07 for its annual reporting beginning with the year ended December 31, 2024 and for interim reporting beginning in 2025. The adoption did not have a material impact on the Company’s consolidated financial position, results of operations or cash flows, but resulted in expanded segment disclosures in the notes to the consolidated financial statements.

In June 2016, the FASB issued ASU 2016‑13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which introduced the Current Expected Credit Losses (“CECL”) model for financial assets measured at amortized cost and certain off‑balance sheet credit exposures. The Company adopted ASU 2016‑13 on January 1, 2023. The adoption did not have a material impact on the Company’s consolidated financial statements, and the Company continues to measure expected credit losses on its financial assets in accordance with the CECL model.

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Contingency [Line Items]
Operating loss carryforwards use description	The state NOLs begin to expire in 2032.
Tax credit carryforwards period	20 years
Valuation allowance	$ 0	$ 58,658
Valuation allowance released amount	58,700
Unrecognized tax benefits	3,272	$ 2,026	$ 1,325
Unrecognized tax benefits amount, that affect effective tax rate if recognized	$ 3,300
Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax credit carryforward expiration year	2043
Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax credit carryforward expiration year	2045
State Income Taxes and Federal and State Research and Development Tax Credits [Member]
Income Tax Contingency [Line Items]
Unrecognized tax benefits	$ 3,300
Federal [Member]
Income Tax Contingency [Line Items]
Net operating loss carryforwards	0
Federal [Member] \| State Income Taxes and Federal and State Research and Development Tax Credits [Member]
Income Tax Contingency [Line Items]
Tax credit carryforwards	11,500
State [Member]
Income Tax Contingency [Line Items]
Net operating loss carryforwards	$ 70,700
Net operating loss carryforwards, expire year	2032
State [Member] \| State Income Taxes and Federal and State Research and Development Tax Credits [Member]
Income Tax Contingency [Line Items]
Tax credit carryforwards	$ 3,100

Debt Facility

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Debt Facility

Note 11 Debt Facility

In January 2021, Dave OD Funding I, LLC (the “Borrower”) entered into a delayed draw senior secured loan facility (the “Debt Facility”) with Victory Park Management, LLC (the “Agent”) and certain affiliated lenders, which provided borrowing capacity of up to $100.0 million. The Debt Facility initially bore interest at 6.95% per annum plus a base rate equal to the greater of the three‑month London interbank offered rate (“LIBOR”) as of the last business day of each calendar month and 2.55%, with interest payable monthly in arrears, and included a minimum liquidity covenant requiring cash, cash equivalents or marketable securities of at least $15.0 million.

On September 13, 2023, the Company executed a Third Amendment to the Debt Facility with the existing lenders. The Third Amendment, among other things, (i) increased the total commitment from $100.0 million to $150.0 million, (ii) extended the maturity date from January 2025 to December 2026, (iii) introduced a liquidity trigger threshold based on trailing EBITDA, (iv) increased the minimum liquidity requirement from $8.0 million to $15.0 million, (v) replaced LIBOR with the secured overnight financing rate (“SOFR”) and updated the interest rate to the base rate (or, if greater, SOFR for a three‑month tenor plus 3.00%) plus 5.00% per annum on the portion of the outstanding principal balance less than or equal to $75.0 million and the base rate plus 4.50% per annum on any outstanding principal balance in excess of $75.0 million, (vi) revised prepayment premiums for certain early or voluntary repayments, and (vii) terminated the Company’s limited guaranty of up to $25.0 million of the Borrower’s obligations, which had been secured by a first‑priority lien on substantially all of the Company’s assets.

The Debt Facility requires mandatory prepayments of outstanding borrowings in certain circumstances, including (i) 100% of net cash proceeds in excess of $0.25 million in the aggregate during any fiscal year from non‑ordinary course asset sales (other than permitted dispositions), (ii) 100% of net cash proceeds from certain casualty or condemnation events, (iii) 100% of net cash proceeds from non‑permitted indebtedness, and (iv) 100% of specified extraordinary receipts above an annual $0.25 million threshold, or 100% of such receipts at any time an event of default is continuing.

On October 18, 2024, the Company executed a Fourth Amendment to the Debt Facility with the existing lenders to increase borrowing flexibility and update certain terms. The Fourth Amendment, among other changes, revised the interest rate to the base rate plus 5.00% per annum on the aggregate outstanding principal balance and updated the prepayment premium provisions for early or voluntary principal repayments. The Fourth Amendment was accounted for as a debt modification; the Company incurred $0.03 million of associated costs, which are being amortized to interest expense on a straight‑line basis over the remaining term of the Debt Facility, and no gain or loss was recognized. As of June 30, 2025, the Company was not in compliance with a specific covenant under its existing Debt Facility. In particular, a breach existed relating to the Minimum Receivable Loan-to-Value ("LTV Ratio"), which exceeded the allowable limits set forth in the covenant. The Agent, on behalf of the Lenders, provided a one-time limited waiver of this covenant, effective from October 18, 2024 until June 30, 2025. This waiver is solely for that period and for addressing this specific breach, and does not constitute a waiver of any default or event of default under the Debt Facility. On July 14, 2025, the Company entered into the Fifth Amendment to the Financing Agreement, which, among other updates, removed the LTV ratio covenant from the agreement entirely. The Fifth Amendment also implemented additional reporting requirements and enhanced cash management provisions to strengthen the Company's covenant structure and operational oversight under the facility.

As of December 31, 2025 and December 31, 2024, the Company had $75.0 million outstanding under the Debt Facility and had made no principal repayments. As of December 31, 2025, the Company was in compliance with all covenants under the Debt Facility.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 470
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/470/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

+ Details

Property and Equipment, Net - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 2,652	$ 2,375
Less: Accumulated depreciation	(2,178)	(1,671)
Property and equipment, net	474	704
Computer equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	1,367	1,094
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	1,193	1,189
Furniture and fixtures [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 92	$ 92

ExtraCash Receivables, Net (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Summary of ExtraCash Receivables, Net

Below is a detail of ExtraCash receivables, net as of December 31, 2025 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	242,091	$	(3,006	)	$	239,085
11-30		56,897		(8,851	)		48,046
31-60		13,093		(7,942	)		5,151
61-90		11,893		(8,888	)		3,005
91-120		10,974		(8,954	)		2,020
Total	$	334,948	$	(37,641	)	$	297,307

Below is a detail of ExtraCash receivables, net as of December 31, 2024 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	142,623	$	(2,112	)	$	140,511
11-30		36,198		(6,223	)		29,975
31-60		7,882		(4,937	)		2,945
61-90		6,140		(4,712	)		1,428
91-120		5,717		(4,719	)		998
Total	$	198,560	$	(22,703	)	$	175,857

Summary of Allowance for Credit Losses

The roll-forward of the allowance for credit losses is as follows (in thousands):


Opening allowance balance at January 1, 2025	$	22,703
Plus: provision for credit losses		91,040
Plus: amounts recovered		16,680
Less: amounts written-off		(92,782	)
Ending allowance balance at December 31, 2025	$	37,641

Opening allowance balance at January 1, 2024	$	20,310
Plus: provision for credit losses		54,626
Plus: amounts recovered		12,438
Less: amounts written-off		(64,671	)
Ending allowance balance at December 31, 2024	$	22,703

Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Basis of Presentation

These consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”).

Specifically:

•

Financial network and transaction costs now appear as a separate line item within operating expenses (formerly included in other operating expenses).

•

Technology and infrastructure costs now appear as a separate line item within operating expenses (formerly included in other operating expenses).

Principles of Consolidation

Use of Estimates

(i) Allowance for credit losses; and

(ii) Income taxes.

Actual results may differ from these estimates under different assumptions or conditions.

Revenue Recognition

Below is detail of operating revenues (in thousands):


	For the Years Ended December 31,
	2025		2024		2023
Service based revenue, net
Processing and overdraft service fees, net	$	466,841	$	218,802	$	152,490
Tips		7,496		67,563		56,945
Subscriptions		37,224		24,599		21,483
Other		349		462		1,323
Transaction based revenue, net
Interchange revenue, net		24,364		19,990		17,004
ATM revenue, net		2,253		3,087		2,605
Other		15,655		12,573		7,243
Total operating revenues, net	$	554,182	$	347,076	$	259,093

Service Based Revenue, Net:

Processing and Overdraft Service Fees, Net

Processing and Overdraft Service Fees, Net:

Tips

Subscriptions

Other service based revenue consists of lead generation fees from the Company’s Side Hustle advertising partners and revenue share from the Company's Surveys partners.

Transaction Based Revenue, Net:

Processing and Servicing Costs

Financial Network and Transaction Costs

Cash and Cash Equivalents

The Company classifies all highly liquid instruments with an original maturity of three months or less as cash equivalents.

Restricted Cash

Restricted cash primarily represents cash held at financial institutions that is pledged as collateral for specific accounts that may become overdrawn.

Marketable Securities

Investments

ExtraCash Receivables

The Company does not provide modifications to ExtraCash and does not charge late fees.

Allowance for Credit Losses

Internally Developed Software

Property and Equipment

Impairment of Long-Lived Assets

Fair Value of Financial Instruments

Level 1—Quoted prices in active markets for identical assets or liabilities.

Concentration of Risk

marketable securities are exposed to any significant credit risk due to the quality and nature of the securities in which the money is held.

No Member individually exceeded 10% or more of the Company’s ExtraCash receivables balance as of December 31, 2025 and December 31, 2024.

Leases

Stock-Based Compensation

Stock Option Awards:

Restricted Stock Unit Awards:

Performance-Based Restricted Stock Unit Awards:

Advertising and Activation Costs

Income Taxes

Segment Information

Net Income (Loss) Per Share Attributable to Stockholders

The following table sets forth the computation of the Company’s basic and diluted net income (loss) per share attributable to holders of common stock (in thousands, except share data):


	For the Years Ended December 31,
	2025		2024		2023
Numerator
Net income (loss) attributed to common stockholders—basic and diluted	$	195,865	$	57,873	$	(48,517	)

Denominator
Weighted-average shares of common stock—basic		13,366,072		12,520,789		11,934,699
Dilutive effect of stock options		195,188		298,088		-
Dilutive effect of RSU		919,443		1,003,705		-
Weighted-average shares of common stock—diluted		14,480,703		13,822,582		11,934,699

Net income (loss) per share
Basic	$	14.65	$	4.62	$	(4.07	)
Diluted	$	13.53	$	4.19	$	(4.07	)

The following potentially dilutive shares were excluded from the computation of diluted net income (loss) per share for the periods presented because including them would have been antidilutive:


	For the Years Ended December 31,
	2025		2024		2023
Equity incentive awards		458,850		475,520		2,493,468
Convertible debt		-		-		312,500
Total		458,850		475,520		2,805,968

Recent Accounting Pronouncements

Recently Issued Accounting Pronouncements Not Yet Adopted:

Recently Adopted Accounting Pronouncements:

Fair Value of Financial Instruments - Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - Fair Value, Recurring [Member] $ in Thousands	Dec. 31, 2025 USD ($)
Assets
Investments	$ 40,788
Total assets	40,788
Liabilities
Earnout liabilities	4,281
Total liabilities	16,077
Public Warrants [Member]
Liabilities
Warrant Liability	6,217
Private Placement Warrants [Member]
Liabilities
Warrant Liability	5,579
Level 1
Assets
Total assets	0
Liabilities
Total liabilities	6,217
Level 1 \| Public Warrants [Member]
Liabilities
Warrant Liability	6,217
Level 2
Assets
Investments	40,788
Total assets	40,788
Level 3
Liabilities
Earnout liabilities	4,281
Total liabilities	9,860
Level 3 \| Private Placement Warrants [Member]
Liabilities
Warrant Liability	$ 5,579

ExtraCash Receivables, Net - Additional Information (Detail) - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Receivables [Abstract]
Provision for credit losses	$ 7.6	$ 5.1

Fair Value of Financial Instruments - Schedule of Level 3 Earnout Shares Liability (Detail) - Founder Holder Earnout Shares Liability [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 996	$ 31
Change in fair value during the period	3,285	965
Ending value	$ 4,281	$ 996

Cybersecurity Risk Management, Strategy, and Governance	12 Months Ended
Cybersecurity Risk Management, Strategy, and Governance	Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Item 1C. Cybersecurity Risk Management and Strategy The Company takes a risk-based approach to cybersecurity and has implemented cybersecurity policies throughout its operations that are designed to address cybersecurity threats and incidents. The Company’s cybersecurity program and policies articulate the expectations and requirements with respect to acceptable use, risk management, data privacy, education and awareness, security incident management and reporting, identity and access management, vendor due diligence, security (with respect to physical assets, products, networks, and systems), security monitoring and vulnerability identification. The cybersecurity program and policies are operated by a dedicated cybersecurity team in conjunction with the Company’s enterprise risk management program. The Company’s cyber risk management program is designed to identify, track, escalate, remediate, and report cybersecurity risks across the Company. These risk areas include internal, product, vendor, supply chain, and external services leveraged across the Company. The Company has a vendor management program that evaluates and oversees cybersecurity risks related to third party vendors providing services to the Company. Any identified risks are assessed, prioritized, and addressed via process, technology, and personnel improvements to help ensure ongoing mitigation and tracking. The Company’s cybersecurity strategy is guided by risk priorities and identified areas for improvement, which are informed by regulatory requirements and industry standards, such as the Federal Trade Commission’s Safeguards Rule and the National Institute for Standards and Technology (NIST) Cybersecurity Framework, and evolving business needs. This strategy is shared with the executive leadership at least annually. The Company maintains an incident response plan, coupled with a continuous monitoring program. This plan and program include incident alerting, comprehensive incident criticality assessments, and escalation processes to support teams, senior leadership, and the Board. The Company’s cybersecurity team manages all facets of the security monitoring and incident program, coordinating with Company engineers and other staff, along with third parties as needed, across our operating companies. All company employees are provided cybersecurity awareness training, which includes topics on the Company’s policies and procedures for reporting potential incidents. The Company’s cybersecurity team evaluates emerging risks, regulations, and compliance matters and updates the policies and procedures accordingly on an ongoing basis. To date, other than an unauthorized third-party’s access to certain incomplete or encrypted information about our Members in 2020, the Company has not experienced a cybersecurity threat or incident that has materially affected or that we believe is reasonably likely to materially affect the Company including its business strategy, results of operations or financial condition. Refer to the risk factor captioned “Cyberattacks and other security breaches or disruptions suffered by us or third parties upon which we rely could have a materially adverse effect on our business, harm our reputation and expose us to public scrutiny and liability.” in Part I, Item 1A. “Risk Factors” for additional description of cybersecurity risks and potential related impacts on the Company. Governance The Board oversees the Company’s risk management process, including cybersecurity risks, directly and through its committees. Pursuant to the Audit Committee Charter, the Audit Committee of the Board provides compliance oversight to the Company’s risk assessment and risk management policies, including for cybersecurity, and the steps management has taken to monitor and mitigate cybersecurity exposures and risks. The Company’s Director of Security and Information Technology (DSIT), in coordination with the Company’s Vice President of Technology, is responsible for leading the assessment and management of cybersecurity risks. The current DSIT has over 18 years of experience in information security. The DSIT reports to the Board and management on cybersecurity risk assessment, policies, incident prevention, detection, mitigation, and remediation of cybersecurity incidents on a quarterly basis or as needed.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Company’s cybersecurity program and policies articulate the expectations and requirements with respect to acceptable use, risk management, data privacy, education and awareness, security incident management and reporting, identity and access management, vendor due diligence, security (with respect to physical assets, products, networks, and systems), security monitoring and vulnerability identification. The cybersecurity program and policies are operated by a dedicated cybersecurity team in conjunction with the Company’s enterprise risk management program.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Board oversees the Company’s risk management process, including cybersecurity risks, directly and through its committees. Pursuant to the Audit Committee Charter, the Audit Committee of the Board provides compliance oversight to the Company’s risk assessment and risk management policies, including for cybersecurity, and the steps management has taken to monitor and mitigate cybersecurity exposures and risks.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Pursuant to the Audit Committee Charter, the Audit Committee of the Board provides compliance oversight to the Company’s risk assessment and risk management policies, including for cybersecurity, and the steps management has taken to monitor and mitigate cybersecurity exposures and risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The DSIT reports to the Board and management on cybersecurity risk assessment, policies, incident prevention, detection, mitigation, and remediation of cybersecurity incidents on a quarterly basis or as needed.
Cybersecurity Risk Role of Management [Text Block]	The Company’s Director of Security and Information Technology (DSIT), in coordination with the Company’s Vice President of Technology, is responsible for leading the assessment and management of cybersecurity risks. The current DSIT has over 18 years of experience in information security. The DSIT reports to the Board and management on cybersecurity risk assessment, policies, incident prevention, detection, mitigation, and remediation of cybersecurity incidents on a quarterly basis or as needed.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Company’s Director of Security and Information Technology (DSIT), in coordination with the Company’s Vice President of Technology, is responsible for leading the assessment and management of cybersecurity risks.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The current DSIT has over 18 years of experience in information security.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The DSIT reports to the Board and management on cybersecurity risk assessment, policies, incident prevention, detection, mitigation, and remediation of cybersecurity incidents on a quarterly basis or as needed.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating activities
Net income (loss)	$ 195,865	$ 57,873	$ (48,517)
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	7,131	7,681	5,544
Provision for credit losses	91,040	54,626	58,386
Changes in fair value of earnout liabilities	3,285	965	(22)
Changes in fair value of public and private warrant liabilities	9,864	1,729	(260)
Gain on extinguishment of convertible debt	0	(33,442)	0
Stock-based compensation	29,896	37,327	26,674
Deferred income taxes	(34,185)	0	0
Non-cash interest	0	251	3,114
Non-cash lease expense	(38)	(21)	(20)
Changes in fair value of marketable securities and investments	76	(16)	44
Changes in operating assets and liabilities:
ExtraCash receivables, service based revenue	(16,657)	(6,160)	(4,082)
Prepaid income taxes	0	148	683
Prepaid expenses and other current assets	(1,943)	(8,157)	3,311
Accounts payable	1,591	1,282	(5,935)
Accrued expenses	(2,009)	4,082	1,661
Legal settlement accrual	733	3,775	(6,120)
Other current liabilities	3,908	267	(446)
Other non-current liabilities	1,443	2,904	5
Other non-current assets	23	23	(266)
Net cash provided by operating activities	290,023	125,137	33,754
Investing activities
Payments for internally developed software costs	(6,457)	(7,300)	(7,895)
Purchase of property and equipment	(317)	(262)	(688)
Net originations, purchases and collections of ExtraCash receivables	(195,833)	(111,477)	(62,967)
Purchase of investments	(190,012)	(111,311)	(120,016)
Sale and maturity of investments	189,774	183,652	177,863
Purchase of marketable securities	(3)	(59,274)	(34,399)
Sale of marketable securities	100	60,129	33,727
Net cash used in investing activities	(202,748)	(45,843)	(14,375)
Financing activities
Repurchases of Class A common stock	(43,730)	0	0
Payment for fractional shares on reverse stock split	0	0	(12)
Proceeds from issuance of common stock for stock option exercises	761	1,266	34
Payment of taxes for shares withheld related to net share settlement	(13,319)	0	0
Payment of costs for extinguishment of convertible debt	0	(1,261)	0
Repayment of borrowings on convertible debt, long-term	0	(71,000)	0
Net cash (used in) provided by financing activities	(56,288)	(70,995)	22
Net increase in cash and cash equivalents and restricted cash	30,987	8,299	19,401
Cash and cash equivalents and restricted cash, beginning of the year	51,377	43,078	23,677
Cash and cash equivalents and restricted cash, end of the year	82,364	51,377	43,078
Supplemental disclosure of non-cash investing and financing activities:
Property and equipment purchases in accounts payable and accrued liabilities	0	0	2
Operating lease right of use assets recognized	0	0	298
Operating lease liabilities recognized	0	0	298
Supplemental disclosure of cash paid (received) for:
Income taxes	5,581	109	(586)
Interest	6,933	7,652	8,630
The following table provides a reconciliation of cash and cash equivalents, and restricted cash reported within the consolidated balance sheets with the same as shown in the consolidated statement of cash flows
Cash and cash equivalents	80,523	49,718	41,759
Restricted cash	1,841	1,659	1,319
Total cash, cash equivalents, and restricted cash, end of the year	$ 82,364	$ 51,377	$ 43,078

Income Taxes - Schedule of Income Taxes Paid (Net of Refunds) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Paid, by Individual Jurisdiction [Line Items]
Federal	$ 3,939	$ 2	$ 0
States	1,642	111	(586)
Total	$ 5,581	$ 109	$ (586)

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Total	Common stock [Member] Common stock Class A [Member]	Common stock [Member] Common stock Class V [Member]	Additional paid-in capital [Member]	Treasury shares [Member]	Accumulated other comprehensive (loss) income [Member]	Retained earnings (accumulated deficit) [Member]
Beginning balance at Dec. 31, 2022	$ 106,560	$ 1		$ 270,037		$ (1,675)	$ (161,803)
Beginning balance, Shares at Dec. 31, 2022		10,284,657	1,514,082
Issuance of Class A common stock in connection with stock plans (Value)	34			34
Issuance of Class A common stock in connection with stock plans (Shares)		349,516
Payment for fractional shares after reverse stock split	(12)			(12)
Stock-based compensation	26,674			26,674
Unrealized (loss) gain on available-for-sale securities	2,324					2,324
Net Income (Loss)	(48,517)						(48,517)
Ending balance at Dec. 31, 2023	87,063	$ 1		296,733		649	(210,320)
Ending balance, Shares at Dec. 31, 2023		10,634,173	1,514,082
Issuance of Class A common stock in connection with stock plans (Value)	1,266			1,266
Issuance of Class A common stock in connection with stock plans (Shares)		867,792
Stock-based compensation	37,327			37,327
Unrealized (loss) gain on available-for-sale securities	(428)					(428)
Net Income (Loss)	57,873						57,873
Ending balance at Dec. 31, 2024	183,101	$ 1		335,326		221	(152,447)
Ending balance, Shares at Dec. 31, 2024		11,501,965	1,514,082
Issuance of Class A common stock in connection with stock plans (Value)	761			761
Issuance of Class A common stock in connection with stock plans (Shares)		941,384
Shares withheld related to net share settlement (Shares)		(132,312)
Shares withheld related to net share settlement (Value)	(13,319)			(13,319)
Repurchase of Class A common stock (Shares)		(274,490)
Repurchase of Class A common stock (Value)	(43,730)				$ (43,730)
Conversion of Class V common stock to Class A common stock, (Shares)		200,000	(200,000)
Stock-based compensation	29,896			29,896
Unrealized (loss) gain on available-for-sale securities	153					153
Net Income (Loss)	195,865						195,865
Ending balance at Dec. 31, 2025	$ 352,727	$ 1		$ 352,664	$ (43,730)	$ 374	$ 43,418
Ending balance, Shares at Dec. 31, 2025		12,236,547	1,314,082

Leases - Additional information (Detail) - PCJW Properties LLC [Member] - USD ($) $ in Thousands	1 Months Ended
	Jan. 31, 2019	Dec. 31, 2018
Lessee, Lease, Description [Line Items]
Initial lease term of contract	7 years	5 years
Current monthly lease payment	$ 20	$ 7
Annual lease escalation percentage	5.00%	4.00%

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Preferred Stock, Par Value	$ 0.0001	$ 0.0001
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
ExtraCash receivables, Allowance for credit losses	$ 37,641	$ 22,703
Related party lease right of use assets	195	507
Related Party Short term lease liabilities	63	350
Related Party long term lease liabilities	141	204
Cash and cash equivalents	80,523	49,718
Investments	40,788	40,473
ExtraCash receivables, net of allowance for credit losses	297,307	175,857
Debt facility commitment fee, long-term	0	163
Total assets	487,418	299,327
Accounts payable	8,358	6,767
Debit facility, current	75,000	0
Debt facility, long-term	0	75,000
Total liabilities	134,691	116,226
Dave OD Funding I, LLC
Cash and cash equivalents	30,935	46,106
Investments	19,964	19,163
ExtraCash receivables, net of allowance for credit losses	206,595	158,447
Debt facility commitment fee, current	162	155
Debt facility commitment fee, long-term	0	163
Total assets	257,656	224,034
Accounts payable	560	605
Debit facility, current	75,000	0
Debt facility, long-term	0	75,000
Total liabilities	$ 75,560	$ 75,605
Class A common stock [Member]
Common Stock, Par Value	$ 0.0001	$ 0.0001
Common Stock, Shares Authorized	500,000,000	500,000,000
Common Stock, Shares, Issued	12,560,600	11,551,528
Common Stock, Shares, Outstanding	12,236,547	11,501,965
Treasury Stock, Common Shares	274,490
Common Class V [Member]
Common Stock, Par Value	$ 0.0001	$ 0.0001
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	1,314,082	1,514,082
Common Stock, Shares, Outstanding	1,314,082	1,514,082

Related-Party Transactions

12 Months Ended

Dec. 31, 2025

Related Party Transactions

Note 17 Related-Party Transactions

Leasing Arrangements:

For each of the years ended December 31, 2025, 2024, and 2023, the Company paid $0.4 million under lease agreements with PCJW, which is controlled by the Company's founders (including the Company's CEO) for general office space in Los Angeles, California.


Year	Related-Party Commitment
2026		79
2027		83
2028		72
Total minimum lease payments	$	234
Less: imputed interest		(30	)
Total lease liabilities	$	204

The related-party components of the lease right-of-use assets, lease liabilities, both short-term, and long-term, are presented as part of the right-of-use asset and lease liability on the consolidated balance sheets.

Debt Facility:

Brendan Carroll, a Senior Partner at Victory Park Capital Advisors, LLC ("VPC") joined the board of directors of the Company upon closing of the Business Combination. Interest expense related to the Debt Facility totaled $7.0 million, $7.7 million, and $8.6 million for the years ended December 31, 2025, 2024, and 2023, respectively. For more information about the Debt Facility with VPC, refer to Note 11, Debt Facility.

Legal Services:

The law firm of Mitchell Sandler LLC, of which the Company's director Andrea Mitchell is a partner, provided legal services to the Company, which totaled $0.9 million, $1.3 million, and $0.8 million for the years ended December 31, 2025, 2024, and 2023, respectively.

- Definition

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Stockholders' Equity

12 Months Ended

Dec. 31, 2025

Stockholders' Equity Note [Abstract]

Stockholders' Equity

Note 15 Stockholders’ Equity

As of December 31, 2025, no shares of preferred stock were outstanding, and the Company has no present plans to issue any shares of preferred stock.

Pursuant to the terms of the Company’s amended and restated certificate of incorporation, shares of preferred stock may be issued from time to time in one or more series. The Company’s Board of Directors are authorized to fix the voting rights, if any, designations, powers and preferences, the relative, participating, optional or other special rights, and any qualifications, limitations and restrictions thereof, applicable to the shares of each series of preferred stock. The Company’s Board of Directors are able to, without stockholder approval, issue preferred stock with voting and other rights that could adversely affect the voting power and other rights of the holders of the common stock and could have anti-takeover effects. The ability of the Company’s Board of Directors to issue preferred stock without stockholder approval could have the effect of delaying, deferring or preventing a change of control or the removal of existing management.

Class A and Class V Common Stock:

The Company’s Board of Directors has authorized two classes of common stock, Class A Common Stock and Class V Common Stock. The Company had authorized 500,000,000 and 100,000,000 shares of Class A Common Stock and Class V Common Stock, respectively. Shares of Class V Common Stock have 10 votes per share, while shares of Class A Common Stock have one vote per share. The holders of shares of Class A Common Stock and Class V Common Stock shall at all times vote together as a single class on all matters (including the election of directors) submitted to a vote of the Company’s stockholders. Class V Common Stock are convertible into shares of Class A Common Stock on a one-to-one basis at the option of the holders of Class V Common Stock at any time upon written notice to the Company. As of December 31, 2025, the Company had 12,560,600 and 1,314,082 of Class A Common Stock and Class

V Common Stock issued, respectively. As of December 31, 2025, the Company had 12,236,547 and 1,314,082 of Class A Common Stock and Class V Common Stock outstanding, respectively.

- Definition

The entire disclosure for equity.

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-Section 50
-Paragraph 18
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

+ Details

Intangible Assets, Net

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Intangible Assets, Net

Note 7 Intangible Assets, Net

The Company’s Intangible assets, net consisted of the following (in thousands):


		December 31, 2025							December 31, 2024
	Weighted Average Useful Lives	Gross Carrying Value		Accumulated Amortization			Net Book Value		Gross Carrying Value		Accumulated Amortization			Net Book Value
Internally developed software	3.0 Years	$	32,344	$	(18,724	)	$	13,620	$	27,501	$	(13,917	)	$	13,584
Domain name	15.0 Years		121		(71	)		50		121		(63	)		58
Intangible assets, net		$	32,465	$	(18,795	)	$	13,670	$	27,622	$	(13,980	)	$	13,642

The future estimated amortization expenses as of December 31, 2025, were as follows (in thousands):

Amortization expense for the years ended December 31, 2025, 2024 and 2023, was $6.4 million, $6.9 million and $4.9 million, respectively.

Amortization expense related to change in useful life of a certain definite-lived intangible asset for the year ended December 31, 2025, 2024, and 2023 was $0.6 million, $0.8 million and 0.3 million, respectively. No impairment charges were recognized related to long-lived assets for the years ended December 31, 2025, 2024 and 2023.

Stock-Based Compensation

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

Stock-Based Compensation

Note 16 Stock-Based Compensation

In 2017, the Company’s Board of Directors adopted the Dave Inc. 2017 Stock Plan (the “2017 Plan”). The 2017 Plan authorized the award of stock options, restricted stock, and restricted stock units. On January 4, 2022, the stockholders of the Company approved the 2021 Equity Incentive Plan (the “2021 Plan”). The 2021 Plan was previously approved, subject to stockholder approval, by the Company’s Board of Directors on January 4, 2022. Upon the consummation of the Business Combination with VPCC, the 2017 Plan was terminated and replaced by the 2021 Plan. The maximum term of stock options granted under the 2021 Plan is 10 years and the awards generally vest over a four-year period.

The Company recognized $29.9 million, $37.3 million and $26.7 million of stock-based compensation expense arising from stock options, restricted stock unit grants and performance-based restricted stock unit grants which is recorded as a component of compensation and benefits in the consolidated statements of operations for the years ended December 31, 2025, 2024 and 2023, respectively.

Stock Options:

Management has valued stock options at their date of grant utilizing the Black-Scholes option pricing model. The fair value of the underlying shares was estimated by using a number of inputs, including recent arm’s length transactions involving the sale of the Company’s common stock.

Expected term—The expected term represents the period of time that options are expected to be outstanding. As the Company does not have sufficient historical exercise behavior, it determines the expected life assumption using the simplified method, which is an average of the contractual term of the option and its vesting period.

Risk free interest rate—The risk-free interest rate is based on the implied yield available on U.S. Treasury issues with an equivalent term approximating the expected life of the options depending on the date of the grant and expected life of the options.

Expected dividend yield—The Company bases the expected dividend yield assumption on the fact that it has never paid cash dividends and has no present intention to pay cash dividends.

Expected volatility—Due to the Company’s limited operating history and lack of company-specific historical or implied volatility, the expected volatility assumption is based on historical volatilities of a peer group of similar companies whose share prices are publicly available. The Company identified a group of peer companies and considered their historical stock prices. In identifying peer companies, the Company considered the industry, stage of life cycle, size, and financial leverage of such other entities.

Activity with respect to stock options is summarized as follows:


	Shares			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Term (years)		Aggregate Intrinsic Value (in thousands)
Options outstanding, January 1, 2025		558,379		$	16.92		5.6	$	39,085
Granted		-		$	-
Exercised		(109,409	)	$	6.95
Forfeited		-		$	-
Expired		(798	)	$	22.21
Options outstanding, December 31, 2025		448,172		$	19.35		4.9		90,558
Nonvested options, December 31, 2025		238,686		$	23.16		5.2		47,319
Vested and exercisable, December 31, 2025		209,486		$	15.01		4.6		43,238

At December 31, 2025, total estimated unrecognized stock-based compensation cost related to unvested stock options prior to that date was $1.0 million, which is expected to be recognized over a weighted-average remaining period of 2.5 years.

On March 3, 2021, the Company granted the Chief Executive Officer stock options to purchase up to 358,001 shares of Common Stock in nine tranches. Each of the nine tranches contain service, market and performance conditions. The market conditions relate to the achievement of certain specified price targets. Vesting commences on the grant date; however, no compensation charges are recognized until the service and performance condition are probable, which is upon the completion of a liquidity event, the achievement of specified price targets for each tranche of shares, and continuous employment. Upon the completion of the business combination with VPCC, the performance condition was met and the Company recorded a cumulative stock-based compensation expense of $1.9 million. The options have a strike price of $23.18 per share. The Company determined the fair value of the options on the grant date to be $10.5 million using a Monte Carlo simulation with key inputs and assumptions such as stock price, term, dividend yield, risk-free interest rate, and volatility. The derived service periods determined by the valuation for each of the nine tranches range from approximately 3 years to approximately 7 years. Each tranche will be expensed monthly over the derived service period unless vesting conditions for a particular tranche are met, at which point all remaining compensation charges related to that particular tranche will be expensed in the period in which the vesting conditions were met.

The following table presents the key inputs and assumptions used to value the options granted to the Chief Executive Officer on the grant date:


Remaining term	10.0 years
Risk-free interest rate		1.5	%
Expected dividend yield		0.0	%
Expected volatility		40.0	%

Stock Option Repricing:

In April 2023, the Company’s Board of Directors approved a repricing of certain previously granted and still outstanding vested and unvested stock option awards held by eligible employees, which was approved by stockholders on June 9, 2023. As a result, the exercise price for these awards was lowered to $5.18 per share, which was the average per share closing price of the Company’s Class A Common Stock as reported on the Nasdaq Global Stock Market for the 30 trading days ending on and including June 9, 2023. No other terms of the repriced stock options were modified, and the repriced stock options will continue to vest according to their original vesting schedules and will retain their original expiration dates. As a result of the repricing, 134,931 vested and unvested stock options outstanding as of June 9, 2023, with original exercise prices ranging from $22.09 to $23.18, were repriced.

The repricing on June 9, 2023 resulted in incremental stock-based compensation expense of $0.2 million, of which $0.14 million related to vested stock option awards was expensed on the repricing date. The remaining $0.06 million related to unvested stock option awards is being amortized on a straight-line basis over the weighted-average vesting period of those awards of approximately 1.3 years as of June 9, 2023.

In September 2023, the Company’s Board of Directors approved a repricing of certain previously granted and still outstanding vested and unvested stock option awards held by eight remaining eligible employees excluded from the aforementioned June 9 repricing. As a result, the exercise price for these awards was lowered to $7.23 per share, which was the average per share closing price of the Company’s Class A Common Stock as reported on the Nasdaq Global Stock Market for the 30 trading days ending on and including September 13, 2023. No other terms of the repriced stock options were modified, and the repriced stock options will continue to vest according to their original vesting schedules and will retain their original expiration dates. As a result of the repricing, 200,571 vested and unvested stock options outstanding as of September 13, 2023, with original exercise prices ranging from $22.09 to $23.18, were repriced.

The repricing on September 13, 2023 resulted in incremental stock-based compensation expense of $0.2 million, of which $0.17 million related to vested stock option awards was expensed on the repricing date. The remaining $0.07 million related to unvested stock option awards is being amortized on a straight-line basis over the weighted-average vesting period of those awards of approximately 1.0 years as of September 13, 2023.

Restricted Stock Units:

Activity with respect to RSUs is summarized as follows:


	Shares			Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2025		1,200,868		$	27.21
Granted		256,064		$	108.26
Vested and Released		(621,522	)	$	39.73
Forfeited		(112,810	)	$	25.63
Outstanding shares at December 31, 2025		722,600		$	51.98

At December 31, 2025, total estimated unrecognized stock-based compensation cost related to nonvested RSUs was $35.1 million, which is expected to be recognized over a weighted-average period of 2.9 years.

During the first quarter of 2023, the Company granted 629,454 RSUs to certain employees in six tranches. Each of the six tranches contain service and market conditions. The market conditions relate to the achievement of certain specified price targets. Vesting commences on the grant date and the Company determined the fair value of the RSUs on the grant date to be approximately $3.0 million using a Monte Carlo simulation with key inputs and assumptions such as stock price, term, risk-free interest rate, and volatility. The derived service periods determined by the valuation for each of the six tranches range from approximately two years to approximately three years. Each tranche will be expensed monthly over the derived service period unless vesting conditions for a particular tranche are met, at which point all remaining compensation charges related to that particular tranche will be expensed in the period in which the vesting conditions were met.

The following table presents the key inputs and assumptions used to value the RSUs granted during January 2023 that contain service and market conditions on the grant date:


Remaining term	5.0 years
Risk-free interest rate		3.5	%
Expected volatility		79.7	%

During October 2023, the Company granted 71,844 RSUs to certain employees in six tranches. Each of the six tranches contain service and market conditions. The market conditions relate to the achievement of certain specified price targets. Vesting commences on the grant date and the Company determined the fair value of the RSUs on the grant date to be approximately $0.2 million using a Monte Carlo simulation with key inputs and assumptions such as stock price, term, risk-free interest rate, and volatility. The derived service periods determined by the valuation ranges from approximately two years to approximately three years. Each grant will be expensed monthly over the derived service period unless vesting conditions for a particular grant are met, at which point all remaining compensation charges related to that particular grant will be expensed in the period in which the vesting conditions were met.

The following table presents the key inputs and assumptions used to value the RSUs granted during October 2023 that contain service and market conditions on the grant date:


Remaining term	4.2 years
Risk-free interest rate		4.9	%
Expected volatility		87.6	%

During the quarter ended June 30, 2024, the Company's Board of Directors approved a modification to the price targets in the market conditions and the addition of alternative performance conditions for 333,275 unvested RSUs. The modification of the unvested RSUs resulted in an incremental stock-based compensation expense of $1.0 million, which will be expensed monthly over the derived service period. The weighted average modification-date fair value of the RSUs was $5.36 per award. The Company determined the fair value of the RSUs on the modification date using a Monte Carlo simulation with key inputs and assumptions such as stock price, term, risk-free interest rate, and volatility. The derived service periods determined by the valuation range from approximately one year to approximately two years. The RSUs will be expensed monthly over the derived service period unless vesting conditions for a particular tranche are met, at which point all remaining compensation charges will be expensed in the period in which the vesting

conditions were met. As a result of the modification, the RSUs are now classified as performance-based RSUs and included in the activity table below.

The following table presents the key inputs and assumptions used to value the RSUs modified during the quarter ended June 30, 2024:


Remaining term	3.7 years
Risk-free interest rate		4.7	%
Expected volatility		71.7	%

During the third quarter of 2024, the Company's Board of Directors approved a modification to the price targets in the market conditions and the addition of alternative performance conditions for 50,000 unvested RSUs and during the quarter the Company achieved the performance conditions. The modification and achievement of the performance conditions resulted in an incremental cumulative stock-based compensation expense of approximately $0.4 million. As a result of the modification, the RSUs are now classified as performance-based RSUs and included in the activity table below. The 50,000 performance-based RSUs were subject to vesting as of December 31, 2024 and will be considered vested and subsequently issued based upon the achievement of the remaining service requirement as outlined in the award agreements.

Performance-Based Restricted Stock Units:

The Company grants performance-based RSUs to certain executives and employees as part of its long-term incentive plan. The performance-based RSUs are subject to the attainment of defined performance and service conditions, such as the Company's trailing twelve month adjusted EBITDA and specific share price targets, both subject to continued employment with the Company through certain dates. The actual number of shares subject to the award is determined at the end of the performance period and may range from 0% to 150% of the target shares granted depending upon the terms of the award.

Activity with respect to Performance-Based RSUs is summarized as follows:


	Shares			Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2025		338,052		$	34.26
Granted		185,055		$	91.94
Vested and Released		(210,453	)	$	34.48
Forfeited		(21,142	)	$	63.19
Outstanding shares at December 31, 2025		291,512		$	68.62

During the year ended December 31, 2024, the Company achieved certain performance conditions as outlined in its grant agreements and recorded a cumulative stock-based compensation expense of approximately $5.6 million. A total of 291,512 performance-based RSUs were subject to vesting as of December 31, 2025 and will be considered vested and subsequently issued to participants based upon the achievement of the remaining service requirements as outlined in the award agreements.

At December 31, 2025, total estimated unrecognized stock-based compensation cost related to nonvested performance-based RSUs was approximately $11.6 million, which is expected to be recognized over a weighted-average period of 1.4 years.

401(k) Savings Plan - Additional Information (Detail) - 401(k) Savings Plan [Member] - USD ($) $ in Millions		12 Months Ended
	Jan. 01, 2021	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Defined Contribution Plan Disclosure [Line Items]
Defined contribution plan, maximum annual contributions per employee, percent	100.00%	90.00%
Defined contribution plan, employer matching contribution percent	4.00%
Defined contribution plan, employer contribution		$ 2.2	$ 2.1	$ 2.2

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net income (loss)	$ 195,865	$ 57,873	$ (48,517)
Unrealized gain (loss) on available-for-sale securities, net of tax	153	(428)	2,324
Comprehensive income (loss)	$ 196,018	$ 57,445	$ (46,193)

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Fair Value of Financial Instruments - Summary of Roll-Forward of the Level 1 Public Warrant Liability (Detail) - Public Placement Warrants [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 1,016	$ 97
Change in fair value during the period	5,201	919
Ending value	$ 6,217	$ 1,016

Stock-Based Compensation - Summary of Stock Option Activity (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Options outstanding	558,379
Exercised	(109,409)
Expired	(798)
Ending Options outstanding	448,172	558,379
Nonvested options, Shares	238,686
Vested and exercisable, Shares	209,486
Beginning Weighted- Average Exercise Price Options outstanding	$ 16.92
Weighted- Average Exercise Price Exercised	6.95
Weighted- Average Exercise Price Expired	22.21
Ending Weighted- Average Exercise Price Options outstanding	19.35	$ 16.92
Nonvested options, Weighted- Average Exercise Price	23.16
Vested and exercisable, Weighted- Average Exercise Price	$ 15.01
Weighted- Average Remaining Contractual Term (years)	4 years 10 months 24 days	5 years 7 months 6 days
Nonvested options, Weighted- Average Remaining Contractual Term (years)	5 years 2 months 12 days
Vested and exercisable, Weighted- Average Remaining Contractual Term (years)	4 years 7 months 6 days
Aggregate Intrinsic Value	$ 90,558	$ 39,085
Nonvested options, Aggregate Intrinsic Value	47,319
Vested and exercisable, Aggregate Intrinsic Value	$ 43,238

Subsequent Events

12 Months Ended

Dec. 31, 2025

Subsequent Events [Abstract]

Subsequent Events

Note 22 Subsequent Events

Subsequent events are events or transactions that occur after the consolidated balance sheet date, but before the consolidated financial statements are available to be issued. The Company recognizes in the consolidated financial statements the effects of all subsequent events that provide additional evidence about conditions that existed at the date of the consolidated balance sheet, including the estimates inherent in the process of preparing the consolidated financial statements. The Company’s consolidated financial statements do not recognize subsequent events that provide evidence about conditions that did not exist at the date of the consolidated balance sheet but arose after the consolidated balance sheet date and before the consolidated financial statements were available to be issued.

In February 2026, the Company extended the lease with PCJW for the office space in Los Angeles, California for one year, ending in December 2026. Under the terms of the lease the current monthly rent is $0.03 million.

On February 25, 2026, the Company’s Board of Directors authorized a new share repurchase program to buy back up to $300 million of its outstanding Class A common stock. The new program replaces the existing share repurchase program, which provided for up to $125 million repurchasing authority. As of February 25, 2026, approximately $113.2 million remained available under the existing program.

Commitments and Contingencies - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Commitments And Contingencies [Line Items]
Litigation and settlement accrual	$ 7,838	$ 7,105
Federal Trade Commission v. Dave, Inc. [Member]
Commitments And Contingencies [Line Items]
Litigation and settlement accrual	$ 7,800

Investments - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Accrued interest	$ 0	$ 90
Interest Income [Member]
Debt Securities, Available-for-Sale [Line Items]
Net realized gains on sale of investments	$ 0	$ 800	$ 900

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Convertible Note Payable - Additional Information (Detail) - USD ($)			12 Months Ended
	Jan. 29, 2024	Mar. 21, 2022	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Reduction in unamortized debt issuance costs	$ 30,000.00
Third-party costs	1,300,000
Gain on debt extinguishment	33,400,000		$ 0	$ 33,442,000	$ 0
Note Purchase Agreement [Member]
Debt Instrument [Line Items]
Debt instrument principal amount		$ 100,000,000
Debt instrument interest rate		3.00%
Debt instrument term		48 months
Debt instrument repurchase amount	105,700,000
Debt Instrument repurchase face amount	$ 71,000,000
Outstanding notes			0	0
Interest expense			$ 0	$ 300,000	$ 3,100,000

Stock-Based Compensation - Summary of Restricted Stock Activity (Detail)	12 Months Ended
	Dec. 31, 2025 $ / shares shares
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Balance, Shares \| shares	1,200,868
Granted, Shares \| shares	256,064
Vested, Shares \| shares	(621,522)
Forfeited, Shares \| shares	(112,810)
Ending Balance, Shares \| shares	722,600
Beginning Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 27.21
Granted, Weighted Average Grant-Date Fair Value \| $ / shares	108.26
Vested, Weighted Average Grant-Date Fair Value \| $ / shares	39.73
Forfeited, Weighted Average Grant-Date Fair Value \| $ / shares	25.63
Ending Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 51.98
Performance-Based Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Balance, Shares \| shares	338,052
Granted, Shares \| shares	185,055
Vested, Shares \| shares	(210,453)
Forfeited, Shares \| shares	(21,142)
Ending Balance, Shares \| shares	291,512
Beginning Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 34.26
Granted, Weighted Average Grant-Date Fair Value \| $ / shares	91.94
Vested, Weighted Average Grant-Date Fair Value \| $ / shares	34.48
Forfeited, Weighted Average Grant-Date Fair Value \| $ / shares	63.19
Ending Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 68.62

Subsequent Events - Additional Information (Details) - PCJW Properties LLC [Member] - USD ($) $ in Thousands	1 Months Ended
	Feb. 28, 2026	Jan. 31, 2019	Dec. 31, 2018
Subsequent Event [Line Items]
Current monthly rent		$ 20	$ 7
Subsequent Event [Member]
Subsequent Event [Line Items]
Extended lease term	1 year
Current monthly rent	$ 30

Segment Information - Summary of Financial Information with Respect to the Company's Single Operating and Reportable Segment (Detail) - USD ($) $ in Thousands		12 Months Ended
	Jan. 29, 2024	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating revenues:
Revenues		$ 554,182	$ 347,076	$ 259,093
Operating expenses:
Provision for credit losses		91,040	54,626	58,386
Processing and servicing costs		33,476	29,361	28,124
Financial network and transaction costs		28,210	24,726	22,687
Advertising and activation costs		65,989	53,446	56,662
Stock-based compensation		29,900	37,300	26,700
Technology and infrastructure		12,094	11,011	10,583
Other operating expenses		33,396	33,535	31,548
Total operating expenses		367,559	312,465	301,293
Other (income) expenses:
Interest income		(1,596)	(2,984)	(5,295)
Interest expense		7,043	7,989	11,774
Gain on extinguishment of convertible debt	$ (33,400)	0	(33,442)	0
Changes in fair value of earnout liabilities		3,285	965	(22)
Changes in fair value of public and private warrant liabilities		9,864	1,729	(260)
Total other (income) expense, net		18,596	(25,743)	6,197
Net income (loss) before provision (benefit) for income taxes		168,027	60,354	(48,397)
Provision (benefit) for income taxes		(27,838)	2,481	120
Net income (loss)		195,865	57,873	(48,517)
Service based revenue, net [Member]
Operating revenues:
Revenues		511,910	311,426	232,241
Transaction based revenue, net [Member]
Operating revenues:
Revenues		42,272	35,650	26,852
Operating Segments [Member]
Operating revenues:
Revenues		554,182	347,076	259,093
Operating expenses:
Provision for credit losses		91,040	54,626	58,386
Processing and servicing costs		33,476	29,361	28,124
Financial network and transaction costs		28,210	24,726	22,687
Advertising and activation costs		65,989	53,446	56,662
Employee salaries and bonuses		60,769	59,044	58,721
Capitalized compensation costs		(6,457)	(7,300)	(8,014)
Stock-based compensation		29,896	37,327	26,674
Temporary labor and contractors		6,295	5,066	5,117
Other compensation, benefits and payroll taxes		12,851	11,623	10,805
Technology and infrastructure		12,094	11,011	10,583
Other operating expenses		33,396	33,535	31,548
Total operating expenses		367,559	312,465	301,293
Other (income) expenses:
Interest income		(1,596)	(2,984)	(5,295)
Interest expense		7,043	7,989	11,774
Gain on extinguishment of convertible debt			(33,442)
Changes in fair value of earnout liabilities		3,285	965	(22)
Changes in fair value of public and private warrant liabilities		9,864	1,729	(260)
Total other (income) expense, net		18,596	(25,743)	6,197
Net income (loss) before provision (benefit) for income taxes		168,027	60,354	(48,397)
Provision (benefit) for income taxes		(27,838)	2,481	120
Net income (loss)		195,865	57,873	(48,517)
Operating Segments [Member] \| Service based revenue, net [Member]
Operating revenues:
Revenues		511,910	311,426	232,241
Operating Segments [Member] \| Transaction based revenue, net [Member]
Operating revenues:
Revenues		$ 42,272	$ 35,650	$ 26,852

Warrant Liabilities

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Warrant Liabilities

Note 10 Warrant Liabilities

As of December 31, 2025, there were 6,344,021 public warrants (“Public Warrants”) and 5,100,214 private placement warrants (“Private Warrants”) outstanding. In connection with the 1-for-32 reverse stock split effected on January 5, 2023, the number of outstanding Public Warrants and Private Warrants was not adjusted. Pursuant to the adjustment provisions of the warrant agreement, stock splits and combinations result in a proportionate adjustment to the number of shares of Class A common stock issuable upon exercise of each warrant and the corresponding exercise price, rather than an adjustment to the number of warrants outstanding. As a result, 32 warrants are now exercisable for one share of Class A common stock at an adjusted exercise price of $368.00 per share. Public Warrants may be exercised only for a whole number of shares; no fractional Public Warrants were issued upon separation of the units in connection with the Business Combination, and only whole Public Warrants trade. The Public Warrants are exercisable provided that the Company has an effective registration statement under the Securities Act covering the shares of Class A common stock issuable upon exercise and a current prospectus relating to such shares is available, or, alternatively, that the Company permits holders to exercise their Public Warrants on a cashless basis in a transaction exempt from registration under the Securities Act.

The Company has filed a registration statement covering the shares of Class A common stock issuable upon exercise of the Public Warrants and the Private Warrants. If, at the time of any warrant exercise, the Company’s Class A common stock is not listed on a national securities exchange such that it is not a “covered security” under Section 18(b)(1) of the Securities Act, the Company may, at its option, require holders of Public Warrants to exercise on a cashless basis in reliance on Section 3(a)(9) of the Securities Act, in which case it would not be required to file or maintain an effective registration statement. If the Company does not elect a cashless exercise in those circumstances, it will use its best efforts to register or qualify the underlying shares under applicable state (“blue sky”) securities laws to the extent an exemption is not available.

The Public Warrants and Private Warrants have an exercise price of $368.00 per share, subject to customary adjustments, and will expire on January 5, 2027 (five years after the completion of the Business Combination), or earlier upon redemption or liquidation in accordance with their terms.

Once the Public Warrants become exercisable, the Company may redeem all (but not less than all) of the outstanding Public Warrants for cash at a price of $0.01 per warrant, upon at least 30 days’ prior written notice, if, and only if, the closing price of the Class A common stock equals or exceeds $576.00 per share (as adjusted) for any 20 trading days within a 30‑trading‑day period ending on the third trading day prior to the date on which the Company sends the notice of redemption to warrant holders. The Company will not redeem the Public Warrants on this basis unless an effective registration statement under the Securities Act covering the Class A common stock issuable upon exercise of the Public Warrants is effective and a current prospectus relating to such shares is available throughout the 30‑day redemption period.

Once the Public Warrants become exercisable, the Company may also redeem all (but not less than all) of the outstanding Public Warrants at a price of $0.10 per warrant, upon at least 30 days’ prior written notice, if, and only if, the closing price of the Class A common stock equals or exceeds $320.00 per share (as adjusted) for any 20 trading days within a 30‑trading‑day period ending on the third trading day prior to the date on which the Company sends the notice of redemption to warrant holders. In such a redemption, holders will be able to exercise their Public Warrants on a cashless basis prior to redemption and receive a number of shares determined by reference to a table specified in the warrant agreement, based on the redemption date and the “fair market value” of the Class A common stock as defined in that agreement. If the Company calls the Public Warrants for redemption, management may require all holders that wish to exercise to do so on a cashless basis, as described in the warrant agreement.

The exercise price and the number of shares of Class A common stock issuable upon exercise of the Public Warrants and Private Warrants are subject to adjustment in certain circumstances, including in the event of a stock dividend, stock split, recapitalization, reorganization, merger or consolidation. As described above, such adjustments modify the per-warrant exercise terms rather than the number of warrants outstanding. The Public Warrants will not be adjusted for issuances of Class A common stock at a price below the applicable exercise price, and the Company will not be required to net cash settle the Public Warrants under any circumstances.

The Private Warrants are identical to the Public Warrants except that they are not redeemable by the Company so long as they are held by VPC Impact Acquisition Holdings Sponsor III, LLC (the “Sponsor”) or its permitted transferees. If the Private Warrants are transferred to a holder other than the Sponsor or its permitted transferees, they become redeemable by the Company and exercisable by such holders on the same basis as the Public Warrants.