0001193125-26-206446 | 10-Q | XBRL Viewer

Prepaid Expenses and Other Current Assets

3 Months Ended

Mar. 31, 2026

Prepaid Expense and Other Assets, Current [Abstract]

Prepaid Expenses and Other Current Assets

Note 4 Prepaid Expenses and Other Current Assets

The Company’s prepaid expenses and other current assets consisted of the following (in thousands):


	March 31, 2026		December 31, 2025
Partner receivables		6,490		3,971
Prepaid expenses		5,106		3,927
Rebate receivables		4,177		4,054
Bank partner deposit balances		4,020		3,618
Card inventory & card postage deposit		2,011		1,053
Other		2,747		1,455
Total	$	24,551	$	18,078

Partner receivables represent amounts due from strategic partners for contractual reimbursements and credits earned under partnership agreements, primarily related to the Company's checking product. These receivables increased $2.5 million from December 31, 2025, reflecting higher transaction volume during the quarter and the normal billing cycle, under which a significant portion of annual partner payments are received in the fourth quarter, resulting in a lower year-end balance that rebuilds during the first quarter. Partner receivables are typically collected within 60 days of the contract year-end and are not subject to significant credit risk.

Prepaid expenses primarily consist of prepaid software subscriptions, insurance premiums, marketing commitments, and professional services, which are amortized to expense over the period benefited, generally 12 months or less. The Company evaluates prepaid expenses for realizability on a quarterly basis.

Rebate receivables represent volume-based rebates and credits earned from technology vendors and service providers.

Condensed 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 income [Member]	Retained Earnings [Member]
Beginning balance at Dec. 31, 2024	$ 183,101	$ 1		$ 335,326		$ 221	$ (152,447)
Beginning balance, Shares at Dec. 31, 2024		11,501,965	1,514,082
Issuance of Class A common stock in connection with stock plans (Value)	$ 304			304
Issuance of Class A common stock in connection with stock plans (Shares)		488,351
Shares withheld related to net share settlement (Shares)	(132,312)	132,312
Shares withheld related to net share settlement (Value)	$ (13,319)			(13,319)
Repurchase of Class A common stock (Shares)		(81,370)
Repurchase of Class A common stock (Value)	(6,960)				$ (6,960)
Stock-based compensation	7,517			7,517
Unrealized gain (loss) on available-for-sale securities	8					8
Net Income (Loss)	28,812						28,812
Ending balance at Mar. 31, 2025	199,463	$ 1		329,828	(6,960)	229	(123,635)
Ending balance, Shares at Mar. 31, 2025		11,776,634	1,514,082
Beginning balance at Dec. 31, 2025	352,727	$ 1		352,664	(43,730)	374	43,418
Beginning balance, Shares at Dec. 31, 2025		12,236,547	1,314,082
Issuance of Class A common stock in connection with stock plans (Value)	$ 63			63
Issuance of Class A common stock in connection with stock plans (Shares)		114,648
Shares withheld related to net share settlement (Shares)	(38,850)	(38,850)
Shares withheld related to net share settlement (Value)	$ (8,170)			(8,170)
Repurchase of Class A common stock (Shares)		(912,622)
Repurchase of Class A common stock (Value)	(188,435)				(188,435)
Stock-based compensation	7,102			7,102
Purchases of capped calls	(17,364)			(17,364)
Unrealized gain (loss) on available-for-sale securities	(78)					(78)
Net Income (Loss)	57,936						57,936
Ending balance at Mar. 31, 2026	$ 203,781	$ 1		$ 334,295	$ (232,165)	$ 296	$ 101,354
Ending balance, Shares at Mar. 31, 2026		11,399,723	1,314,082

Accrued Expenses and Other Current Liabilities - Additional Information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Asset Pledged as Collateral [Member]
Accrued Expenses And Other Current Liabilities [Line Items]
Amount pleged related to charitable donations	$ 0	$ 500,000

ExtraCash Receivables, Net - Summary of ExtraCash Receivables, Net (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	$ 317,177	$ 334,948
Allowance for Credit Losses	(38,033)	(37,641)	$ (20,075)	$ (22,703)
ExtraCash Receivables, Net	279,144	297,307
1-10 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	210,249	242,091
Allowance for Credit Losses	(2,998)	(3,006)
ExtraCash Receivables, Net	207,251	239,085
11-30 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	74,119	56,897
Allowance for Credit Losses	(11,573)	(8,851)
ExtraCash Receivables, Net	62,546	48,046
31-60 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	13,504	13,093
Allowance for Credit Losses	(8,261)	(7,942)
ExtraCash Receivables, Net	5,243	5,151
61-90 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	9,574	11,893
Allowance for Credit Losses	(7,210)	(8,888)
ExtraCash Receivables, Net	2,364	3,005
91-120 [Member]
Financing Receivable, Past Due [Line Items]
Gross ExtraCash Receivables	9,731	10,974
Allowance for Credit Losses	(7,991)	(8,954)
ExtraCash Receivables, Net	$ 1,740	$ 2,020

- 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.

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+ Details

Investments - Additional Information (Detail) - USD ($)	3 Months Ended
Investments - Additional Information (Detail) - USD ($)	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Debt Securities, Available-for-Sale [Line Items]
Accrued interest	$ 0	$ 40,000.00
Net realized gains on sale of investments	0	$ 6,000.000
Unrealized losses on available-for-sale investment securities	$ 0		$ 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.

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+ Details

Fair Value of Financial Instruments - Schedule of Level 3 Earnout Shares Liability (Detail) - Founder Holder Earnout Shares Liability [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 4,281	$ 996
Change in fair value during the period	(3,190)	3,285
Ending value	$ 1,091	$ 4,281

Segment Information

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Segment Information

Note 18 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 three months ended March 31, 2026 and 2025.

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, resource allocation and the allocation of budget between the provision for credit losses, processing and servicing costs, advertising and activation costs, 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 three months ended March 31, 2026 and 2025, respectively:


Dave Inc. Condensed Consolidated Statements of Operations (in thousands) (unaudited)
	For the Three Months Ended
	March 31, 2026			March 31, 2025
Operating revenues:
Service based revenue, net	$	147,587		$	97,851
Transaction based revenue, net		10,827			10,128
Total operating revenues, net		158,414			107,979
Operating expenses:
Provision for credit losses		26,586			10,603
Processing and servicing costs		9,560			6,987
Financial network and transaction costs		7,752			7,039
Advertising and activation costs		14,260			11,930
Employee salaries and bonuses		15,311			15,521
Capitalized compensation costs		(1,543	)		(1,370	)
Stock-based compensation		7,102			7,517
Temporary labor and contractors		1,965			1,384
Other compensation, benefits and payroll taxes		4,755			4,199
Technology and infrastructure		3,395			2,726
Other operating expenses		9,705			6,294
Total operating expenses		98,848			72,830
Other (income) expenses:
Interest income		(824	)		(431	)
Interest expense		1,729			1,758
Changes in fair value of earnout liabilities		(3,190	)		(398	)
Changes in fair value of public and private warrant liabilities		(8,309	)		352
Total other (income) expense, net		(10,594	)		1,281
Net income before provision for income taxes		70,160			33,868
Provision for income taxes		12,224			5,056
Net income	$	57,936		$	28,812

Other operating expenses primarily include legal fees and settlements, depreciation and amortization of property and equipment and internally developed software, charitable contributions, travel and entertainment, office and occupancy costs, insurance, sales tax and other taxes, computer expenses, licenses and fees, dues and subscriptions, and other general and administrative costs. These costs generally reflect our investments in infrastructure, business development, risk management, and administrative operations, 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 (see Note 5, ExtraCash Receivables, Net), stock-based compensation (see Note 15, Stock-Based Compensation), depreciation and amortization expense (see Note 6, Intangible Assets, Net and Note 8, Convertible Notes), changes in fair value of earnout liabilities, and changes in fair value of public and private warrant liabilities (see Note 13, 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.

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+ Details

Leases - Schedule of Leasing Activities (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Leases [Abstract]
Operating lease cost	$ 101	$ 87
Total lease cost	101	87
Cash paid for operating leases	$ 101	$ 96
Weighted-average remaining lease term - operating lease	1 year 6 months 25 days	2 years 2 months 23 days
Weighted-average discount rate - operating lease	10.00%	10.00%

Stock-Based Compensation

3 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Stock-Based Compensation

Note 15 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 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 $7.1 million and $7.5 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 condensed consolidated statements of operations for the three months ended March 31, 2026 and 2025, 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, 2026		448,172		$	19.35		4.9	$	90,558
Granted		-		$	-
Exercised		(16,566	)	$	3.78
Forfeited		-		$	-
Expired		-		$	-
Options outstanding, March 31, 2026		431,606		$	19.95	$	4.7	$	66,530
Nonvested options, March 31, 2026		238,667		$	23.16	$	4.9	$	36,023
Vested and exercisable, March 31, 2026		192,939		$	15.97	$	4.4	$	30,507

At March 31, 2026, total estimated unrecognized stock-based compensation cost related to unvested stock options prior to that date was $0.8 million, which is expected to be recognized over a weighted-average remaining period of 2.2 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, 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 $23.16 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. During the quarter ended June 30, 2025, a price target milestone was achieved and 119,321 stock options were considered vested.

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	%

Restricted Stock Units:

Activity with respect to RSUs is summarized as follows:


	Shares			Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2026		722,600		$	51.98
Granted		156,424		$	215.81
Vested and Released		(98,082	)	$	38.08
Forfeited		(10,650	)	$	46.73
Outstanding shares at March 31, 2026		770,292		$	87.09

At March 31, 2026, total estimated unrecognized stock-based compensation cost related to nonvested RSUs was approximately $63.6 million, which is expected to be recognized over a weighted-average period of 3.3 years.

Performance-Based Restricted Stock Units:

The Company grants performance-based RSUs to certain executives and employees as part of its long-term incentive plan. These awards are subject to performance conditions, such as specific adjusted EBITDA and share price targets, market conditions based on relative total shareholder return metrics measured against a designated benchmark index, or a combination thereof, in each case subject to continued employment through specified vesting dates. The actual number of shares earned may range from 0% to 200% of the target shares granted depending upon the terms of the award. The accounting policy for performance-based RSUs, including the recognition and valuation methodology for awards with performance and market conditions, is described in Note 2.

For performance-based RSUs granted in the first quarter of 2026, the Company added an additional modifier for a market-based vesting conditions subject to a three-year relative total shareholder return metrics measured against a designated benchmark index. The performance-based RSUs subject to the market-based vesting condition are valued using a Monte Carlo simulation. Compensation cost is recognized when the Company concludes it is probable that the performance conditions will be satisfied, regardless of whether the market condition is achieved, over the requisite service period, provided that the requisite service has been provided. As of March 31, 2026, the Company assessed the achievement of the performance condition as not probable and the Company has not recorded any stock-based compensation expense for the performance-based RSUs granted in the first quarter of 2026.

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


	Shares		Weighted-Average Grant-Date Fair Value
Outstanding shares at January 1, 2026		291,512	$	68.62
Granted		316,004	$	229.12
Vested and Released		-		-
Forfeited		-		-
Outstanding shares at March 31, 2026		607,516	$	152.11

At March 31, 2026, total estimated unrecognized stock-based compensation cost related to nonvested performance-based RSUs was approximately $9.4 million, which is expected to be recognized over a weighted-average period of 1.2 years.

Prepaid Expenses and Other Current Assets - Schedule of Prepaid Expenses and Other Current Assets (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Prepaid Expense and Other Assets, Current [Abstract]
Partner receivables	$ 6,490	$ 3,971
Prepaid expenses	5,106	3,927
Rebate receivables	4,177	4,054
Bank partner deposit balances	4,020	3,618
Card inventory & Card postage deposit	2,011	1,053
Other	2,747	1,455
Total	$ 24,551	$ 18,078

Investments (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Summary of Investments

Below is a summary of investments, which are measured at fair value as of March 31, 2026 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Government securities		42,258		346		-		42,604
Total	$	42,258	$	346	$	-	$	42,604

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

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

As of March 31, 2026, the contractual maturities of available-for-sale investment securities were as follows (in thousands):


	Amortized Cost		Fair Value
Due in one year or less	$	42,258	$	42,604
Due after one year through five years	$	-	$	-
Total	$	42,258	$	42,604

- 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).

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+ 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	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 6,217	$ 1,016
Change in fair value during the period	(4,314)	5,201
Ending value	$ 1,903	$ 6,217

Organization and Nature of Business - Additional Information (Detail) $ in Thousands	1 Months Ended
	Jun. 30, 2025 USD ($)	Mar. 31, 2026 USD ($) 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
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]
Due to Related Parties		$ 500
Number of business days		12 days
Daves Service [Member] \| Minimum [Member]
Organization and Nature of Business Disclosure [Line Items]
Bank Overdrafts			$ 5

Prepaid Expenses and Other Current Assets - Additional Information (Detail) $ in Millions	3 Months Ended
	Mar. 31, 2026 USD ($)
Prepaid Expense and Other Assets, Current [Abstract]
Increase in partner receivables	$ 2.5

Organization and Nature of Business

3 Months Ended

Mar. 31, 2026

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 liquidity (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 approval amounts without requiring FICO scores or credit bureau data. Settlements are scheduled based on forecasted paycheck dates, with average settlement periods of approximately 12 days.

In February 2025, the Company completed the transition to a simplified fee structure, replacing the prior optional tip and express fee model with a mandatory overdraft service fee equal to the greater of $5 or 5% of the transfer amount. 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 can open a Dave Checking account in minutes through our mobile application, add funds, and begin spending using a virtual or physical Dave branded Mastercard debit card (the "Dave Debit Card"). The Dave Debit Card can be used for everyday purchases as well as no-fee withdrawals at over 40,000 MoneyPass ATM network locations. Members with qualifying direct deposits can access their paycheck up to two business days early. Revenue from Dave Checking is primarily driven by merchant interchange fees, Mastercard incentives, interest on deposits paid by our partner banks, and other ancillary fees.

Personal Financial Management: The Company offers a suite of personal financial management tools through a monthly membership, including automated budgeting, savings goals with round-up functionality, and an income opportunity service to help with supplemental work. In June of 2025, the Company increased the monthly membership fee from $1 to $3 for new Members. Members enrolled prior to this change are grandfathered at their existing rate.

Significant Accounting Policies - Schedule of Relationship Between Provision for Income Taxes and Net Income Before Provision for Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Accounting Policies [Abstract]
Net income before provision for income taxes	$ 70,160	$ 33,868
Provision for income taxes	$ (12,224)	$ (5,056)
Effective income tax rate	17.40%	14.90%

- Definition

Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.

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-Section S99
-Paragraph 2
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+ Details

- Definition

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

+ References

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+ Details

Fair Value of Financial Instruments - Summary of Unobservable Inputs in Measurement of Private Warrants (Detail)	Mar. 31, 2026
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	72.34
Risk-free interest rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	3.7
Remaining term
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Remaining term	9 months 3 days
Dividend yield
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Warrants and Rights Outstanding, Measurement Input	0

Leases - Schedule of Future Minimum Rental Payments for Operating Leases (Detail) - Related-Party Commitment [Member] $ in Thousands	Mar. 31, 2026 USD ($)
Schedule Of Future Minimum Rental Payments For Operating Leases [Line Items]
2026	$ 304
2027	83
2028	71
Total minimum lease payments	458
Less: imputed interest	(33)
Total lease liabilities	$ 425

Intangible Assets, Net (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Summary of Intangible Assets

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


		March 31, 2026							December 31, 2025
	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	$	33,695	$	(20,050	)	$	13,645	$	32,344	$	(18,724	)	$	13,620
Domain name	15.0 Years		121		(73	)		48		121		(71	)		50
Intangible assets, net		$	33,816	$	(20,123	)	$	13,693	$	32,465	$	(18,795	)	$	13,670

Summary of Estimated Amortization Expense

The future estimated amortization expense as of March 31, 2026, were as follows (in thousands):


	IDS		Domain
2026 (remaining)	$	3,728	$	6
2027		4,974		8
2028		3,019		8
2029		1,921		8
Thereafter		3		18
Total future amortization	$	13,645	$	48

Warrant Liabilities

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Warrant Liabilities

Note 9 Warrant Liabilities

As of March 31, 2026, there were 6,344,021 public warrants (“Public Warrants”) outstanding and 5,100,214 private placement warrants (“Private Warrants”) outstanding. In connection with the 1-for-32 reverse stock split effected on January 4, 2023, 32 warrants are exercisable for one share of Class A Common Stock. Public Warrants may only be exercised for a whole number of shares. No fractional Public Warrants were issued upon separation of the units into their component parts upon the closing of the Business Combination and only whole Public Warrants trade. The Public Warrants are exercisable, provided that the Company continues to have an effective registration statement under the Securities Act covering the shares of Class A Common Stock issuable upon exercise of the Public Warrants and a current prospectus relating to them is available (or the Company permits holders to exercise their Public Warrants on a cashless basis and such cashless exercise is exempt from registration under the Securities Act).

The Company filed a registration statement covering the shares of Class A Common Stock issuable upon exercise of the Public Warrants and the Private Warrants. If the Company’s shares of Class A Common Stock are at the time of any exercise of a warrant not listed on a national securities exchange such that they satisfy the definition of a “covered security” under Section 18(b)(1) of the Securities Act, the Company may, at its option, require holders of Public Warrants who exercise their warrants to do so on a “cashless basis” in accordance with Section 3(a)(9) of the Securities Act and, in the event the Company so elects, it will not be required to file or maintain in effect a registration statement, and in the event the Company does not so elect, it will use its best efforts to register or qualify the shares under applicable blue sky laws to the extent an exemption is not available.

The Public Warrants and Private Warrants have an original exercise price of $11.50 per share. As a result of the 1-for-32 reverse stock split effected on January 4, 2023, 32 warrants are required to be exercised to receive one share of Class A Common Stock at an aggregate exercise price of $368 per share. These warrants will expire five years after the completion of the Business Combination, or earlier if redeemed or upon liquidation.

Redemption of Public Warrants when the price per share of Class A Common Stock equals or exceeds $576.00:

Once the Public Warrants become exercisable, the Company may redeem the outstanding Public Warrants for cash:

•

in whole and not in part;

•

at a price of $0.01 per warrant;

•

upon a minimum of 30 days prior written notice of redemption; and if, and only if, the closing price of 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 the warrant holders.

The Company will not redeem the Public Warrants as described above unless an effective registration statement under the Securities Act covering the Class A Common Stock issuable upon exercise of the warrants is effective and a current prospectus relating to those shares of Class A Common Stock is available throughout the 30-day redemption period.

Redemption of Public Warrants for when the price per share of Class A Common Stock equals or exceeds $320.00:

Once the Public Warrants become exercisable, the Company may redeem the outstanding Public Warrants:

•

in whole and not in part;

•

at $0.10 per warrant upon a minimum of 30 days’ prior written notice of redemption provided that holders will be able to exercise their warrants on a cashless basis prior to redemption and receive that number of shares determined by reference to an agreed table based on the redemption date and the “fair market value” (as defined below) of the Class A Common Stock; and

•

if, and only if, the closing price of Class A Common Stock equals or exceeds $320.00 per Public Share (as adjusted) for any 20 trading days within the 30-trading day period ending three trading days before the Company sends notice of redemption to the warrant holders.

If the Company calls the Public Warrants for redemption, management will have the option to require all holders that wish to exercise the Public Warrants to do so on a “cashless basis,” as described in the warrant agreement. The exercise price and number of shares of Class A Common Stock issuable upon exercise of the warrants may be adjusted in certain circumstances including in the event of a stock dividend, or recapitalization, reorganization, merger or consolidation. However, the Public Warrants will not be adjusted for issuance of Class A Common Stock at a price below its exercise price. Additionally, in no event will the Company be required to net cash settle the Public Warrants.

The Private Warrants are identical to the Public Warrants, except that the Private Placement Warrants will be non-redeemable so long as they are held by VPC Impact Acquisition Holdings Sponsor III, LLC, which was the sponsor of VPCC and an affiliate of certain of VPCC’s officers and directors prior to the Business Combination, (the “Sponsor”) or its permitted transferees. If the Private Warrants are held by someone other than the Sponsor or its permitted transferees, the Private Warrants will be redeemable by the Company and exercisable by such holders on the same basis as the Public Warrants.

Contemporaneously with the execution of the Debt Facility, the Company issued warrants to the various lenders (the “Lenders”) associated with Victory Park Management, LLC as consideration for entering into the Debt Facility, representing a loan commitment fee. The warrants vest and become exercisable based on the Company’s aggregated draw on the Debt Facility in incremental $10.0 million tranches and terminate upon the earliest to occur of (i) the fifth anniversary of the occurrence of a qualified financing event and (ii) the consummation of a liquidity event. The holders of the warrants have the ability to exercise their right to acquire a number of common shares equal to 0.2% of the fully diluted equity of the Company as of the closing date (“Equity Closing Date”) of the Company’s next equity financing with proceeds of at least $40.0 million (“Qualified Financing Event”) or immediately prior to the consummation of a liquidity event. The exercise price of the warrants is the greater of (i) 80% of the fair market value of each share of Common Stock at the Equity Closing Date and (ii) $120.0656 per share, subject to certain down-round adjustments. The warrants meet the definition of a derivative under ASC 815 and will be accounted for as a liability at fair value and subsequently remeasured to fair value at the end of each reporting period with the changes in fair value recorded in the condensed consolidated statement of operations. The initial offsetting entry to the warrant liability was an asset recorded to reflect the loan commitment fee. The loan commitment fee asset will be amortized to interest expense over the commitment period of four years. The Company estimated the fair value of the warrants at the issuance date to be $0.1 million using the Black-Scholes option-pricing model. Determining the fair value of these warrants under this model requires subjective assumptions. These estimates involve inherent uncertainties and the application of management’s judgment.

Immediately prior to the close of the Business Combination, all, or 1,664,394 of the vested warrants were exercised and net settled for 14,087 shares of Legacy Dave’s Class A Common Stock after applying the Exchange Ratio.

Stockholders' Equity - Additional Information (Detail) $ / shares in Units, $ in Thousands		1 Months Ended	3 Months Ended
	Mar. 09, 2026 USD ($) $ / shares shares	Mar. 31, 2026 USD ($) $ / shares shares	Mar. 31, 2026 USD ($) $ / shares shares	Mar. 31, 2025 USD ($) shares	Dec. 31, 2025 shares
Class of Stock [Line Items]
Preferred stock shares outstanding		0	0		0
Payment of taxes for shares withheld related to net share settlement \| $			$ 8,170	$ 13,319
Shares withheld related to net share settlement			38,850	132,312
Capped call transaction initial strike price \| $ / shares		$ 279.13	$ 279.13
Capped call transaction initial cap price \| $ / shares		$ 421.34	$ 421.34
Number of shares repurchased	334,600	578,022
Shares repurchased price per share \| $ / shares	$ 210.67
Aggregate cost of shares repurchased \| $	$ 70,500	$ 116,200	$ 186,700	$ 43,700
Common Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares Authorized		500,000,000	500,000,000		500,000,000
Common Stock, Shares, Issued		12,636,398	12,636,398		12,560,600
Common Stock, Shares, Outstanding		11,399,723	11,399,723		12,236,547
Voting right description			Class A Common Stock have one vote per share
Common stock, conversion basis			Shares of 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
Number of shares repurchased			912,622	274,490
Common Class V [Member]
Class of Stock [Line Items]
Common Stock, Shares Authorized		100,000,000	100,000,000		100,000,000
Common Stock, Shares, Issued		1,314,082	1,314,082		1,314,082
Common Stock, Shares, Outstanding		1,314,082	1,314,082		1,314,082
Voting right description			Class V Common Stock have 10 votes per share
2031 Notes
Class of Stock [Line Items]
Capped call transaction initial strike price \| $ / shares	$ 279.13
Capped call transaction initial cap price \| $ / shares	$ 421.34
Capped call transaction expiration date	Apr. 01, 2031
Reduction in additional paid-in capital related to capped call transactions \| $	$ 17,400
Capped call transaction, premiums paid \| $	17,300
Capped call transaction, issuance costs \| $	$ 100
Shares repurchased price per share \| $ / shares	$ 210.67
Aggregate cost of shares repurchased \| $	$ 70,500
2031 Notes \| Common Class A [Member]
Class of Stock [Line Items]
Number of options covered in capped call transactions, subject to anti-dilution adjustments	716,500
Number of options on common stock covered in capped call transaction	800,000
Initial option entitlement shares for each option covered in capped call transaction	0.895625
Number of shares repurchased	334,600

Significant Accounting Policies - Summary of Computation of Diluted Net Income Per Share (Parenthetical) (Detail)	3 Months Ended
	Mar. 31, 2026 USD ($) shares
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Conversion rate	3.5825
Principal amount \| $	$ 1,000
Converted instrument, shares issuable	716,500

Prepaid Expenses and Other Current Assets (Tables)

3 Months Ended

Mar. 31, 2026

Prepaid Expense and Other Assets, Current [Abstract]

Schedule of Prepaid Expenses and Other Current Assets

The Company’s prepaid expenses and other current assets consisted of the following (in thousands):


	March 31, 2026		December 31, 2025
Partner receivables		6,490		3,971
Prepaid expenses		5,106		3,927
Rebate receivables		4,177		4,054
Bank partner deposit balances		4,020		3,618
Card inventory & card postage deposit		2,011		1,053
Other		2,747		1,455
Total	$	24,551	$	18,078

Significant Accounting Policies - Summary of Operating Revenues (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Revenue Recognition [Line Items]
Revenues	$ 158,414	$ 107,979
Processing and overdraft service fees, net [Member]
Revenue Recognition [Line Items]
Revenues	133,588	83,448
Tips [Member]
Revenue Recognition [Line Items]
Revenues	0	7,496
Subscriptions [Member]
Revenue Recognition [Line Items]
Revenues	13,945	6,817
Other [Member]
Revenue Recognition [Line Items]
Revenues	54	90
Interchange revenue, net [Member]
Revenue Recognition [Line Items]
Revenues	6,201	5,885
ATM revenue, net [Member]
Revenue Recognition [Line Items]
Revenues	659	794
Transaction based revenue Other, net [Member]
Revenue Recognition [Line Items]
Revenues	$ 3,967	$ 3,449

- 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).

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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(B))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 32: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

+ Details

Accrued Expenses and Other Current Liabilities - Summary of Other Current Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Accrued Liabilities and Other Liabilities [Abstract]
Forward commitment liability	$ 3,244	$ 3,617
Deferred transaction costs	3,150	3,150
Unearned revenue	604	606
Other	2,369	667
Total	$ 9,367	$ 8,040

Treasury Shares

3 Months Ended

Mar. 31, 2026

Equity [Abstract]

Treasury Shares

Note 19 Treasury Shares

During 2025, the Company repurchased an aggregate of 274,490 shares of Class A common stock for a total cost of $43.7 million, inclusive of transaction costs, under the share repurchase programs then in effect. Refer to Note 21, Treasury Shares, in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 for additional details.

On February 27, 2026, the Company's Board of Directors authorized a new share repurchase program under which the Company may repurchase up to $300.0 million of its outstanding Class A common stock (the "Repurchase Program"), which replaced the Company's prior $125.0 million program. Prior to being replaced, approximately $113.3 million remained available under the prior program. Under the Repurchase Program, repurchases may be made from time to time through open market transactions, privately negotiated transactions, block trades, accelerated share repurchase agreements, trading plans established pursuant to Rule 10b5-1 under the Securities Exchange Act of 1934, as amended, or other means as management may determine. The Repurchase Program does not obligate the Company to acquire any particular number of shares. The timing, price, and volume of repurchases are subject to management's discretion and depend on market conditions, share price, legal requirements, available liquidity, and other factors. The Company may suspend or discontinue the Repurchase Program at any time without prior notice. The Repurchase Program has no expiration date.

During the three months ended March 31, 2026, the Company repurchased shares of its Class A common stock under the Repurchase Program as follows:

•

In connection with the offering of the 2031 Notes (see Note 8, Convertible Notes), on March 9, 2026, the Company repurchased 334,600 shares in privately negotiated transactions effected through J.P. Morgan Securities LLC, as agent, at a price of $210.67 per share (the closing price on the date of pricing), for an aggregate cost of approximately $70.5 million, funded from the net proceeds of the offering.

•

Additionally, during March 2026, the Company repurchased 578,022 shares through open market transactions for an aggregate cost of approximately $116.2 million, inclusive of commissions and transaction costs, funded from general corporate funds.

In total, during the three months ended March 31, 2026, the Company repurchased 912,622 shares of Class A common stock for an aggregate cost of approximately $186.7 million under the Repurchase Program.

All repurchased shares are recorded as treasury shares at cost as a component of stockholders' equity on the condensed consolidated balance sheets. No treasury shares were retired or reissued during the three months ended March 31, 2026. As of March 31, 2026, approximately $113.3 million remained available for future repurchases under the Repurchase Program.

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Operating revenues:
Revenues	$ 158,414	$ 107,979
Operating expenses:
Provision for credit losses	26,586	10,603
Processing and servicing costs	9,560	6,987
Financial network and transaction costs	7,752	7,039
Advertising and activation costs	14,260	11,930
Compensation and benefits	27,590	27,251
Technology and infrastructure	3,395	2,726
Other operating expenses	9,705	6,294
Total operating expenses	98,848	72,830
Other (income) expenses:
Interest income	(824)	(431)
Interest expense	1,729	1,758
Changes in fair value of earnout liabilities	(3,190)	(398)
Changes in fair value of public and private warrant liabilities	(8,309)	352
Total other (income) expense, net	(10,594)	1,281
Net income before provision for income taxes	70,160	33,868
Provision for income taxes	12,224	5,056
Net income	$ 57,936	$ 28,812
Net income per share:
Basic	$ 4.31	$ 2.19
Diluted	$ 4.02	$ 1.97
Weighted-average shares used to compute net income per share
Basic	13,434,862	13,126,286
Diluted	14,399,635	14,646,526
Service based revenue, net [Member]
Operating revenues:
Revenues	$ 147,587	$ 97,851
Transaction based revenue, net [Member]
Operating revenues:
Revenues	$ 10,827	$ 10,128

Stock-Based Compensation - Additional information (Detail) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2026 USD ($) Tranche $ / shares shares	Jun. 30, 2025 shares	Mar. 31, 2025 USD ($)	Dec. 31, 2025 shares
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation	$ 7.1		$ 7.5
Option Strike Price \| $ / shares	$ 23.16
Unrecognized stock-based compensation cost period for recognition	1 year 2 months 12 days
Chief Executive Officer [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation	$ 1.9
Granted, Shares \| shares	358,001
Fair value of the options on the grant date	$ 10.5
Stock options vested \| shares		119,321
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 Units (RSUs) [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 63.6
Unrecognized stock-based compensation cost period for recognition	3 years 3 months 18 days
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	$ 0.8
Unrecognized stock-based compensation cost period for recognition	2 years 2 months 12 days
Stock Compensation Plan [Member] \| 2021 Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Expiration period	10 years
Vesting period	4 years
Performance-Based Restricted Stock Units [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Stock-based compensation	$ 0.0
Granted, Shares \| shares	316,004
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 9.4
Nonvested options, Shares \| shares	607,516			291,512
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	200.00%

Debt Facility - Additional Information (Detail) - Senior Secured Loan Facility				3 Months Ended	12 Months Ended
	Oct. 18, 2024 USD ($)	Sep. 13, 2023 USD ($)	Jan. 31, 2021 USD ($)	Mar. 31, 2026 USD ($)	Dec. 31, 2025 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
Line of credit facility, interest rate during period			6.95%
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 Instrument, Variable Interest Rate, Type [Extensible Enumeration]	Base Rate [Member]
Debt modification, incurred	$ 30,000.00
Gain or loss of debt instrument modification	$ 0
Interest rate	5.00%
Line of Credit \| Victory Park Management, LLC
Debt Instrument [Line Items]
Debt instrument, description of variable rate basis			6.95% annually plus a base rate defined as 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, Variable Interest Rate, Type [Extensible Enumeration]			Base Rate [Member]
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%

Segment Information - Summary of Financial Information with Respect to the Company's Single Operating and Reportable Segment (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Operating revenues:
Revenues	$ 158,414	$ 107,979
Operating expenses:
Provision for credit losses	26,586	10,603
Processing and servicing costs	9,560	6,987
Financial network and transaction costs	7,752	7,039
Advertising and activation costs	14,260	11,930
Stock-based compensation	7,100	7,500
Technology and infrastructure	3,395	2,726
Other operating expenses	9,705	6,294
Total operating expenses	98,848	72,830
Other (income) expenses:
Interest income	(824)	(431)
Interest expense	1,729	1,758
Changes in fair value of earnout liabilities	(3,190)	(398)
Changes in fair value of public and private warrant liabilities	(8,309)	352
Total other (income) expense, net	(10,594)	1,281
Net income before provision for income taxes	70,160	33,868
Provision for income taxes	12,224	5,056
Net income	57,936	28,812
Service based revenue, net [Member]
Operating revenues:
Revenues	147,587	97,851
Transaction based revenue, net [Member]
Operating revenues:
Revenues	10,827	10,128
Operating Segments [Member]
Operating revenues:
Revenues	158,414	107,979
Operating expenses:
Provision for credit losses	26,586	10,603
Processing and servicing costs	9,560	6,987
Financial network and transaction costs	7,752	7,039
Advertising and activation costs	14,260	11,930
Employee salaries and bonuses	15,311	15,521
Capitalized compensation costs	(1,543)	(1,370)
Stock-based compensation	7,102	7,517
Temporary labor and contractors	1,965	1,384
Other compensation, benefits and payroll taxes	4,755	4,199
Technology and infrastructure	3,395	2,726
Other operating expenses	9,705	6,294
Total operating expenses	98,848	72,830
Other (income) expenses:
Interest income	(824)	(431)
Interest expense	1,729	1,758
Changes in fair value of earnout liabilities	(3,190)	(398)
Changes in fair value of public and private warrant liabilities	(8,309)	352
Total other (income) expense, net	(10,594)	1,281
Net income before provision for income taxes	70,160	33,868
Provision for income taxes	12,224	5,056
Net income	57,936	28,812
Operating Segments [Member] \| Service based revenue, net [Member]
Operating revenues:
Revenues	147,587	97,851
Operating Segments [Member] \| Transaction based revenue, net [Member]
Operating revenues:
Revenues	$ 10,827	$ 10,128

Leases (Tables)

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Schedule of Leasing Activities

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Operating lease cost	$	101	$	87
Short-term lease cost		-		-
Total lease cost	$	101	$	87


	For the Three Months Ended
	March 31, 2026			March 31, 2025
Other information:
Cash paid for operating leases	$	101		$	96
Weighted-average remaining lease term - operating lease		1.57			2.23
Weighted-average discount rate - operating lease		10	%		10	%

Schedule of Future Minimum Rental Payments for Operating Leases

The future minimum lease payments as of March 31, 2026, were as follows (in thousands):


Year	Related-Party Commitment
2026	$	304
2027		83
2028		71
Total minimum lease payments	$	458
Less: imputed interest	$	(33	)
Total lease liabilities	$	425

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
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	$ 38,033	$ 37,641
Related party lease right of use assets	416	195
Related Party Short term lease liabilities	301	63
Related Party long term lease liabilities	124	141
Cash and cash equivalents	133,327	80,523
Investments	42,604	40,788
ExtraCash receivables, net of allowance for credit losses	279,144	297,307
Total assets	530,529	487,418
Accounts payable	6,733	8,358
Debt facility, current	75,000	75,000
Total liabilities	326,748	134,691
Dave OD Funding I, LLC
Cash and cash equivalents	10,325	30,935
Investments	20,119	19,964
ExtraCash receivables, net of allowance for credit losses	235,357	206,595
Debt facility commitment fee, current	122	162
Total assets	265,923	257,656
Accounts payable	552	560
Debt facility, current	75,000	75,000
Total liabilities	$ 75,552	$ 75,560
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	12,636,398	12,560,600
Common Stock, Shares, Outstanding	11,399,723	12,236,547
Treasury Stock, Common, Shares	1,187,112	274,490
Class V common stock [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	1,314,082
Common Stock, Shares, Outstanding	1,314,082	1,314,082

Significant Accounting Policies - Additional Information (Detail) $ / shares in Units, $ in Millions		3 Months Ended
	Jan. 04, 2023 shares	Mar. 31, 2026 USD ($) $ / shares shares	Mar. 31, 2025 USD ($) shares	Dec. 31, 2025 USD ($) $ / shares
Significant Accountings Policies [Line Items]
Loan origination costs		$ 1.8	$ 1.1
Unrecognized tax benefits, income tax penalties and interest accrued		3.5		$ 3.3
FDIC insured amount		$ 134.2		$ 81.4
Allowance for credit losses average term		12 days
Capitalized costs for internally developed software		$ 1.5	1.4
Advertising costs		12.4	10.3
Activation costs		$ 1.9	$ 1.6
Effective income tax rate		50.00%
Accounts receivable, noncurrent, threshold period past due, writeoff		120 days
Accounts receivable, noncurrent, threshold period past due		13 days
Computation of diluted net income excluded \| shares		1,998,329	225,876
Reverse stock split, description	1-for-32 reverse stock split effected on January 4, 2023
Reverse stock split, conversion ratio	0.3125
Number of warrants exercisable per common stock \| shares	32
Capped call transaction initial strike price \| $ / shares		$ 279.13
Capped call transaction initial cap price \| $ / shares		$ 421.34
Accounting Standards Update 2024-04 [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, 2026
Change in Accounting Principle, Accounting Standards Update, Immaterial Effect [true false]		true
Accounting Standards Update 2025-05 [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, 2026
Change in Accounting Principle, Accounting Standards Update, Immaterial Effect [true false]		true
Minimum [Member]
Significant Accountings Policies [Line Items]
Property, plant and equipment, useful life		3 years
Minimum [Member] \| Performance-Based Restricted Stock Units [Member]
Significant Accountings Policies [Line Items]
Non-option equity units percentage of target shares granted		0.00%
Maximum [Member]
Significant Accountings Policies [Line Items]
Property, plant and equipment, useful life		7 years
Maximum [Member] \| Performance-Based Restricted Stock Units [Member]
Significant Accountings Policies [Line Items]
Non-option equity units percentage of target shares granted		200.00%
Class A common stock [Member]
Significant Accountings Policies [Line Items]
Common Stock, Par Value \| $ / shares		$ 0.0001		$ 0.0001
Class V common stock [Member]
Significant Accountings Policies [Line Items]
Common Stock, Par Value \| $ / shares		$ 0.0001		$ 0.0001
Public and Private Warrants [Member]
Significant Accountings Policies [Line Items]
Computation of diluted net income excluded \| shares		11,444,235	11,444,235
Earnout Shares [Member]
Significant Accountings Policies [Line Items]
Computation of diluted net income excluded \| shares		49,563	49,563
Members' Usage of Out-of-Network [Member]
Significant Accountings Policies [Line Items]
ATM-related fees		$ 0.7	$ 0.8
Transaction based revenue, net [Member]
Significant Accountings Policies [Line Items]
ATM-related fees		$ 0.6	$ 0.5
Computer Software, Intangible Asset [Member]
Significant Accountings Policies [Line Items]
Finite-lived intangible asset, useful life		3 years

Accrued Expenses and Other Current Liabilities - Summary of Accrued Expenses (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Accrued Liabilities and Other Liabilities [Abstract]
Accrued professional and program fees	$ 8,048	$ 4,696
Accrued compensation	3,280	5,518
Sales tax payable	1,469	1,314
Accrued charitable contributions	0	1,034
Accrued negative account balances	210	141
Other	292	344
Total	$ 13,299	$ 13,047

Stock-Based Compensation - Summary of Restricted Stock Activity (Detail)	3 Months Ended
	Mar. 31, 2026 $ / shares shares
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Balance, Shares \| shares	722,600
Granted, Shares \| shares	156,424
Vested, Shares \| shares	(98,082)
Forfeited, Shares \| shares	(10,650)
Ending Balance, Shares \| shares	770,292
Beginning Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 51.98
Granted, Weighted Average Grant-Date Fair Value \| $ / shares	215.81
Vested, Weighted Average Grant-Date Fair Value \| $ / shares	38.08
Forfeited, Weighted Average Grant-Date Fair Value \| $ / shares	46.73
Ending Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 87.09
Performance-Based Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Balance, Shares \| shares	291,512
Granted, Shares \| shares	316,004
Vested, Shares \| shares	0
Forfeited, Shares \| shares	0
Ending Balance, Shares \| shares	607,516
Beginning Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 68.62
Granted, Weighted Average Grant-Date Fair Value \| $ / shares	229.12
Vested, Weighted Average Grant-Date Fair Value \| $ / shares	0
Forfeited, Weighted Average Grant-Date Fair Value \| $ / shares	0
Ending Balance, Weighted Average Grant-Date Fair Value \| $ / shares	$ 152.11

Commitments and Contingencies

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Note 11 Commitments and Contingencies

From time to time, the Company is subject to various 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 a Complaint 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, the Company 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 stayed the proceedings pending the outcome of the appeal. On April 13, 2026, the Company filed its brief with the Ninth Circuit Court of Appeals.

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. On March 2, 2026, the City of Baltimore filed a motion to remand, which is fully briefed as of April 22, 2026.

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 March 31, 2026, the Company has recorded an aggregate accrual for legal contingencies that are probable and reasonably estimable of $7.9 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.

Significant Accounting Policies (Policies)

3 Months Ended

Mar. 31, 2026

Accounting Policies [Abstract]

Basis of Presentation

These condensed 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 condensed 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 condensed 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 condensed 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 condensed 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 condensed 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 Three Months Ended
	March 31, 2026		March 31, 2025
Service based revenue, net
Processing and overdraft service fees, net	$	133,588	$	83,448
Tips		-		7,496
Subscriptions		13,945		6,817
Other		54		90
Transaction based revenue, net
Interchange revenue, net		6,201		5,885
ATM revenue, net		659		794
Other		3,967		3,449
Total operating revenues, net	$	158,414	$	107,979

Service Based Revenue, Net

Service based revenue, net primarily consists of processing and overdraft service fees, optional tips, 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 Service Fees, Net

Processing and Overdraft Service Fees, Net

Processing and overdraft service fees apply in connection with a Members' 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, for accounting purposes, as direct origination costs. These direct 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 three months ended March 31, 2026 and 2025 were $1.8 million and $1.1 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 Product, net of certain interchange and ATM-related fees, fees earned from funding and withdrawal-related transactions of Members' 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 Members' usage of out-of-network ATMs reduced by related ATM transaction costs during the three months ended March 31, 2026 and 2025 were $0.7 million and $0.8 million, respectively. ATM-related fees recognized as a reduction of transaction based revenue during the three months ended March 31, 2026 and 2025 were $0.6 million and $0.5 million, respectively.

Processing and Servicing Fees

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 Members' 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.

Investments

Investments consist of corporate bonds and notes 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. 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 condensed consolidated statements of comprehensive income. Any related amounts recorded in accumulated other comprehensive income 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 12 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 condensed 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 12 days, ExtraCash receivables outstanding 13 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 condensed consolidated balance sheets as intangible assets, net. Other costs are expensed as incurred and included within other operating expenses in the condensed consolidated statements of operations. Capitalized costs for the three months ended March 31, 2026 and 2025 were $1.5 million and $1.4 million, 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 condensed 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 condensed 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 $134.2 million at March 31, 2026 and $81.4 million at December 31, 2025. 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 investments 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 Evolve Bank & Trust, our primary bank partner, 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 March 31, 2026 and December 31, 2025.

Leases

ASC 842, Leases (“ASC 842”) requires lessees to recognize most leases on the condensed 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 on 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.

Derivative Financial Instruments and Embedded Features

The Company evaluates financial instruments and contracts for embedded features that require separate accounting as derivatives under ASC 815-15. An embedded feature is separated from its host contract and accounted for as a derivative instrument when (i) the economic characteristics and risks of the embedded feature are not clearly and closely related to those of the host contract, (ii) the hybrid instrument is not remeasured at fair value through earnings, and (iii) the embedded feature, if freestanding, would meet the definition of a derivative under ASC 815-10.

Embedded derivatives requiring bifurcation are initially measured at fair value and subsequently remeasured at fair value at each reporting date, with changes in fair value recognized in earnings. The Company evaluates equity-linked contracts, including conversion features and capped call transactions, under ASC 815-40 to determine whether they qualify for the scope exception from derivative accounting. Contracts that are indexed to the Company's own stock and meet the criteria for equity classification are recorded in stockholders' equity at fair value upon issuance and are not remeasured in subsequent periods unless the equity classification criteria cease to be met.

See Note 8, Convertible Notes for further details on the Company's derivative and equity-linked instruments.

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 condensed consolidated statements of operations. The Company recognizes forfeitures as they occur.

Performance-Based Restricted Stock Unit Awards:

The Company grants performance-based RSUs subject to the attainment of defined performance conditions, market conditions, or a combination thereof, and continued employment through specified vesting dates. Performance conditions include specific adjusted EBITDA targets and share price targets, and the actual number of shares earned may range from 0% to 200% of the target shares granted. For awards subject to performance conditions, 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 Company reassesses the probability of vesting at each reporting period and records cumulative adjustments to compensation expense accordingly. For awards subject to a combination of performance and market conditions, such as relative total shareholder return metrics measured against a designated benchmark index, the grant-date fair value is estimated using a Monte Carlo simulation model, and compensation cost is recognized when the Company concludes it is probable that the performance conditions will be satisfied, regardless of whether the market condition is achieved, over the requisite service period, provided that the requisite service has been provided. Grant-date fair values

are not subsequently remeasured. The Company recognizes forfeitures as they occur. These costs are a component of stock-based compensation expense presented within compensation and benefits in the condensed consolidated statements of operations.

Advertising Costs

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 costs for the three months ended March 31, 2026 and 2025, were $12.4 million and $10.3 million, respectively, and are presented within advertising and activation costs in the condensed consolidated statements of operations. Activation costs, which consist primarily of expenses incurred to onboard and activate new users, are also expensed as incurred. Activation costs for the three months ended March 31, 2026 and 2025, were $1.9 million and $1.6 million, respectively, and are presented within advertising and activation costs in the condensed 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 condensed consolidated financial statements or tax returns. Under this method, deferred tax assets and liabilities are based on the differences between the condensed 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.

The effective tax rate used for interim periods is the estimated annual effective tax rate, based on the current estimate of full year results, except that those taxes related to specific discrete events, if any, are recorded in the interim period in which they occur. The annual effective tax rate is based upon several significant estimates and judgments, including the Company's estimated annual pre-tax income in each tax jurisdiction in which it operates, and the development of tax planning strategies during the year. In addition, the Company's tax expense can be impacted by changes in tax rates or laws and other factors that cannot be predicted with certainty. As such, there can be significant volatility in interim tax provisions.

The following table presents the relationship between provision for income taxes and net income before provision for income taxes (in thousands):


	For the Three Months Ended
	March 31, 2026			March 31, 2025
Net income before provision for income taxes	$	70,160		$	33,868
Provision for income taxes	$	(12,224	)	$	(5,056	)
Effective income tax rate		17.4	%		14.9	%

The provision for income tax expense recorded during the three months ended March 31, 2026 and 2025, primarily relates to federal and state taxes on earnings, partially offset by favorable stock-based compensation deductions in both periods.

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 $3.5 million and $3.3 million of uncertain tax positions as of March 31, 2026 and December 31, 2025, 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 condensed consolidated statement of operations. The Company recognized insignificant amounts of interest expense as a component of income tax expense within the condensed consolidated statement of operations during the three months ended March 31, 2026 and 2025. Additionally, income tax-related accrued interest was insignificant as of March 31, 2026 and December 31, 2025.

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 18 Segment Information in the accompanying notes to the condensed consolidated financial statements for further details.

Net Income Per Share Attributable to Stockholders

The Company computes net income per share utilizing the two-class method for participating securities. The rights, including the liquidation and dividend rights, of the holders of the 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"), are identical, except with respect to voting (the Class V Common Stock and together with the Class A Common Stock, the “Common Stock”). The Convertible Notes are considered participating securities as the holders of the Convertible Notes participate in cash dividends, if such cash dividends per share exceed the Company's last reported stock price. The undistributed earnings are allocated between Common Stock and participating securities as if all earnings had been distributed during the period presented, if the condition on which participation is satisfied as of the reporting date.

Basic net income attributable to holders of Common Stock per share is calculated by dividing net income attributable to holders of Common Stock by the weighted-average number of shares outstanding.

The Company applies the if-converted method prescribed by ASU 2020-06 to determine the dilutive effect, if any, of the 2031 Notes on diluted earnings per share, and does so regardless of whether the contingent conversion triggers described in Note 8, Convertible Notes, have been met.

Because the 2031 Notes are non-interest bearing, no interest expense is added back to the numerator. Because the principal amount is required to be settled in cash in all circumstances, with only the conversion value in excess of the principal (the "conversion premium") settleable in cash, shares, or a combination at the Company's election, the denominator is increased only by the incremental shares necessary to settle the conversion premium, determined using the average market price of the Company's Class A common stock during the period. Applied to an instrument with a cash-settled principal and net-share-settled premium, the if-converted method produces a dilutive effect substantially consistent with the result that would be obtained under the treasury stock method.

For the three months ended March 31, 2026, the average market price per share of the Company's Class A common stock did not exceed the initial conversion price per share. Accordingly, the conversion premium was zero and no incremental shares related to the 2031 Notes were included in the diluted earnings per share computation. The maximum number of shares issuable upon conversion of the 2031 Notes, including potential adjustments under the make-whole fundamental change provisions, is reflected in the table of potentially dilutive securities excluded from the diluted EPS computation above.

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Numerator
Net income attributed to common stockholders—basic and diluted	$	57,936	$	28,812

Denominator
Weighted-average shares of common stock—basic		13,434,862		13,126,286
Dilutive effect of stock options		183,717		415,521
Dilutive effect of RSU		781,056		1,104,719
Weighted-average shares of common stock—diluted		14,399,635		14,646,526

Net income per share
Basic	$	4.31	$	2.19
Diluted	$	4.02	$	1.97

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Equity incentive awards		565,329		225,876
Convertible notes¹		716,500		-
Capped call²		716,500		-
Total		1,998,329		225,876

¹ Represents the base conversion of shares issuable upon conversion of the 2031 Notes, subject to potential conversion rate adjustments under the make-whole fundamental change provisions. Based on the initial conversion rate of 3.5825 shares per $1,000 principal amount, the base conversion would result in approximately 716,500 shares issuable. See Note 8, Convertible Notes.

² Represents the shares of Class A common stock underlying the Capped Call Transactions. Those shares are intended to offset the dilutive impact of Convertible Notes when Dave's stock price remains below the cap price of $421.34. See Note 8, Convertible Notes and Note 14, Stockholders' Equity.

In addition to the amounts in the table above, the Company excluded 11,444,235 public and private warrants and 49,563 earnout shares that were potentially dilutive from the computation of diluted net income for the three months ended March 31, 2026 and 2025, as including them would have been antidilutive. In connection with the 1-for-32 reverse stock split effected on January 4, 2023, 32 warrants are exercisable for one share of Class A Common Stock. Refer to Note 9 Warrant Liabilities and Note 13 Fair Value of Financial Instruments for further details.

Capped Call Transactions

The Capped Call Transactions are expected to reduce the potential economic dilution to the Company's Class A common stock upon conversion of the 2031 Notes when the market price of the Company's Class A common stock is between the initial conversion price of approximately $279.13 per share and the cap price of $421.34 per share. However, because the Capped Call Transactions are purchased call options held by the Company on its own stock, their inclusion in the calculation of diluted earnings per share would be antidilutive until the per share price exceeds the cap price and, accordingly, they are excluded from the computation. As a result, the reported diluted earnings per share does not reflect the anti-dilutive economic effect of the Capped Call Transactions.

Convertible Notes

The Company applies the if-converted method to calculate the potential dilutive effect of the 2031 Notes on diluted earnings per share. Because the 2031 Notes are non-interest bearing and the principal amount must be settled in cash upon conversion, no interest expense is added back to the numerator. Only the conversion premium (the excess of conversion value over the principal amount) is reflected in the denominator, calculated based on the incremental shares needed to settle the premium using the average market price of the Company's Class A common stock during the period.

The Company considers the potential dilutive effect of the 2031 Notes in its diluted earnings per share calculation regardless of whether the contingent market price conversion triggers have been met, as the 2031 Notes are contingently convertible instruments with a market price trigger.

For the three months ended March 31, 2026, the average market price of the Company's Class A common stock during the period the 2031 Notes did not exceed the initial conversion price. As a result, the conversion premium was zero and no incremental shares related to the 2031 Notes were included in the diluted earnings per share calculation for the period. The maximum number of shares potentially issuable upon conversion of the 2031 Notes, including potential adjustments under the make-whole fundamental change provisions, is reflected in the table of potentially dilutive securities excluded from the diluted EPS computation above.

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 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 November 2024, the FASB issued ASU 2024-04, Debt—Debt with Conversion and Other Options (Subtopic 470-20): Induced Conversions of Convertible Debt Instruments, which clarifies the requirements for determining whether certain settlements of convertible debt instruments should be accounted for as induced conversions rather than extinguishments. The amendments are effective for fiscal years beginning after December 15, 2025, including interim periods within those fiscal years, and may be applied on either a prospective or retrospective basis, with early adoption permitted. The Company adopted ASU 2024-04 effective January 1, 2026 on a prospective basis. The adoption of this guidance did not have an impact on the Company's consolidated financial position, results of operations, or cash flows, as no conversions or settlements of the 2031 Notes occurred during the three months ended March 31, 2026.

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 permitting entities to assume that current economic conditions at the balance sheet date will remain unchanged over the remaining life of current accounts receivable and current contract assets arising from revenue transactions within the scope of ASC 606. The Company adopted ASU 2025-05 effective January 1, 2026 on a prospective basis and elected the practical expedient. 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. The adoption of this guidance did not have a material impact on the Company's consolidated financial position, results of operations, or cash flows.

Related-Party Transactions - Summary of Future Minimum Rental Payments (Detail) - PCJW Properties LLC [Member] $ in Thousands	Mar. 31, 2026 USD ($)
Related Party Lessee Operating Lease Liability Maturity [Line Items]
2026	$ 304
2027	83
2028	71
Total minimum lease payments	458
Less: imputed interest	(33)
Total lease liabilities	$ 425

Treasury Shares - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Millions		1 Months Ended	3 Months Ended
	Mar. 09, 2026	Mar. 31, 2026	Mar. 31, 2026	Mar. 31, 2025	Feb. 27, 2026	Aug. 31, 2025
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, number of shares repurchased	334,600	578,022
Shares Acquired, Average Cost Per Share	$ 210.67
Treasury Stock, Value, Acquired, Cost Method	$ 70.5	$ 116.2	$ 186.7	$ 43.7
Stock repurchase program aggregate purchase price	$ 70.5	$ 116.2	$ 186.7	$ 43.7
Treasury shares reissued			0
Treasury Stock, Shares, Acquired	334,600	578,022
Stock repurchase program, remaining available under Repurchase Plans		$ 113.3	$ 113.3
Class A common stock [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, number of shares repurchased			912,622	274,490
Treasury Stock, Shares, Acquired			912,622	274,490
Stock repurchase program, remaining available under Repurchase Plans					$ 113.3	$ 125.0
Maximum [Member] \| Class A common stock [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, number of shares authorized					$ 300.0

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Current assets:
Cash and cash equivalents	$ 133,327	$ 80,523
ExtraCash receivables, net of allowance for credit losses of $38,033 and $37,641 as of March 31, 2026 and December 31, 2025, respectively	279,144	297,307
Investments	42,604	40,788
Prepaid expenses and other current assets	24,551	18,078
Total current assets	479,626	436,696
Property and equipment, net	429	474
Lease right-of-use assets (related-party of $416 and $195 as of March 31, 2026 and December 31, 2025, respectively)	416	195
Intangible assets, net	13,693	13,670
Restricted cash	1,841	1,841
Deferred tax assets, net	34,163	34,185
Other non-current assets	361	357
Total assets	530,529	487,418
Current liabilities:
Accounts payable	6,733	8,358
Accrued expenses	13,299	13,047
Debt facility, current	75,000	75,000
Lease liabilities, short-term (related-party of $301 and $63 as of March 31, 2026 and December 31, 2025, respectively)	301	63
Legal settlement accrual	7,886	7,838
Income taxes payable	11,757	1,651
Other current liabilities	9,367	8,040
Total current liabilities	124,343	113,997
Lease liabilities, long-term (related-party of $124 and $141 as of March 31, 2026 and December 31, 2025, respectively)	124	141
Convertible notes, net of discount and issuance costs	192,781	0
Warrant and earnout liabilities	4,577	16,077
Other non-current liabilities	4,923	4,476
Total liabilities	326,748	134,691
Commitments and contingencies (Note 11)
Stockholders' equity:
Preferred stock, par value per share $0.0001, 10,000,000 shares authorized; 0 shares issued and outstanding at March 31, 2026 and December 31, 2025	0	0
Additional paid-in capital	334,295	352,664
Treasury shares, at cost (Class A common stock, 1,187,112 and 274,490 shares at March 31, 2026 and December 31, 2025, respectively)	(232,165)	(43,730)
Accumulated other comprehensive income	296	374
Retained earnings	101,354	43,418
Total stockholders' equity	203,781	352,727
Total liabilities, and stockholders' equity	530,529	487,418
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

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

ExtraCash Receivables, Net

Note 5 ExtraCash Receivables, Net

ExtraCash receivables, net, represent outstanding ExtraCash originations, processing fees, tips and overdraft service fees, less an allowance for credit losses.

Below is a detail of ExtraCash receivables, net as of March 31, 2026 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	210,249	$	(2,998	)	$	207,251
11-30		74,119		(11,573	)		62,546
31-60		13,504		(8,261	)		5,243
61-90		9,574		(7,210	)		2,364
91-120		9,731		(7,991	)		1,740
Total	$	317,177	$	(38,033	)	$	279,144

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

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


Opening allowance balance at January 1, 2026	$	37,641
Plus: provision for credit losses		26,586
Plus: amounts recovered		5,226
Less: amounts written-off		(31,420	)
Ending allowance balance at March 31, 2026	$	38,033

Opening allowance balance at January 1, 2025	$	22,703
Plus: provision for credit losses		10,603
Plus: amounts recovered		3,707
Less: amounts written-off		(16,938	)
Ending allowance balance at March 31, 2025	$	20,075

The provision for credit losses for the three months ended March 31, 2026 increased compared to the three months ended March 31, 2025, primarily due to ExtraCash origination volume growth to approximately $2.1 billion from $1.5 billion, driven by strong Member demand and platform expansion. Credit performance during the period remained steady and consistent with expectations given portfolio maturation, growth dynamics, and the Company's strategic emphasis on gross profit optimization.

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2026	Apr. 20, 2026
Document Information [Line Items]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2026
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
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 at an exercise price of $368
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		11,400,165
Class V common stock [Member]
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		1,314,082

Intangible Assets, Net - Summary of Intangible Assets (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Value	$ 33,816	$ 32,465
Accumulated Amortization	(20,123)	(18,795)
Net Book Value	$ 13,693	13,670
Internally developed software [Member]
Finite-Lived Intangible Assets [Line Items]
Weighted Average Useful Lives	3 years
Gross Carrying Value	$ 33,695	32,344
Accumulated Amortization	(20,050)	(18,724)
Net Book Value	$ 13,645	13,620
Domain name [Member]
Finite-Lived Intangible Assets [Line Items]
Weighted Average Useful Lives	15 years
Gross Carrying Value	$ 121	121
Accumulated Amortization	(73)	(71)
Net Book Value	$ 48	$ 50

- 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

Convertible Notes - Summary of Capped Call Transactions (Detail) $ in Thousands	Mar. 31, 2026 USD ($)
Allocated to 2031 Notes
Debt Instrument [Line Items]
Total issuance costs incurred	$ 745
Less: accumulated amortization through March 31, 2026	(9)
Unamortized issuance costs, March 31, 2026	736
Allocated to Capped Call
Debt Instrument [Line Items]
Total issuance costs incurred	64
Less: accumulated amortization through March 31, 2026	0
Unamortized issuance costs, March 31, 2026	$ 64

- 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

Significant Accounting Policies - Summary of Computation of Diluted Net Income Per Share (Detail) - shares

3 Months Ended

Mar. 31, 2026

Mar. 31, 2025

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Total

1,998,329

225,876

Equity incentive awards

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Total

565,329

225,876

Convertible notes

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Total

^[1]

716,500

Capped call

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Total

^[2]

716,500

[1]	Represents the base conversion of shares issuable upon conversion of the 2031 Notes, subject to potential conversion rate adjustments under the make-whole fundamental change provisions. Based on the initial conversion rate of 3.5825 shares per $1,000 principal amount, the base conversion would result in approximately 716,500 shares issuable. See Note 8, Convertible Notes.
[2]	Represents the shares of Class A common stock underlying the Capped Call Transactions. Those shares are intended to offset the dilutive impact of Convertible Notes when Dave's stock price remains below the cap price of $421.34. See Note 8, Convertible Notes and Note 14, Stockholders' Equity.

Related-Party Transactions - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Mitchell Sandler LLC,
Related Party Transaction [Line Items]
Legal service charges	$ 0.1	$ 0.2
PCJW Properties LLC [Member] \| Leasing Arrangements [Member]
Related Party Transaction [Line Items]
Operating lease expense	0.1	0.1
Victory Park Management, LLC \| Senior Secured Loan Facility \| Closing of Business Combination [Member]
Related Party Transaction [Line Items]
Interest expense	$ 1.7	$ 1.8

401(k) Savings Plan

3 Months Ended

Mar. 31, 2026

Retirement Benefits [Abstract]

401(k) Savings Plan

Note 17 401(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 $0.7 million and $0.6 million for the three months ended March 31, 2026 and 2025, respectively.

Investments - Summary of Investments (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-Sale [Line Items]
Cost	$ 42,258	$ 40,364
Gross Unrealized Gains	346	424
Gross Unrealized Losses	0	0
Fair Value	42,604	40,788
Government securities [Member]
Debt Securities, Available-for-Sale [Line Items]
Cost	42,258	40,364
Gross Unrealized Gains	346	424
Gross Unrealized Losses	0	0
Fair Value	$ 42,604	$ 40,788

- 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

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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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

Related-Party Transactions (Tables)

3 Months Ended

Mar. 31, 2026

Summary of future minimum rental payments

The following is a schedule of future minimum rental payments as of March 31, 2026 under Company’s sublease for the properties located in Los Angeles, California, signed with PCJW (in thousands):


Year	Related-Party Commitment
2026	$	304
2027		83
2028		71
Total minimum lease payments	$	458
Less: imputed interest	$	(33	)
Total lease liabilities	$	425

Subsequent Events

3 Months Ended

Mar. 31, 2026

Subsequent Events [Abstract]

Subsequent Events

Note 20 Subsequent Events

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

The Company evaluated events and transactions occurring subsequent to March 31, 2026 through the date the condensed consolidated financial statements were filed with the SEC. Based on this review, management determined that no subsequent events occurred that require adjustment to or disclosure in these condensed consolidated financial statements.

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Operating activities
Net Income (Loss)	$ 57,936	$ 28,812
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,624	1,537
Provision for credit losses	26,586	10,603
Changes in fair value of earnout liabilities	(3,190)	(398)
Changes in fair value of public and private warrant liabilities	(8,309)	352
Stock-based compensation	85	0
Non-cash interest expense from the convertible notes	7,102	7,517
Deferred income taxes	22	0
Non-cash lease expense	0	(11)
Changes in fair value of marketable securities and investments	0	59
Changes in operating assets and liabilities:
ExtraCash receivables, service based revenue	(1,739)	(3,324)
Prepaid expenses and other current assets	(6,514)	96
Accounts payable	(1,639)	(466)
Accrued expenses	(151)	(4,450)
Income taxes payable	10,106	4,682
Legal settlement accrual	48	54
Other current liabilities	(384)	(125)
Other non-current liabilities	447	313
Other non-current assets	(4)	(4)
Net cash provided by operating activities	82,026	45,247
Investing activities
Payments for internally developed software costs	(1,542)	(1,370)
Purchase of property and equipment	(19)	(37)
Net originations, purchases and collections of ExtraCash receivables	(6,684)	(26,094)
Purchase of investments	(25,961)	(37,855)
Sale and maturity of investments	24,067	37,300
Purchase of marketable securities	0	(1)
Net cash used in investing activities	(10,139)	(28,057)
Financing activities
Repurchases of Class A common stock	(186,724)	(6,891)
Proceeds from issuance of common stock for stock option exercises	63	304
Proceeds from issuance of convertible notes, net	193,079	0
Purchase of capped calls	(17,331)	0
Payment of taxes for shares withheld related to net share settlement	(8,170)	(13,319)
Net cash used in financing activities	(19,083)	(19,906)
Net increase (decrease) in cash and cash equivalents and restricted cash	52,804	(2,716)
Cash and cash equivalents and restricted cash, beginning of the period	82,364	51,377
Cash and cash equivalents and restricted cash, end of the period	135,168	48,661
Supplemental disclosure of non-cash investing and financing activities:
Property and equipment purchases in accounts payable and accrued liabilities	0	20
Operating lease right of use assets recognized	311	0
Operating lease liabilities recognized	311	0
Convertible notes and capped call issuance costs in accounts payable and accrued liabilities	417	0
Accrued excise taxes for repurchases of Class A common stock	1,711	69
Supplemental disclosure of cash paid (received) for:
Income taxes	1,518	(33)
Interest	1,610	1,733
The following table provides a reconciliation of cash and cash equivalents, and restricted cash reported within the condensed consolidated balance sheets with the same as shown in the condensed consolidated statement of cash flows
Cash and cash equivalents	133,327	47,002
Restricted cash	1,841	1,659
Total cash, cash equivalents, and restricted cash, end of the period	$ 135,168	$ 48,661

Intangible Assets, Net - Summary of Estimated Amortization Expense (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Finite-Lived Intangible Assets [Line Items]
Net Book Value	$ 13,693	$ 13,670
IDS [Member]
Finite-Lived Intangible Assets [Line Items]
2026 (remaining)	3,728
2027	4,974
2028	3,019
2029	1,921
Thereafter	3
Net Book Value	13,645	13,620
Domain [Member]
Finite-Lived Intangible Assets [Line Items]
2026 (remaining)	6
2027	8
2028	8
2029	8
Thereafter	18
Net Book Value	$ 48	$ 50

- 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

Intangible Assets, Net

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Intangible Assets, Net

Note 6 Intangible Assets, Net

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


		March 31, 2026							December 31, 2025
	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	$	33,695	$	(20,050	)	$	13,645	$	32,344	$	(18,724	)	$	13,620
Domain name	15.0 Years		121		(73	)		48		121		(71	)		50
Intangible assets, net		$	33,816	$	(20,123	)	$	13,693	$	32,465	$	(18,795	)	$	13,670

The future estimated amortization expense as of March 31, 2026, were as follows (in thousands):


	IDS		Domain
2026 (remaining)	$	3,728	$	6
2027		4,974		8
2028		3,019		8
2029		1,921		8
Thereafter		3		18
Total future amortization	$	13,645	$	48

Amortization expense for the three months ended March 31, 2026 and March 31, 2025 was $1.52 million and $1.4 million, respectively. No significant impairment charges were recognized related to long-lived assets for the three months ended March 31, 2026 and 2025.

Fair Value of Financial Instruments

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

Note 13 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 March 31, 2026 and December 31, 2025, 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):


March 31, 2026	Level 1		Level 2		Level 3		Total
Assets
Investments		42,604				-		42,604
Total assets	$	42,604	$	—	$	—	$	42,604
Liabilities
Warrant liabilities - public warrants	$	1,903	$	—	$	—	$	1,903
Warrant liabilities - private warrants		—		—		1,583		1,583
Earnout liabilities		—		—		1,091		1,091
Total liabilities	$	1,903	$	—	$	2,674	$	4,577

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

The Company had no assets or liabilities measured at fair value on a non-recurring basis as of March 31, 2026 and December 31, 2025.

The Company also has financial instruments not measured at fair value on a recurring basis. 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 fair value due to the short-term nature of these balances. The fair value of the debt facility (Level 2) and the 2031 Notes (Level 2) approximates their respective carrying values. See Note 8 for further information on the 2031 Notes.

Investments:

The following describes the valuation techniques used by the Company to measure the fair value of investments held as of March 31, 2026 and 2025.

U.S. Government Securities

The fair value of U.S. government securities is estimated by independent pricing services who use computerized valuation formulas to calculate current values. U.S. government securities are categorized in Level 1 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.

Public Warrants:

As discussed further in Note 9, 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 the three months ended March 31, 2026 and 2025 were $4.3 million and ($0.2) million, respectively, which is presented within changes in fair value of public warrant liability in the condensed consolidated statements of operations.

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


Opening value at January 1, 2025	$	1,016
Change in fair value during the period		5,201
Ending value at December 31, 2025		6,217
Change in fair value during the period		(4,314	)
Ending value at March 31, 2026	$	1,903

Private Warrants:

As discussed further in Note 9, 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 condensed 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 the three months ended March 31, 2026 and 2025 were $4.0 million and ($0.2) million, respectively, which is presented within changes in fair value of private warrant liabilities in the condensed consolidated statements of operations.

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


Opening value at January 1, 2025	$	916
Change in fair value during the period		4,663
Ending value at December 31, 2025		5,579
Change in fair value during the period		(3,996	)
Ending value at March 31, 2026	$	1,583

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 three months ended March 31, 2026:


Exercise price	$	368
Expected volatility		72.34	%
Risk-free interest rate		3.70	%
Remaining term		0.76
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 related to the change in fair value of the Founder Holder Earnout Shares liabilities for the three months ended March 31, 2026 and 2025 were $3.2 million and

$0.4 million, respectively, which are presented within changes in fair value of earnout liabilities in the condensed 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, 2025	$	996
Change in fair value during the period		3,285
Ending value at December 31, 2025		4,281
Change in fair value during the period		(3,190	)
Ending value at March 31, 2026	$	1,091

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 three months ended March 31, 2026:


Exercise price	$400-$480
Expected volatility		64.9	%
Risk-free interest rate		3.70	%
Remaining term		0.77
Dividend yield		0	%

Convertible Notes

The 2031 Notes are carried at amortized cost, net of unamortized debt discount and issuance costs, and are not remeasured at fair value on a recurring basis. The 2031 Notes were issued on March 9, 2026 in a private offering to qualified institutional buyers under Rule 144A. The Company has determined that the net carrying amount of $192.8 million approximates fair value as of March 31, 2026. The fair value of the 2031 Notes is classified within Level 2 of the fair value hierarchy based on observable market data, including over-the-counter trade prices and dealer quotes.

As of December 31, 2025, the Company did not have any convertible notes outstanding.

There were no other assets or liabilities that were required to be measured at fair value on a recurring basis as of March 31, 2026 and December 31, 2025.

- 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

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-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

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

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-Topic 820
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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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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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Warrant Liabilities - Additional Information (Detail) $ / shares in Units, $ in Millions			3 Months Ended
	Jan. 04, 2023 shares	Nov. 30, 2021 USD ($) $ / shares	Mar. 31, 2026 $ / shares shares
Subsidiary or Equity Method Investee [Line Items]
Reverse stock split, description	1-for-32 reverse stock split effected on January 4, 2023
Reverse stock split, conversion ratio	0.3125
Number of warrants exercisable per common stock \| shares	32
Fair value of the warrants at the issuance date \| $		$ 0.1
Amended Senior Secured Loan Facility [Member] \| Victory Park Management, LLC [Member]
Subsidiary or Equity Method Investee [Line Items]
Proceeds from lines of credit \| $		$ 10.0
Percentage right to acquire a number of common shares on fully diluted equity		0.20%
Proceeds from issuance of equity \| $		$ 40.0
Percentage of fair market value of each share of common stock		80.00%
Fair market value of each share of common stock per share		$ 120.0656
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
Warrant Liability Related To Debt Facility [Member]
Subsidiary or Equity Method Investee [Line Items]
Class of warrants or rights excercised during the period units \| shares			1,664,394
Stock issued during the period exercise of warrants \| shares			14,087
After The Completion Of A Business Combination Or Earlier If Redeemed Or Upon Liquidation [Member]
Subsidiary or Equity Method Investee [Line Items]
Reverse stock split, description			1-for-32 reverse stock split effected on January 4, 2023
Reverse stock split, conversion ratio			0.3125
Class of warrants or rights term			5 years
After The Completion Of A Business Combination Or Earlier If Redeemed Or Upon Liquidation [Member] \| Public Warrants [Member]
Subsidiary or Equity Method Investee [Line Items]
Exercise price			$ 11.5
After The Completion Of A Business Combination Or Earlier If Redeemed Or Upon Liquidation [Member] \| Private Warrants [Member]
Subsidiary or Equity Method Investee [Line Items]
Exercise price			368
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
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 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

Accrued Expenses and Other Current Liabilities (Tables)

3 Months Ended

Mar. 31, 2026

Accrued Liabilities and Other Liabilities [Abstract]

Summary of Accrued Expenses

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


	March 31, 2026		December 31, 2025
Accrued professional and program fees	$	8,048	$	4,696
Accrued compensation		3,280		5,518
Sales taxes payable		1,469		1,314
Accrued charitable contributions		-		1,034
Accrued negative account balances		210		141
Other		292		344
Total	$	13,299	$	13,047

Summary of Other Current Liabilities

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


	March 31, 2026		December 31, 2025
Forward commitment liability	$	3,244	$	3,617
Deferred transaction costs		3,150		3,150
Unearned revenue		604		606
Other		2,369		667
Total	$	9,367	$	8,040

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Convertible Notes - Schedule of Carrying Amount of 2031 Notes (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Debt Instrument [Line Items]
Principal Amount	$ 200,000
Unamortized Debt Discount and Issuance Costs	(7,219)
Net Carrying Amount	192,781	$ 0
0% Convertible Senior Notes due April 1, 2031
Debt Instrument [Line Items]
Principal Amount	200,000
Unamortized Debt Discount and Issuance Costs	(7,219)
Net Carrying Amount	$ 192,781
Effective interest rate	0.00%
Maturity date	Apr. 01, 2031

- 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 unamortized debt discount (premium) and debt issuance costs.

+ References + Details

Convertible Notes

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Convertible Notes

Note 8 Convertible Notes

On March 9, 2026, the Company completed a private offering of $200.0 million aggregate principal amount of its 0% Convertible Senior Notes due 2031 (the “2031 Notes”) pursuant to Rule 144A under the Securities Act of 1933, as amended. The 2031 Notes include $25.0 million in aggregate principal amount issued pursuant to the full exercise of the initial purchasers’ option to purchase additional notes. The 2031 Notes are general unsecured, senior obligations of the Company and do not bear regular interest. The 2031 Notes will mature on April 1, 2031, unless earlier repurchased, redeemed, or converted.

The net proceeds from the offering were approximately $193.4 million, after deducting initial purchasers’ discounts and before deducting offering expenses. The Company used approximately $17.3 million of the net proceeds to fund the cost of the Capped Call Transactions described below, approximately $70.5 million to repurchase 334,600 shares of the Company’s Class A common stock in privately negotiated transactions effected through J.P. Morgan Securities LLC as agent, and the remaining net proceeds are expected to be used for general corporate purposes, including additional share repurchases under the Company’s share repurchase program.

Conversion Rights

The 2031 Notes are convertible into shares of the Company’s Class A common stock based on an initial conversion rate of 3.5825 shares per $1,000 principal amount of notes (equivalent to an initial conversion price of approximately $279.13 per share), subject to adjustment upon the occurrence of certain events. Holders may convert their 2031 Notes at their option prior to the close of business on the business day immediately preceding January 1, 2031, only under the following circumstances:

•

during any calendar quarter commencing after the calendar quarter ending on June 30, 2026, if the last reported sale price of the Company’s Class A common stock exceeds 130% of the conversion price for at least 20 trading days during the 30 consecutive trading day period ending on and including the last trading day of the immediately preceding calendar quarter (the “Sale Price Condition”);

•

during the five business day period after any ten consecutive trading day measurement period in which the trading price per $1,000 principal amount of notes for each trading day of the measurement period was less than 98% of the product of the last reported sale price per share and the conversion rate on each such trading day (the “Trading Price Condition”);

•

if the Company calls any or all of the notes for redemption, with respect to the notes called for redemption, at any time prior to the close of business on the second scheduled trading day immediately preceding the redemption date; or

•

upon the occurrence of certain corporate events described in the indenture governing the 2031 Notes.

On or after January 1, 2031, holders may convert at any time until the close of business on the second scheduled trading day immediately preceding the maturity date.

Make-Whole Fundamental Change

The conversion rate may be increased for holders converting in connection with certain circumstances described in the indenture.

Settlement upon Conversion

Upon conversion, the Company will pay cash up to the aggregate principal amount of the notes being converted and pay or deliver, as applicable, cash, shares of the Company’s Class A common stock, or a combination thereof, at the Company’s election, in respect of the remainder, if any, of the conversion obligation in excess of the aggregate principal amount. The conversion value in excess of the

principal amount will be calculated based on the sum of the daily volume-weighted average prices during a 40 consecutive VWAP trading day observation period.

Optional Redemption

The Company may redeem the 2031 Notes, in whole or in part, for cash on or after April 6, 2029 and prior to the 41st scheduled trading day immediately preceding the maturity date, at a cash redemption price equal to 100% of the principal amount plus any accrued and unpaid interest, if (i) certain liquidity conditions are satisfied and (ii) the last reported sale price per share has been at least 130% of the then-effective conversion price for at least 20 trading days during any 30 consecutive trading day period, including the trading day immediately preceding the date the Company provides the redemption notice.

Special Interest

The 2031 Notes do not bear regular interest. Special interest may accrue from time to time in certain circumstances as described in the indenture.

In accordance with ASC 470-20, as amended by ASU 2020-06, the Company accounts for the 2031 Notes as a single liability measured at amortized cost. No separate equity component was recognized. The embedded conversion feature was not bifurcated because it met the scope exception under ASC 815-10-15-74(a) as indexed to the Company’s own stock and equity-classified under ASC 815-40. The embedded special interest feature, while meeting the definition of a derivative requiring bifurcation, was assigned an insignificant fair value at inception due to the remote likelihood of the triggering event, and the Company will reassess the fair value at each reporting date.

The 2031 Notes were issued on March 9, 2026 in a private offering to qualified institutional buyers under Rule 144A. The Company has determined that the net carrying amount approximates fair value as of March 31, 2026. The fair value of the 2031 Notes is classified within Level 2 of the fair value hierarchy based on observable market data, including over-the-counter trade prices and dealer quotes. The Company did not elect the fair value option under ASC 825 for the 2031 Notes.

As of March 31, 2026, none of the conditions permitting early conversion of the 2031 Notes had been met. The Sale Price Condition cannot first be evaluated until after the calendar quarter ending June 30, 2026. Accordingly, the 2031 Notes were classified as long-term debt.

The effective interest rate on the 2031 Notes is approximately 0.74%, reflecting the amortization of the initial purchasers' discount of $6.6 million and third-party debt issuance costs of approximately $0.7 million allocated to the notes using the relative fair value method. Because the 2031 Notes do not bear regular interest, interest expense recognized during the period consists entirely of the non-cash amortization of debt discount and issuance costs using the effective interest method over the term of the notes through maturity on April 1, 2031.

The carrying amount of the 2031 Notes as of March 31, 2026, were as follows (in thousands):


	Principal Amount		Unamortized Debt Discount and Issuance Costs			Net Carrying Amount
0% Convertible Senior Notes due April 1, 2031	$	200,000	$	(7,219	)	$	192,781
Total	$	200,000	$	(7,219	)	$	192,781

Capped Call Transactions

In connection with the pricing of the 2031 Notes on March 4, 2026, and in connection with the exercise of the initial purchasers’ option to purchase additional notes on March 5, 2026, the Company entered into privately negotiated capped call transactions (the "Capped Call Transactions") with four financial institutions at a total cost of approximately $17.3 million, consisting of $15.1 million for the base capped call and $2.2 million for the additional capped call. The Capped Call Transactions cover, subject to anti-dilution adjustments substantially similar to those applicable to the 2031 Notes, approximately 716,500 shares of the Company's Class A common stock (representing 800,000 options, each with an initial option entitlement of 0.895625 shares), which corresponds to the number of shares initially underlying the 2031 Notes.

The Capped Call Transactions have an initial strike price of approximately $279.13 per share (corresponding to the initial conversion price of the 2031 Notes) and an initial cap price of $421.34 per share, in each case subject to certain adjustments. The Capped Call Transactions are expected to reduce the potential economic dilution to the Company’s Class A common stock upon any conversion of

the 2031 Notes and/or offset any cash payments the Company is required to make in excess of the principal amount, with such reduction and/or offset subject to the cap price. The Capped Call Transactions expire on April 1, 2031.

The Capped Call Transactions are separate transactions entered into by the Company with each of the option counterparties and are not part of the terms of the 2031 Notes. Holders of the 2031 Notes do not have any rights with respect to the Capped Call Transactions. The Company determined that the Capped Call Transactions meet the criteria for equity classification under ASC 815-40 as they are (i) indexed to the Company’s own stock under the two-step indexation analysis in ASC 815-40-15 and (ii) meet the equity classification conditions in ASC 815-40-25. Accordingly, the Capped Call Transactions were recorded as a reduction to additional paid-in capital and are not remeasured on a recurring basis.

The issuance costs allocated between the 2031 Notes and the Capped Call Transactions as of March 31, 2026, were as follows (in thousands):


	Allocated to 2031 Notes			Allocated to Capped Call
Total issuance costs incurred	$	745		$	64
Less: accumulated amortization through March 31, 2026		(9	)		-
Unamortized issuance costs, March 31, 2026	$	736		$	64

Issuance costs were allocated between the 2031 Notes and the Capped Call Transactions based on the relative fair value method. Issuance costs allocated to the 2031 Notes are presented as a direct deduction from the carrying amount of the notes and amortized as interest expense using the effective interest method. Issuance costs allocated to the Capped Call Transactions are recorded as a reduction to additional paid-in capital.

Debt Facility

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Debt Facility

Note 10 Debt Facility

In January 2021, Dave OD Funding I, LLC (“Borrower”) entered into a delayed draw senior secured loan facility (the “Debt Facility”) with Victory Park Management, LLC (“Agent”), and allowed the Borrower to draw up to $100 million from the Lenders. The Debt Facility had an interest rate of 6.95% annually plus a base rate defined as the greater of the three-month London interbank offered rate ("LIBOR") as of the last business day of each calendar month and 2.55%. Interest is payable monthly in arrears. The Debt Facility contained certain financial covenants, including a requirement to maintain a minimum cash, cash equivalents, or marketable securities balance of $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 the Fourth Amendment to the Debt Facility with the existing Lenders to expand the Company's borrowing capacity. The amendment also updates interest rates to the sum of the base rate plus 5.00% per annum on the aggregate outstanding principal balance and updates prepayment premiums for early or voluntary principal repayments, among other administrative terms. The Fourth Amendment was accounted for as a debt modification and, accordingly, the Company incurred $0.03 million in associated costs which will be recognized within the consolidated statement of operations evenly through maturity date 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 debt 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 March 31, 2026 and December 31, 2025, the Company had $75.0 million outstanding under the Debt Facility and had made no principal repayments. As of March 31, 2026, 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
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-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
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-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
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
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-Name Accounting Standards Codification
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
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-Paragraph 1
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
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-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
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-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1B
-Subparagraph (h)
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Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/470/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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-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
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-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (c)
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

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

+ Details

Stockholders' Equity

3 Months Ended

Mar. 31, 2026

Stockholders' Equity Note [Abstract]

Stockholders' Equity

Note 14 Stockholders’ Equity

Preferred Stock

As of March 31, 2026, no shares of preferred stock were outstanding.

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 is 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 is 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. Shares of 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 March 31, 2026, the Company had 12,636,398 and 1,314,082 shares of Class A Common Stock and Class V Common Stock issued, respectively. As of March 31, 2026, the Company had 11,399,723 and 1,314,082 shares of Class A Common Stock and Class V Common Stock outstanding, respectively.

Net Share Settlement of RSU Tax Withholding

The Company’s 2021 Equity Incentive Plan (the “2021 Plan”) expressly authorizes share withholding (net settlement) to satisfy tax obligations related to equity awards. In a net share settlement, the Company withholds a portion of the shares that would otherwise be delivered to the employee upon vesting, in an amount sufficient to cover the employee’s minimum statutory tax withholding requirements, and remits the equivalent value in cash to the tax authorities.

During the quarter ended March 31, 2026, the Company satisfied employee tax withholding obligations upon the vesting of restricted stock units using a net share settlement method. Accordingly, the Company used approximately $8.2 million in cash during the quarter to fund these tax payments on the employees’ behalf, which resulted in 38,850 shares not issued to employees.

During the quarter ended March 31, 2025, the Company satisfied employee tax withholding obligations upon the vesting of restricted stock units using a net share settlement method. Accordingly, the Company used approximately $13.3 million in cash during the quarter to fund these tax payments on the employees’ behalf, which resulted in 132,312 shares not issued to employees.

Capped Call Transactions

In connection with the pricing of the 2031 Notes on March 4, 2026, and in connection with the exercise of the initial purchasers’ option to purchase additional notes on March 5, 2026, the Company entered into privately negotiated capped call transactions (the "Capped Call Transactions") with four financial institution counterparties. The Capped Call Transactions cover, subject to anti-dilution adjustments substantially similar to those applicable to the 2031 Notes, approximately 716,500 shares of the Company's Class A common stock, representing 800,000 options, each with an initial option entitlement of 0.895625 shares. The Capped Call Transactions have an initial strike price of approximately $279.13 per share, which corresponds to the initial conversion price of the 2031 Notes, and an initial cap price of approximately $421.34 per share. The Capped Call Transactions expire on April 1, 2031.

The Capped Call Transactions are intended to reduce the potential dilution to the Company's Class A common stock upon any conversion of the 2031 Notes and/or offset any cash payments the Company is required to make in excess of the principal amount of the converted Notes, in the event that the market price per share of the Company's Class A common stock, as measured under the terms of the Capped Call Transactions, is greater than the strike price, with such reduction and/or offset subject to the cap price. The Capped Call Transactions are separate transactions from the 2031 Notes and are not part of the terms of the 2031 Notes. Holders of the 2031 Notes do not have any rights with respect to the Capped Call Transactions.

The Company determined that the Capped Call Transactions are indexed to the Company's own Class A common stock and qualify for equity classification under ASC 815-40. Accordingly, the cost of the Capped Call Transactions was recorded as a reduction to additional paid-in capital. The Capped Call Transactions will not be remeasured at fair value in subsequent reporting periods. During the three months ended March 31, 2026, the Company recorded a total reduction to additional paid-in capital of approximately $17.4 million in connection with the Capped Call Transactions, consisting of $17.3 million in premiums paid and approximately $0.1 million in issuance costs allocated using the relative fair value method.

In connection with the offering of the 2031 Notes, the Company repurchased 334,600 shares of its Class A common stock in privately negotiated transactions at a price of approximately $210.67 per share for a total cost of approximately $70.5 million. The repurchased shares were recorded as treasury stock at cost in accordance with the Company's accounting policy.

- Definition

The entire disclosure for equity.

+ References

+ Details

Related-Party Transactions

3 Months Ended

Mar. 31, 2026

Related-Party Transactions

Note 16 Related-Party Transactions

Leasing Arrangements

During each of the three months ended March 31, 2026 and 2025, the Company paid $0.1 million under lease agreements with PCJW, which is controlled by the Company's founders (including the Company's current CEO), for general office space in Los Angeles, California.

The following is a schedule of future minimum rental payments as of March 31, 2026 under Company’s sublease for the properties located in Los Angeles, California, signed with PCJW (in thousands):


Year	Related-Party Commitment
2026	$	304
2027		83
2028		71
Total minimum lease payments	$	458
Less: imputed interest	$	(33	)
Total lease liabilities	$	425

The related-party components of the lease right-of-use assets, lease liabilities, short-term, and lease liabilities, long-term are presented as part of the right-of-use asset and lease liability on the condensed 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 $1.7 million and $1.8 million for the three months ended March 31, 2026 and 2025, respectively. For more information about the Debt Facility with VPC, refer to Note 10, 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 $0.1 million and $0.2 million for the three months ended March 31, 2026 and March 31, 2025, 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
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-5

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(g)(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(e))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/850/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-6

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
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-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

+ Details

Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2026

Accounting Policies [Abstract]

Summary of Operating Revenues

Below is detail of operating revenues (in thousands):


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Service based revenue, net
Processing and overdraft service fees, net	$	133,588	$	83,448
Tips		-		7,496
Subscriptions		13,945		6,817
Other		54		90
Transaction based revenue, net
Interchange revenue, net		6,201		5,885
ATM revenue, net		659		794
Other		3,967		3,449
Total operating revenues, net	$	158,414	$	107,979

Schedule of Relationship Between Provision for Income Taxes and Net Income Before Provision for Income Taxes

The following table presents the relationship between provision for income taxes and net income before provision for income taxes (in thousands):


	For the Three Months Ended
	March 31, 2026			March 31, 2025
Net income before provision for income taxes	$	70,160		$	33,868
Provision for income taxes	$	(12,224	)	$	(5,056	)
Effective income tax rate		17.4	%		14.9	%

Schedule of Earnings Per Share Basic And Diluted

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Numerator
Net income attributed to common stockholders—basic and diluted	$	57,936	$	28,812

Denominator
Weighted-average shares of common stock—basic		13,434,862		13,126,286
Dilutive effect of stock options		183,717		415,521
Dilutive effect of RSU		781,056		1,104,719
Weighted-average shares of common stock—diluted		14,399,635		14,646,526

Net income per share
Basic	$	4.31	$	2.19
Diluted	$	4.02	$	1.97

Summary of Computation of Diluted Net Income Per Share

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Equity incentive awards		565,329		225,876
Convertible notes¹		716,500		-
Capped call²		716,500		-
Total		1,998,329		225,876

Segment Information (Tables)

3 Months Ended

Mar. 31, 2026

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 three months ended March 31, 2026 and 2025, respectively:


Dave Inc. Condensed Consolidated Statements of Operations (in thousands) (unaudited)
	For the Three Months Ended
	March 31, 2026			March 31, 2025
Operating revenues:
Service based revenue, net	$	147,587		$	97,851
Transaction based revenue, net		10,827			10,128
Total operating revenues, net		158,414			107,979
Operating expenses:
Provision for credit losses		26,586			10,603
Processing and servicing costs		9,560			6,987
Financial network and transaction costs		7,752			7,039
Advertising and activation costs		14,260			11,930
Employee salaries and bonuses		15,311			15,521
Capitalized compensation costs		(1,543	)		(1,370	)
Stock-based compensation		7,102			7,517
Temporary labor and contractors		1,965			1,384
Other compensation, benefits and payroll taxes		4,755			4,199
Technology and infrastructure		3,395			2,726
Other operating expenses		9,705			6,294
Total operating expenses		98,848			72,830
Other (income) expenses:
Interest income		(824	)		(431	)
Interest expense		1,729			1,758
Changes in fair value of earnout liabilities		(3,190	)		(398	)
Changes in fair value of public and private warrant liabilities		(8,309	)		352
Total other (income) expense, net		(10,594	)		1,281
Net income before provision for income taxes		70,160			33,868
Provision for income taxes		12,224			5,056
Net income	$	57,936		$	28,812

ExtraCash Receivables, Net - Summary of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]
Beginning balance	$ 37,641	$ 22,703
Plus: provision for credit losses	26,586	10,603
Plus: amounts recovered	5,226	3,707
Less: amounts written-off	(31,420)	(16,938)
Ending balance	$ 38,033	$ 20,075

- Definition

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

+ References + Details

Significant Accounting Policies

3 Months Ended

Mar. 31, 2026

Accounting Policies [Abstract]

Significant Accounting Policies

Note 2 Significant Accounting Policies

Basis of Presentation

These condensed 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 Three Months Ended
	March 31, 2026		March 31, 2025
Service based revenue, net
Processing and overdraft service fees, net	$	133,588	$	83,448
Tips		-		7,496
Subscriptions		13,945		6,817
Other		54		90
Transaction based revenue, net
Interchange revenue, net		6,201		5,885
ATM revenue, net		659		794
Other		3,967		3,449
Total operating revenues, net	$	158,414	$	107,979

Service Based Revenue, Net

Processing and Overdraft Service Fees, Net

Tips

Subscriptions

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

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.

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

No Member individually exceeded 10% or more of the Company’s ExtraCash receivables balance as of March 31, 2026 and December 31, 2025.

Leases

Derivative Financial Instruments and Embedded Features

See Note 8, Convertible Notes for further details on the Company's derivative and equity-linked instruments.

Stock-Based Compensation

Stock Option Awards:

Restricted Stock Unit Awards:

Performance-Based Restricted Stock Unit Awards:

Advertising and Activation Costs

Income Taxes

The following table presents the relationship between provision for income taxes and net income before provision for income taxes (in thousands):


	For the Three Months Ended
	March 31, 2026			March 31, 2025
Net income before provision for income taxes	$	70,160		$	33,868
Provision for income taxes	$	(12,224	)	$	(5,056	)
Effective income tax rate		17.4	%		14.9	%

Segment Information

segment and reportable segment. Refer to Note 18 Segment Information in the accompanying notes to the condensed consolidated financial statements for further details.

Net Income Per Share Attributable to Stockholders

Basic net income attributable to holders of Common Stock per share is calculated by dividing net income attributable to holders of Common Stock by the weighted-average number of shares outstanding.

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Numerator
Net income attributed to common stockholders—basic and diluted	$	57,936	$	28,812

Denominator
Weighted-average shares of common stock—basic		13,434,862		13,126,286
Dilutive effect of stock options		183,717		415,521
Dilutive effect of RSU		781,056		1,104,719
Weighted-average shares of common stock—diluted		14,399,635		14,646,526

Net income per share
Basic	$	4.31	$	2.19
Diluted	$	4.02	$	1.97

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


	For the Three Months Ended
	March 31, 2026		March 31, 2025
Equity incentive awards		565,329		225,876
Convertible notes¹		716,500		-
Capped call²		716,500		-
Total		1,998,329		225,876

Capped Call Transactions

Convertible Notes

Recent Accounting Pronouncements

Recently Issued Accounting Pronouncements Not Yet Adopted:

Recently Adopted Accounting Pronouncements:

Stock-Based Compensation - Summary of Assumptions in the Binomial Option-Pricing Model Used to Determine The Fair Value of Stock Options (Detail) - Chief Executive Officer [Member]	3 Months Ended
	Mar. 31, 2026
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%

- 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 - Additional Information (Detail) - USD ($) $ in Billions	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Receivables [Abstract]
Provision for credit losses	$ 2.1	$ 1.5

Stock-Based Compensation (Tables)

3 Months Ended

Mar. 31, 2026

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, 2026		448,172		$	19.35		4.9	$	90,558
Granted		-		$	-
Exercised		(16,566	)	$	3.78
Forfeited		-		$	-
Expired		-		$	-
Options outstanding, March 31, 2026		431,606		$	19.95	$	4.7	$	66,530
Nonvested options, March 31, 2026		238,667		$	23.16	$	4.9	$	36,023
Vested and exercisable, March 31, 2026		192,939		$	15.97	$	4.4	$	30,507

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, 2026		291,512	$	68.62
Granted		316,004	$	229.12
Vested and Released		-		-
Forfeited		-		-
Outstanding shares at March 31, 2026		607,516	$	152.11

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, 2026		722,600		$	51.98
Granted		156,424		$	215.81
Vested and Released		(98,082	)	$	38.08
Forfeited		(10,650	)	$	46.73
Outstanding shares at March 31, 2026		770,292		$	87.09

- 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

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Net income	$ 57,936	$ 28,812
Other comprehensive gain (loss):
Unrealized gain (loss) on available-for-sale securities	(78)	8
Comprehensive income	$ 57,858	$ 28,820

- 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.

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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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Reference 37: http://www.xbrl.org/2003/role/disclosureRef
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Reference 38: http://www.xbrl.org/2003/role/disclosureRef
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Reference 39: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Accrued Expenses and Other Current Liabilities

3 Months Ended

Mar. 31, 2026

Accrued Liabilities and Other Liabilities [Abstract]

Accrued Expenses and Other Current Liabilities

Note 7 Accrued Expenses and Other Current Liabilities

Accrued Expenses

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


	March 31, 2026		December 31, 2025
Accrued professional and program fees	$	8,048	$	4,696
Accrued compensation		3,280		5,518
Sales taxes payable		1,469		1,314
Accrued charitable contributions		-		1,034
Accrued negative account balances		210		141
Other		292		344
Total	$	13,299	$	13,047

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.

Prior to the second quarter of 2025, accrued charitable contributions included amounts the Company had pledged related to charitable meal donations. The Company used a portion of tips received to make charitable cash donations to third parties who use the funds to provide meals to those in need. In February 2025, the Company discontinued the optional tips feature from Dave's business model. For the three months ended March 31, 2026 and 2025, the Company pledged $0 and $0.5 million related to charitable donations, respectively. These costs are expensed as incurred and are presented within other operating expenses in the condensed consolidated statements of operations.

Other Current Liabilities

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


	March 31, 2026		December 31, 2025
Forward commitment liability	$	3,244	$	3,617
Deferred transaction costs		3,150		3,150
Unearned revenue		604		606
Other		2,369		667
Total	$	9,367	$	8,040

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 transactions consummated on January 5, 2022 as contemplated by that certain Agreement and Plan of Merger, dated as of June 7, 2021 among VPC Impact Acquisition Holdings III, Inc. (“VPCC”), Dave Inc., a Delaware corporation and other entities (the “Business Combination"). These transaction costs were also capitalized and included within additional paid-in capital in the consolidated balance sheets.

Leases - Additional information (Detail) - PCJW Properties LLC [Member] - USD ($) $ in Thousands	1 Months Ended
	Jan. 31, 2026	Nov. 30, 2023
Lease Arrangement One [Member]
Lessee, Lease, Description [Line Items]
Lease Term	2026-01	2028-10
Current monthly lease payment		$ 7
Annual lease escalation percentage		4.00%
Lease Arrangement Two [Member]
Lessee, Lease, Description [Line Items]
Current monthly lease payment	$ 27

Investments

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Investments

Note 3 Investments

Below is a summary of investments, which are measured at fair value as of March 31, 2026 (in thousands):


	Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Government securities		42,258		346		-		42,604
Total	$	42,258	$	346	$	-	$	42,604

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

Net realized gains on the sale of investments, recorded as a component of interest income in the condensed consolidated statements of operations, were $0 and $0.006 million for the three months ended March 31, 2026 and 2025, respectively. Accrued interest of $0 and $0.04 million is included in investments within the condensed consolidated balance sheets for the periods ended March 31, 2026 and 2025, respectively.

There were no unrealized losses on the available-for-sale investment securities as of March 31, 2026 and December 31, 2025.

As of March 31, 2026, the contractual maturities of available-for-sale investment securities were as follows (in thousands):


	Amortized Cost		Fair Value
Due in one year or less	$	42,258	$	42,604
Due after one year through five years	$	-	$	-
Total	$	42,258	$	42,604

Segment Information - Additional Information (Detail) - Segment	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Segment Reporting Information [Line Items]
Percentage of revenue contributed	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 [Member], srt:ChiefFinancialOfficerMember
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.

Fair Value of Financial Instruments - Summary of Roll-Forward of the Level 3 Private Warrant Liability (Detail) - Private Placement Warrants [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Opening value	$ 5,579	$ 916
Change in fair value during the period	$ (3,996)	$ 4,663
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	$ 1,583	$ 5,579

Fair Value of Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2026

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

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


March 31, 2026	Level 1		Level 2		Level 3		Total
Assets
Investments		42,604				-		42,604
Total assets	$	42,604	$	—	$	—	$	42,604
Liabilities
Warrant liabilities - public warrants	$	1,903	$	—	$	—	$	1,903
Warrant liabilities - private warrants		—		—		1,583		1,583
Earnout liabilities		—		—		1,091		1,091
Total liabilities	$	1,903	$	—	$	2,674	$	4,577

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

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, 2025	$	1,016
Change in fair value during the period		5,201
Ending value at December 31, 2025		6,217
Change in fair value during the period		(4,314	)
Ending value at March 31, 2026	$	1,903

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, 2025	$	916
Change in fair value during the period		4,663
Ending value at December 31, 2025		5,579
Change in fair value during the period		(3,996	)
Ending value at March 31, 2026	$	1,583

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 three months ended March 31, 2026:


Exercise price	$	368
Expected volatility		72.34	%
Risk-free interest rate		3.70	%
Remaining term		0.76
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, 2025	$	996
Change in fair value during the period		3,285
Ending value at December 31, 2025		4,281
Change in fair value during the period		(3,190	)
Ending value at March 31, 2026	$	1,091

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 three months ended March 31, 2026:


Exercise price	$400-$480
Expected volatility		64.9	%
Risk-free interest rate		3.70	%
Remaining term		0.77
Dividend yield		0	%

Investments - Schedule of Contractual Maturities of Available-for-sale Investment Securities (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Amortized Cost
Due in one year or less	$ 42,258
Due after one year through five years	0
Total	42,258	$ 40,364
Fair Value
Due in one year or less	42,604
Due after one year through five years	0
Total	$ 42,604	$ 40,788

- 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

Convertible Notes (Tables)

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Schedule of Carrying Amount of 2031 Notes

The carrying amount of the 2031 Notes as of March 31, 2026, were as follows (in thousands):


	Principal Amount		Unamortized Debt Discount and Issuance Costs			Net Carrying Amount
0% Convertible Senior Notes due April 1, 2031	$	200,000	$	(7,219	)	$	192,781
Total	$	200,000	$	(7,219	)	$	192,781

Summary of Capped Call Transaction

The issuance costs allocated between the 2031 Notes and the Capped Call Transactions as of March 31, 2026, were as follows (in thousands):


	Allocated to 2031 Notes			Allocated to Capped Call
Total issuance costs incurred	$	745		$	64
Less: accumulated amortization through March 31, 2026		(9	)		-
Unamortized issuance costs, March 31, 2026	$	736		$	64

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(22))
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-Publisher FASB
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Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
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-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147477314/942-235-S99-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
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-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-4

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 6: http://www.xbrl.org/2003/role/exampleRef
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Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-7

+ Details

Leases

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Leases

Note 12 Leases

The Company leases office space in Los Angeles, California under two arrangements with PCJW Properties LLC ("PCJW"), an entity controlled by the Company's founders (including the Company's CEO). The first is a sublease extended in November 2023 for five additional years ending October 2028, with current monthly rent of $0.007 million subject to annual escalations of 4%. The second is a lease extended in January 2026 for one additional year ending December 2026, with current monthly rent of $0.027 million.

All leases were classified as operating and operating lease expenses are presented within Other operating expenses in the condensed 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 Three Months Ended
	March 31, 2026		March 31, 2025
Operating lease cost	$	101	$	87
Short-term lease cost		-		-
Total lease cost	$	101	$	87


	For the Three Months Ended
	March 31, 2026			March 31, 2025
Other information:
Cash paid for operating leases	$	101		$	96
Weighted-average remaining lease term - operating lease		1.57			2.23
Weighted-average discount rate - operating lease		10	%		10	%

The future minimum lease payments as of March 31, 2026, were as follows (in thousands):


Year	Related-Party Commitment
2026	$	304
2027		83
2028		71
Total minimum lease payments	$	458
Less: imputed interest	$	(33	)
Total lease liabilities	$	425

ExtraCash Receivables, Net (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Summary of ExtraCash Receivables, Net

Below is a detail of ExtraCash receivables, net as of March 31, 2026 (in thousands):


Days From Origination	Gross ExtraCash Receivables		Allowance for Credit Losses			ExtraCash Receivables, Net
1-10	$	210,249	$	(2,998	)	$	207,251
11-30		74,119		(11,573	)		62,546
31-60		13,504		(8,261	)		5,243
61-90		9,574		(7,210	)		2,364
91-120		9,731		(7,991	)		1,740
Total	$	317,177	$	(38,033	)	$	279,144

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

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, 2026	$	37,641
Plus: provision for credit losses		26,586
Plus: amounts recovered		5,226
Less: amounts written-off		(31,420	)
Ending allowance balance at March 31, 2026	$	38,033

Opening allowance balance at January 1, 2025	$	22,703
Plus: provision for credit losses		10,603
Plus: amounts recovered		3,707
Less: amounts written-off		(16,938	)
Ending allowance balance at March 31, 2025	$	20,075

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Pay vs Performance Disclosure
Net Income (Loss)	$ 57,936	$ 28,812

- 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 - Additional Information (Detail) - USD ($)		3 Months Ended
	Jan. 05, 2022	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Changes in fair value of public and private warrant liabilities		$ (8,309,000)	$ 352,000
Change in fair value of earnout shares		3,200,000	400,000
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		4,300,000	(200,000)
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		4,000,000	$ (200,000)
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, Nonrecurring [Member] \| 2031 Notes \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Convertible notes fair value		192,800,000		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

Commitments and Contingencies - Additional Information (Detail) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Commitments And Contingencies [Line Items]
Litigation and settlement accrual	$ 7,886	$ 7,838
Federal Trade Commission v. Dave, Inc. [Member]
Commitments And Contingencies [Line Items]
Litigation and settlement accrual	$ 7,900

Intangible Assets, Net - Additional Information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization of Intangible Assets	$ 1,520,000	$ 1,400,000
Impairment charges	$ 0	$ 0

- 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.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Subparagraph (b)
-SubTopic 10
-Topic 230
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 18
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-18

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 11
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-11

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-24

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-12

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 40
-SubTopic 30
-Topic 350
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482686/350-30-45-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-6

+ 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

Convertible Notes - Additional Information (Detail)		3 Months Ended
Convertible Notes - Additional Information (Detail)	Mar. 09, 2026 USD ($) $ / shares shares	Mar. 31, 2026 USD ($) ConsecutiveDays TradingDays $ / shares shares	Feb. 27, 2026 USD ($)	Dec. 31, 2025 USD ($)
Debt Instrument [Line Items]
Number of consecutive trading days \| ConsecutiveDays		40
Convertible notes outstanding		$ 192,781,000		$ 0
Conversion rate \| shares		3.5825
Principal amount		$ 1,000
Capped call transaction initial strike price \| $ / shares		$ 279.13
Capped call transaction initial cap price \| $ / shares		$ 421.34
Maximum [Member] \| Class A common stock [Member]
Debt Instrument [Line Items]
Stock repurchase amount			$ 300,000,000
2031 Notes
Debt Instrument [Line Items]
Debt instrument principal amount	$ 200,000,000
Debt instrument interest rate	0.00%
Debt instrument principal amount issued	$ 25,000,000
Debt instrument transaction cost	17,300,000
Net proceeds from offering after deducting discounts and before deducting offering expenses		$ 193,400,000
Stock repurchase amount	$ 70,500,000
Stock repurchase number of shares \| shares	334,600
Effective interest rate		0.74%
Amortization of debt discount		$ 6,600,000
Amortization of debt issuance costs		$ 700,000
Maturity date		Apr. 01, 2031
Aggregate capped call transaction costs	$ 17,300,000
Base capped call amount	15,100,000
Additional capped call amount	$ 2,200,000
Capped call transaction initial strike price \| $ / shares	$ 279.13
Capped call transaction initial cap price \| $ / shares	$ 421.34
Capped call transaction expiration date	Apr. 01, 2031
2031 Notes \| Class A common stock [Member]
Debt Instrument [Line Items]
Number of options on common stock covered in capped call transaction \| shares	800,000
Number of common stock covered in capped call transaction \| shares	716,500
Number of shares entitled for options \| shares	0.895625
Conversion Rights
Debt Instrument [Line Items]
Number of trading days \| TradingDays		20
Number of consecutive trading days \| ConsecutiveDays		30
Percentage of sale price exceeding conversion price		13000.00%
Percentage of product of last reported sale price per share		98.00%
Conversion price \| $ / shares		$ 279.13
Conversion rate \| shares		3.5825
Principal amount		$ 1,000,000
Optional Redemption
Debt Instrument [Line Items]
Number of trading days \| TradingDays		20
Number of consecutive trading days \| ConsecutiveDays		30
Percentage of effective conversion price then sale price per share		13000.00%
Percentage of cash redemption price of principal amount		10000.00%

Significant Accounting Policies - Schedule of Earnings Per Share Basic And Diluted (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Numerator
Net income attributed to common stockholders - basic	$ 57,936	$ 28,812
Net income attributed to common stockholders - diluted	$ 57,936	$ 28,812
Denominator
Weighted-average shares of common stock—basic	13,434,862	13,126,286
Dilutive effect of stock options	183,717	415,521
Dilutive effect of RSU	781,056	1,104,719
Weighted-average shares of common stock—diluted	14,399,635	14,646,526
Net income per share:
Basic	$ 4.31	$ 2.19
Diluted	$ 4.02	$ 1.97

Fair Value of Financial Instruments - Summary of Assumptions used to Value Founder Shares Liability (Detail) - Founder Holder Earnout Shares Liability [Member]	Mar. 31, 2026
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	64.9
Risk-free interest rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	3.7
Remaining term
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Remaining term	9 months 7 days
Dividend yield
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative Liability, Measurement Input	0

Fair Value of Financial Instruments - Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis (Detail) - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Investments	$ 42,604	$ 40,788
Total assets	42,604	40,788
Liabilities
Earnout liabilities	1,091	4,281
Total liabilities	4,577	16,077
Public Warrants [Member]
Liabilities
Warrant Liability	1,903	6,217
Private Placement Warrants [Member]
Liabilities
Warrant Liability	1,583	5,579
Level 1
Assets
Investments	42,604	0
Total assets	42,604	0
Liabilities
Total liabilities	1,903	6,217
Level 1 \| Public Warrants [Member]
Liabilities
Warrant Liability	1,903	6,217
Level 2
Assets
Investments		40,788
Total assets	0	40,788
Level 3
Liabilities
Earnout liabilities	1,091	4,281
Total liabilities	2,674	9,860
Level 3 \| Private Placement Warrants [Member]
Liabilities
Warrant Liability	$ 1,583	$ 5,579

Stock-Based Compensation - Summary of Stock Option Activity (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning Options outstanding	448,172
Exercised	(16,566)
Expired	0
Ending Options outstanding	431,606	448,172
Nonvested options, Shares	238,667
Vested and exercisable, Shares	192,939
Beginning Weighted- Average Exercise Price Options outstanding	$ 19.35
Weighted- Average Exercise Price Exercised	3.78
Weighted- Average Exercise Price Expired	0
Ending Weighted- Average Exercise Price Options outstanding	19.95	$ 19.35
Nonvested options, Weighted- Average Exercise Price	23.16
Vested and exercisable, Weighted- Average Exercise Price	$ 15.97
Weighted- Average Remaining Contractual Term (years)	4 years 8 months 12 days	4 years 10 months 24 days
Nonvested options, Weighted- Average Remaining Contractual Term (years)	4 years 10 months 24 days
Vested and exercisable, Weighted- Average Remaining Contractual Term (years)	4 years 4 months 24 days
Aggregate Intrinsic Value	$ 66,530	$ 90,558
Nonvested options, Aggregate Intrinsic Value	36,023
Vested and exercisable, Aggregate Intrinsic Value	$ 30,507

401(k) Savings Plan - Additional Information (Detail) - 401(k) Savings Plan [Member] - USD ($) $ in Millions		3 Months Ended
	Jan. 01, 2021	Mar. 31, 2026	Mar. 31, 2025
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		$ 0.7	$ 0.6