Latest Earnings Results: Q2 '26
Estimated EPS
$3.44
Reported EPS
$0.49
Surprise
-85.75%
Estimated Rev
$171.11M
Reported Rev
$170.8M
Surprise
-0.18%
• Reported GAAP EPS of $0.53 down -22.06% YoY • Reported revenue of $170.8M up 29.63% YoY • Dave Inc. raised its full-year 2026 guidance, now targeting GAAP operating revenues of $725 million to $735 million, adjusted EBITDA of $315 million to $325 million, and adjusted diluted EPS of $17.00-$17.50.
Bullish Takeaway
Dave Inc. delivered nine consecutive quarters of 30% revenue growth, improved its non-GAAP gross margin to 72%, and expanded ExtraCash originations while simultaneously improving credit performance metrics for the period.
Bearish Takeaway
Dave Inc. experienced a 26% year-over-year decline in GAAP net income, while facing ongoing legal and regulatory challenges and structural risks associated with its reliance on only two bank partners.
Generated by Stocktwits using AI and company-reported earnings data for Q2 '26. This recap is intended to help readers understand the quarter quickly. Verify key figures in the linked source materials; the summary may contain errors and is not investment advice.
Historical Earnings
Quarterly
Annual
EPS
Revenue
| Fiscal Period | Estimated | Reported | Surprise | Result |
|---|---|---|---|---|
Q3 '26 | $4.10 | -- | -- | N/A |
Q2 '26 | $3.44 | $0.49 | -85.75% | MISSED |
Q1 '26 | $2.64 | $4.02 | 52.36% | BEAT |
Q4 '25 | $3.31 | $4.57 | 37.95% | BEAT |
Q3 '25 | $1.82 | $6.34 | 248.35% | BEAT |