Financial Statements — DAVE
Balance Sheet
(in millions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 133.33 | 49.89 | 61.69 | 47.00 | 35.06 | 48.60 | 55.53 | 43.61 | 49.35 | 51.75 | 38.56 | 26.38 | 23.57 | -- | -- | -- |
| Total Current Assets | 479.63 | 385.97 | 346.37 | 298.78 | 254.67 | 229.51 | 218.34 | 278.37 | 281.10 | 291.65 | 322.30 | 345.59 | 375.01 | 1.04 | 1.79 | 2.12 |
| Net Loans & Leases | 279.14 | 268.29 | 225.66 | 194.67 | 165.53 | 127.76 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 530.53 | 433.25 | 363.56 | 315.65 | 272.24 | 247.16 | 235.60 | 294.45 | 296.01 | 305.44 | 334.23 | 358.50 | 387.77 | 254.82 | 255.57 | 255.89 |
| Total Current Liabilities | 124.34 | 44.39 | 36.41 | 34.78 | 37.42 | 26.46 | 29.25 | 34.88 | 31.98 | 26.32 | 63.23 | 57.42 | 58.79 | 2.27 | 1.70 | 0.08 |
| Long-term Debt | -- | 75.00 | 75.00 | 75.00 | 75.00 | 75.00 | 75.00 | 75.00 | 75.00 | 75.00 | 45.00 | 35.00 | 35.00 | -- | -- | -- |
| Total Liabilities | 326.75 | 141.94 | 146.49 | 116.19 | 116.43 | 105.41 | 108.29 | 215.27 | 211.89 | 205.36 | 211.00 | 195.23 | 220.98 | 32.96 | 31.03 | 27.88 |
| Retained Earnings | 101.35 | (22.52) | (114.59) | (123.63) | (169.25) | (169.72) | (176.08) | (210.50) | (198.45) | (175.83) | 140.31 | 92.81 | (65.69) | (31.91) | -- | -- |
| Total Stockholder Equity* | 203.78 | 291.31 | 217.07 | 199.46 | 155.82 | 141.76 | 127.31 | 79.18 | 84.12 | 100.08 | 123.23 | 163.27 | 166.80 | (31.91) | 224.53 | 228.01 |
* Derived from reported values
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest Expense | 1.73 | 1.72 | 1.79 | 1.78 | 1.76 | 1.84 | 1.96 | 1.97 | 2.22 | 2.79 | 3.06 | 3.03 | 2.90 | 2.95 | 2.40 | 2.29 | 1.56 | -- | -- | -- |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | 9.94 | 14.53 | 15.98 | 15.93 | 11.95 | -- | -- | -- | -- | -- | -- | -- |
| Pretax Income | 70.16 | 64.22 | 58.43 | 11.51 | 33.87 | 17.49 | 0.84 | 4.58 | 37.45 | 0.28 | (12.04) | (22.61) | (14.02) | (21.63) | (47.48) | (27.09) | (32.77) | -- | -- | -- |
| Tax Provision | 12.22 | (1.72) | (33.64) | 2.47 | 5.06 | 0.69 | 0.37 | (1.78) | 3.20 | 0.10 | 0.01 | 0.01 | 0.01 | (0.14) | 0.03 | 0.02 | 0.02 | -- | -- | -- |
| Net Income | 57.94 | 65.94 | 92.07 | 9.04 | 28.81 | 16.81 | 0.47 | 6.36 | 34.24 | 0.18 | (12.05) | (22.62) | (14.02) | (21.49) | (47.50) | (27.11) | (32.79) | 2.54 | (2.68) | (5.13) |
| Basic EPS | 4.31 | 4.94 | 6.84 | 0.68 | 2.19 | 1.27 | 0.04 | 0.51 | 2.80 | 0.03 | (1.01) | (1.90) | (1.19) | (10.82) | (0.13) | (0.07) | (0.09) | -- | -- | -- |
| Diluted EPS | 4.02 | 4.60 | 6.34 | 0.62 | 1.97 | 1.09 | 0.03 | 0.47 | 2.60 | 0.03 | (1.01) | (1.90) | (1.19) | (10.82) | (0.13) | (0.07) | (0.09) | -- | -- | -- |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 82.03 | 93.29 | 83.25 | 68.24 | 45.25 | 41.71 | 37.03 | 28.05 | 18.34 | 15.63 | 15.37 | 9.68 | (6.93) | (3.94) | (14.32) | 10.85 | (12.51) | (0.04) | (0.58) | (0.16) |
| Capital Expenditures | 0.02 | 0.09 | 0.06 | 0.13 | 0.04 | 0.05 | 0.07 | 0.14 | 0.01 | 0.03 | 0.06 | 0.33 | 0.26 | 0.22 | 0.21 | 0.02 | 0.23 | -- | -- | -- |
| Free Cash Flow* | 82.01 | 93.20 | 83.19 | 68.11 | 45.21 | 41.66 | 36.97 | 27.91 | 18.33 | 15.60 | 15.31 | 9.35 | (7.19) | (4.16) | (14.52) | 10.83 | (12.74) | -- | -- | -- |
| Investing Cash Flow | (10.14) | (50.83) | (70.07) | (53.79) | (28.06) | (26.81) | (50.63) | (34.52) | 66.13 | (17.37) | (20.72) | (12.09) | 35.81 | (21.65) | 16.66 | (285.50) | (297.57) | 0.00 | 0.00 | 0.00 |
| Financing Cash Flow | (19.08) | (11.83) | (24.97) | 0.42 | (19.91) | (0.13) | 0.06 | (0.45) | (70.48) | 0.02 | 0.02 | 0.00 | (0.01) | 10.01 | 293.77 | (0.05) | 301.72 | 0.00 | -0.00 | 255.94 |
* Derived from reported values
