Dave (DAVE) risk factors
Item 1A of every Dave Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors78 risks10 new7 dropped19 reworded
Dave added new risks regarding AI development and third-party vendor oversight for its ExtraCash product. The company expanded disclosures on tax rate fluctuations and public warrant valuations.
Filed Mar 02, 2026 - FY2024 10-K risk factors75 risks
Dave faces significant credit and repayment risks from its unsecured ExtraCash overdraft product and dependence on a single bank partner. The company operates in a highly regulated financial services market and has previously identified internal control material weaknesses. It must navigate fluctuating interest rates, increasing competition, and third-party vendor dependencies to sustain profitability.
Filed Mar 04, 2025