Dave Inc. (DAVE) Q3 2023 Earnings Call Transcript

Dave Inc. (NASDAQ:DAVE) Q3 2023 Earnings Conference Call November 7, 2023 4:30 PM ET

Company Participants

Jason Wilk – CEO

Kyle Beilman – CFO

Conference Call Participants

Gary Prestopino – Barrington Research


Good afternoon, everyone, and thank you for participating in today’s conference call to discuss Dave’s financial results for the third quarter ended September 30, 2023.

Joining us today are Dave’s CEO, Mr. Jason Wilk; and the company CFO, Mr. Kyle Beilman. By now, everyone should have access to the third quarter 2023 earnings press release, which was issued earlier today.

The release is available in the Investor Relations section of Dave’s website at https://investors.dave.com. In addition, this call will be available for webcast replay on the company’s website. Following management’s remarks, we’ll open the call for your questions.. Certain comments made on this conference call and webcast are considered forward-looking statements under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to certain known and unknown risks and uncertainties as well as the assumptions that could cause actual results to differ materially from those reflected in these forward-looking statements. These forward-looking statements are also subject to risks and uncertainties that are described from time to time in the company’s filings with the SEC.

Do not place undue reliance on any forward-looking statements, which are being made only as of the date of this call. Except as required by law, the company undertakes no obligation to revise or publicly release the results of any revision to any forward-looking statements. The company’s presentation also includes certain non-GAAP financial measures, including adjusted EBITDA, as supplemental measures of performance of our business. All non-GAAP measures have been reconciled to the most directly comparable GAAP measures in accordance with SEC rules. You’ll find reconciliation charts and other important factors in the earnings press release and Form

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