Dave Inc. (DAVE) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, everyone, and thank you for participating in today's conference call to discuss Dave's financial results for the second quarter ended June 30th, 2026. Joining us today are Dave's CEO, Mr. Jason Wilk, and the company's CFO and COO, Mr. Kyle Beilman. By now, everyone should have access to the second quarter 2026 earnings press release, which was issued today after the market closed. to withdraw your question, please press star one one again. Certain comments made during 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 risk and uncertainties, as well as 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 other risk 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. The company undertakes no obligation to revise or update any forward-looking statements except as required by law. The company's presentation also includes certain non-GAAP financial measures including adjusted EBITDA, adjusted EBITDA margin, adjusted net income, non-GAAP gross profit, Non-gap gross margin, adjusted earnings per share, and compensation expense excluding stock-based compensation as supplemental measures of the performance of our business. All non-gap measures have been reconciled to the most directly comparable gap measures in accordance with the SEC rules. You will find reconciliation tables and other important information in the earnings p...