Dave Inc. (DAVE) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.239 Good afternoon, everyone, and thank you for participating in today's conference call 00:00:04.239 -- 00:00:09.891 to discuss Dave's financial results for the fourth quarter and full year ended 00:00:09.891 -- 00:00:12.612 December 31st, 2025. 00:00:13.197 -- 00:00:18.508 Joining us today are Dave's CEO, Mr. Jason Wilk, and the company's 00:00:18.508 -- 00:00:23.606 CFO and COO, Mr. Kyle Billman. By now, everyone should 00:00:23.606 -- 00:00:29.553 have access to the fourth quarter and full year 2025 earnings press release, 00:00:29.553 -- 00:00:33.418 which was issued today after the market closed. 00:00:33.418 -- 00:00:38.445 The release is available in the investor relations section of Dave's website at 00:00:38.445 -- 00:00:40.445 investors.dave.com. 00:00:41.208 -- 00:00:47.316 In addition, this call will be available for webcast replay on the company's website. 00:00:47.316 -- 00:00:52.597 Following management remarks, we'll open the call for answer your questions. 00:00:52.597 -- 00:00:57.385 Certain comments made during this conference call and webcast are considered forward-looking 00:00:57.385 -- 00:01:03.053 statements under the Private Securities Litigation Reform Act of 1995. 00:01:03.053 -- 00:01:08.362 These forward-looking statements are subject to certain known and unknown risks 00:01:08.362 -- 00:01:13.450 and uncertainties as well as assumptions that could cause actual results 00:01:13.450 -- 00:01:18.888 to differ materially from those reflected in these forward-looking statements. 00:01:18.888 -- 00:01:24.316 These forward-looking statements are also subject to other risks and uncertainties 00:01:24.316 -- 00:01:30.823 that are described from time to time in the company's filings with the SEC. 00:01:31.466 -- 00...