Dave (DAVE) Revenue by Type

Breaks down Dave's revenue into streams such as subscription fees, interchange and card income, interest and lending-related income (including cash advances), tips and other service fees. Reveals which sources are recurring and stable versus volatile: subscription and interchange revenue tend to scale predictably with user growth, while lending and cash-advance income depends on loan volume, credit quality and interest-rate conditions and carries higher regulatory and credit risk. A rising share of subscription and interchange indicates more durable, higher-margin growth; heavy dependence on advance or fee income can make results more cyclical and vulnerable to policy or borrower stress.

• Other
• Net Transaction Based Revenue
• Subscriptions
• Tips
• Net Processing & Overdraft Service Fees
• Stock Price

Dave’s revenue mix has tilted decisively toward Net Processing & Overdraft Service Fees, which drive the recent top‑line surge alongside a clear acceleration in Subscriptions—consistent with higher ARPU, originations and card spend cited on the call. Tips have largely disappeared after 2024, implying a reclassification or product change to verify. The shift to more recurring/processing revenue helps explain outsized margin expansion, but watch the Coastal funding transition and related fees that will pressure reported gross profit despite stronger adjusted EBITDA and raised guidance.