EXCLUSIVE: Neobank Dave Taps AI Across the Stack To Smash Q4 Estimates

Dave Inc. (NASDAQ:DAVE) reported a strong fourth-quarter, with its AI-driven underwriting platform CashAI v5.5 powering a 50% year-over-year increase in ExtraCash originations and improving the 28-day past due rate to just 1.89%.

DAVE stock is moving. See the chart and price action here.

The technology, fully implemented for the first time in the fourth quarter, helped extend the company's streak to a third straight quarter of 60%+ revenue growth while non-GAAP gross margin expanded to 74%.

Q425 was a record quarter; FY25 was a record year!In Q4:– Rev up 62% YoY– MTMs up 19% YoY– ARPU up 36% YoY– ExtraCash originations up 50% YoYBig numbers and a big year ahead…https://t.co/Hhu2EhWrxp pic.twitter.com/DY9N80zR0S

— Dave 🐻 (@davebanking) March 4, 2026

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EXCLUSIVE: Neobank Dave Taps AI Across the Stack To Smash Q4 Estimates

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