Dave Set to Report Q3 Earnings: Here's What Investors Should Know

Core Insights - Dave Inc. (DAVE) is set to release its third-quarter 2025 results on November 4, before market open, with a strong earnings surprise history, averaging a 105.4% surprise over the last four quarters [1] Group 1: Q3 Expectations - The Zacks Consensus Estimate for DAVE's revenue is $131.2 million, reflecting a 41.8% increase from the same quarter last year [2] - The new fee model is expected to enhance ExtraCash approval limits, contributing to an increase in average revenues per user (ARPU) [2] - Improved credit segmentation through CashAI is anticipated to boost average origination sizes, further aiding ARPU growth [2] Group 2: Revenue and Earnings Projections - Increased card spending is likely to positively impact revenue, with active Dave card users showing higher retention on ExtraCash, thus enhancing lifetime value and ARPU [3] - The consensus estimate for earnings per share is $2.29, indicating a 51.7% year-over-year increase, supported by effective expense management leading to margin expansion [3] Group 3: Earnings Prediction Model - The earnings model predicts a potential earnings beat for DAVE, supported by a positive Earnings ESP of +1.53% and a Zacks Rank of 2 (Buy) [4] - The combination of these factors increases the likelihood of an earnings surprise [4] Group 4: Other Stocks in the Sector - Other stocks in the Business Services sector are also highlighted, with Parsons (PSN) and AppLovin (APP) showing varying earnings estimates and potential for earnings beats [5][6][8]