Revenue: As of FY2025 Q3, the actual value is USD 150.73 M.EPS: As of FY2025 Q3, the actual value is USD 6.34.EBIT: As of FY2025 Q3, the actual value is USD 47.39 M.<h3>Segment Revenue</h3><ul><li>Service Based Revenue, Net: $139.2 million for the three months ended September 30, 2025, compared to $83.4 million for the same period in 2024, representing a 67% increase. For the nine months ended September 30, 2025, service-based revenue was $358.7 million, up from $220.6 million in 2024, a 63% increase.</li><li>Transaction Based Revenue, Net: $11.5 million for the three months ended September 30, 2025, compared to $9.1 million for the same period in 2024, a 26% increase. For the nine months ended September 30, 2025, transaction-based revenue was $31.8 million, up from $25.6 million in 2024, a 24% increase.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $92.1 million for the three months ended September 30, 2025, compared to $0.5 million for the same period in 2024. For the nine months ended September 30, 2025, net income was $129.9 million, compared to $41.1 million in 2024.</li><li>Provision for Credit Losses: $29.8 million for the three months ended September 30, 2025, compared to $13.7 million for the same period in 2024, a 118% increase. For the nine months ended September 30, 2025, provision for credit losses was $65.7 million, compared to $38.0 million in 2024, a 73% increase.</li><li>Operating Expenses: Total operating expenses were $104.8 million for the three months ended September 30, 2025, compared to $89.9 million for the same period in 2024, a 17% increase. For the nine months ended September 30, 2025, operating expenses were $268.3 million, compared to $232.6 million in 2024, a 15% increase.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $196.7 million for the nine months ended September 30, 2025, compared to $83.4 million for the same period in 2024.</li><li>Net Cash Used in Investing Activities: - $151.9 million for the nine months ended September 30, 2025, compared to - $19.0 million for the same period in 2024.</li><li>Net Cash Used in Financing Activities: - $44.5 million for the nine months ended September 30, 2025, compared to - $70.9 million for the same period in 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue expanding its financial services platform with integrated products and services to improve the financial well-being of its Members. It aims to increase Member growth and activity, offer new products and services, and generate additional revenues from existing Members.</li><li>Non-Core Business: The company has authorized a share repurchase program under which it may repurchase up to $125.0 million of its outstanding Class A common stock, as part of its capital allocation strategy to return capital to shareholders and manage dilution from equity compensation.</li></ul>

DAVE INC C/WTS 05/01/2027 (TO PUR COM) | 10-Q: FY2025 Q3 Revenue: USD 150.73 M