Dave Results Presentation Deck

Reconciliations Dave Operating revenues, net ExtraCash origination and ATM-related fees Non-GAAP operating revenues Operating expenses Non-variable operating expenses Non-GAAP variable operating expenses Non-GAAP operating revenues Non-GAAP variable operating expenses Non-GAAP variable profit Non-GAAP variable profit margin DAVE INC. RECONCILIATION OF OPERATING REVENUES, NET TO NON-GAAP OPERATING REVENUES (in millions) (unaudited) $ $ $ $ For the Three Months Ended December 31 2022 2021 RECONCILIATION OF OPERATING EXPENSES TO NON-GAAP OPERATING EXPENSES (in millions) (unaudited) $ 59.6 $ 2.2 61.8 $ $ For the Three Months Ended December 31 2022 2021 79.5 $ (43.2) 36.3 CALCULATION OF NON-GAAP VARIABLE PROFIT (in millions) (unaudited) $ (36.3) 25.5 41% For the Three Months Ended December 31 2022 2021 61.8 $ 41.2 1.0 42.2 $ $ 55.8 $ (33.8) 22.0 42.2 (22.0) 20.2 48% $ $ $ $ For the Year Ended December 31, 2022 2021 $ 204.8 6.3 211.1 $ For the Year Ended December 31, 2022 2021 339.2 $ (213.6) 125.6 $ For the Year Ended December 31, 2022 2021 211.1 $ (125.6) 85.5 $ 41% 153.0 4.6 157.6 199.9 (126.3) 73.6 157.6 (73.6) 84.0 53% 37

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