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      "text": "DAVE INC.\nRECONCILIATION OF NET LOSS TO ADJUSTED EBITDA\n(in millions)\n(unaudited)\nFor the Three Months Ended September 30,\n2023\n2022\nFor the Nine Months Ended September 30,\n2023\n2022\nNet loss\n$ (12.1) $ (47.5) $ (48.7) $ (107.4)\nInterest expense, net\n1.7\n1.3\n5.0\n4.4\nProvision for income taxes\n—\n—\n—\n0.1\nDepreciation and amortization\n1.4\n2.4\n3.7\n5.1\nStock-based compensation\n6.7\n8.0\n20.1\n34.1\nLegal settlement and litigation expenses\n—\n6.8\n—\n6.8\nOther strategic financing and transactional expenses\n—\n2.2\n—\n5.0\nChanges in fair value of earnout liabilities\n—\n—\n—\n(9.6)\nGain on extinguishment of liability\n—\n—\n—\n(4.3)\nChanges in fair value of derivative asset on loans to stockholders\n—\n—\n—\n5.6\nChanges in fair value of public and private warrant liabilities\n(0.2)\n(0.7)\n(0.2)\n(14.2)\nAdjusted EBITDA\n$ (2.5) $ (27.5) $ (20.1) $ (74.4)",
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