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      "text": "DAVE INC.\nRECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA (LOSS)\n(in millions)\n(unaudited)\nFor the Three Months Ended September 30,\nFor Nine Months Ended September 30,\n2024\n2023\n2024\n2023\nNet income (loss)\n$ 0.5 $ (12.1) $ 41.1 $ (48.7)\nInterest expense, net\n1.5\n1.7\n3.7\n5.0\nProvision for income taxes\n0.4\n—\n1.8\n—\nDepreciation and amortization\n1.7\n1.4\n5.1\n3.7\nStock-based compensation\n13.4\n6.7\n27.2\n20.1\nLegal settlement and litigation accrual\n7.0\n—\n7.0\n—\nGain on extinguishment of convertible debt\n—\n—\n(33.4)\n—\nChanges in fair value of earnout liabilities\n—\n—\n0.1\n—\nChanges in fair value of public and private warrant liabilities\n0.2\n(0.2)\n0.4\n(0.2)\nAdjusted EBITDA (loss)\n$ 24.7 $ (2.5) $ 53.0 $ (20.1)",
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