{"podcast":{"title":"The Free Toaster","slug":"the-free-toaster-7173245","podcast_index_feed_id":7173245,"rss_url":"https://feed.podbean.com/thefreetoaster/feed.xml","website_url":"https://thefreetoaster.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/20058005/The_Free_Toaster_Podcast_Logo_1_9g674.jpg","author":"thefreetoaster","episode_count":84,"summary":"The Free Toaster is your best resource at the intersection of marketing, lending, and fintech. We deliver news, data, and insights to help you acquire more customers.","last_synced_at":"2026-08-01T10:19:33.484383+00:00","page_url":"https://stenobird.com/podcast/the-free-toaster-7173245"},"episode":{"title":"News Pod #10 - Dave's Q4 2025 Earnings Report","slug":"news-pod-10-dave-s-q4-2025-earnings-report","published_at":"2026-03-14T00:18:34+00:00","page_url":"https://stenobird.com/podcast/the-free-toaster-7173245/news-pod-10-dave-s-q4-2025-earnings-report","show_page_url":"https://stenobird.com/podcast/the-free-toaster-7173245","url":"https://thefreetoaster.podbean.com/e/news-pod-10-daves-q4-2025-earnings-report/","audio_url":"https://mcdn.podbean.com/mf/web/m3tnxqbzkhw3iv4i/AUDIO_News_Pod_10_LM_V1.mp3","summary":"Carlos and Nick discuss Dave's record-breaking Q4 2025 Earnings Report. They also discuss Dave's rise to $4B valuation, drop down to a $50MM valuation, and pop back to $2.85B. Additionally, we break down their customer acquisition strategy and ask questions regarding their long-term viability given the DOJ case out there.They expand on the Free Toaster article recently published here: https://www.thefreetoaster.com/p/how-dave-scaled-to-1637m-in-q4-revenue Dave's Meta Ads library Carlos referenced is here:https://www.facebook.com/ads/library/?active_status=all&ad_type=credit_ads&country=US&is_targeted_country=false&media_type=all&search_type=page&sort_data[mode]=relevancy_monthly_grouped&sort_data[direction]=desc&view_all_page_id=1719276031734555 ***** Sign up for The Free Toaster Newsletter (www.thefreetoaster.com) to get our curated news at the intersection of consumer lending & marketing, published every Wednesday.And then come here on Fridays to get our hot takes on a select story (or two) from that edition. ***** A word from our sponsor, Spinwheel: Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=feb A word from our sponsor, Fintel Connect Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-…","meta_description":"Carlos and Nick discuss Dave's record-breaking Q4 2025 Earnings Report. They also discuss Dave's rise to $4B valuation, drop down to a $50MM valuation, an…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1305,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-free-toaster-7173245/episodes/news-pod-10-dave-s-q4-2025-earnings-report/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-free-toaster-7173245/news-pod-10-dave-s-q4-2025-earnings-report.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}