Dave is trading 13% down at $292.50 after investors reacted to a mixed third-quarter report. - Adjusted EPS of $4.39 missed the $4.45 consensus, while revenue beat estimates and management raised its full-year outlook. - The $37 million credit-loss provision was above forecast, and gross margin declined to 70% from 72% in Q2, raising concerns about credit and funding costs despite stronger revenue growth.