Dave Inc. (DAVE)

NASDAQ: DAVE · USD

$322

-6.60 (-2.0%)· Recorded snapshot

Market cap	4.1B
Revenue (ttm)	643.7M
Net income (ttm)	222.6M
EPS (ttm)	$15.6
Shares out	12.8M
P/E (trailing)	20.6x
P/E (forward)	17.7x
Volume	164,225
Beta	3.93

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 643.7M
Net income (ttm): 222.6M
EPS (ttm): $15.6
P/E (trailing): 20.6x
P/E (forward): 17.7x
Market cap: 4.1B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E17.7

P25 n/aP50 n/aP75 n/a

Trailing P/E20.6

P25 n/aP50 n/aP75 n/a

ROE104.8

P25 n/aP50 n/aP75 n/a

ROIC90.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DAVE indicators

Market & fundamental data

Available fields

249

Groups with data

Currency

USD

Showing 249 of 249 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001841408
Company name	Dave Inc.
Country	United States
Country code	US
CUSIP number	23834J201
Earnings date	2026-11-04
Earnings time	amc
Employees	280
Employees change	6
Employees growth	2.19%
Enterprise value	$4.1B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2017
In index	RUSSELL2000
Industry	Software - Application
Is primary listing	Yes
Is SPAC	No
ISIN number	US23834J2015
Last 10-K release date	2026-03-02
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split date	2023-01-06
Last stock split type	Reverse
Market cap	$4.1B
Market cap category	Mid-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$321.87
Price currency	USD
Sector	Technology
SIC code	6199
Stock price date	2026-10-28
Symbol	DAVE
U.S. state	California
Website	https://dave.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	20.51x
Average P/E ratio (3Y)	21.69x
Earnings yield	4.85%
EV/Earnings	18.54x
EV/EBIT	17.81x
EV/EBITDA	17.77x
EV/FCF	12.64x
EV/Sales	6.41x
FCF / EV yield	7.91%
FCF yield	7.94%
Forward EV/Sales	5.07x
Forward P/E	17.7x
Forward P/S	5.05x
Graham number	75.6748
Graham upside	-76.53%
Industry forward P/E	19.47x
Industry P/E	71.8x
P/(FCF - SBC) ratio	14.23x
P/(OCF - SBC) ratio	14.21x
P/B ratio	20.15x
P/E ratio	20.61x
P/FCF ratio	12.6x
P/OCF ratio	12.58x
P/S ratio	6.39x
Price / tangible book value	21.24x
Price/EBITDA ratio	17.71x
Sector forward P/E	18.55x
Sector P/E	32.64x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	36.01%
EBITDA margin	36.1%
FCF margin	50.73%
Gross margin	71.75%
Operating margin	36.01%
Pretax margin	32.24%
Profit margin	34.59%
Profit per employee	$795,129
Profitable quarters	11
Profitable years	2
Revenue per employee	$2.3M
ROA	31.01%
ROA (5Y)	-6.15%
ROCE	51.76%
ROE	104.78%
ROE (5Y)	-31.35%
ROIC	90.14%
ROIC (5Y)	-36.15%
SBC / revenue	5.83%
Tax / revenue	-2.35%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	306.31%
EPS growth (Q)	-20.97%
EPS growth (QoQ)	-87.81%
EPS growth years	3
FCF growth	70.12%
FCF growth (Q)	0.06%
FCF growth (QoQ)	-16.9%
FCF growth 5Y	93.32%
Gross profit growth	72.64%
Gross profit growth (Q)	28.44%
Gross profit growth 3Y	61.43%
Gross profit growth 5Y	40.01%
Net income growth	303.88%
Net income growth (Q)	-26.03%
Net income growth (QoQ)	-88.46%
Net income growth years	3
OCF growth	70.08%
OCF growth (Q)	0.21%
OCF growth (QoQ)	-16.63%
OCF growth 5Y	93.08%
Operating income growth	117.09%
Operating income growth (Q)	36.96%
Revenue growth	48.63%
Revenue growth (Q)	29.63%
Revenue growth (QoQ)	7.81%
Revenue growth 3Y	39.59%
Revenue growth 5Y	35.84%
Revenue growth quarters	19
Revenue growth years	6

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-404,000
Depreciation and amortization	$550,000
EBIT	$231.8M
EBITDA	$232.3M
EPS	$15.62
FCF per share	$25.60
Financing cash flow	$-75.4M
Free cash flow	$326.5M
Free cash flow minus SBC	$289M
Gross profit	$461.8M
Income taxes	$-15.2M
Investing cash flow	$-103.6M
Net borrowing	$192.7M
Net cash flow	$147.9M
Net income	$222.6M
Operating cash flow minus SBC	$289.4M
Operating income	$231.8M
Revenue	$643.7M
Stock-based compensation	$37.5M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	8.43
Book value per share	$16.30
Debt / EBITDA	1.15
Debt / equity	1.29
Debt / FCF	0.82
Interest coverage	31.94
Long-term assets	$51.7M
Long-term liabilities	$240M
Net cash (debt)	$-14.4M
Net cash / market cap	-0.35%
Net debt / EBITDA	0.06
Net debt / equity	0.07
Net debt / FCF	0.04
Piotroski F-Score	5
Property, plant and equipment	$813,000
Shareholders' equity	$207.9M
Tangible book value	$193.7M
Tangible book value per share	$15.19
Total assets	$570.8M
Total cash	$254.1M
Total debt	$268.5M
Total liabilities	$362.9M
WACC	24.41%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.38
Current assets	$519.1M
Current liabilities	$122.9M
Current ratio	4.22
Net working capital	$217.3M
Quick ratio	2.18
Working capital	$396.2M
Working capital turnover	1.82

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.57%
Dividend yield	0%
Shareholder yield	0.57%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$317.58
1D price change	-2.01%
1M price change	-1.24%
1M total return	-1.24%
1W price change	-11.78%
1W total return	-11.78%
1Y price change	25.3%
1Y return CAGR	25.32%
1Y total return	25.3%
20-day SMA	$354.56
200-day SMA	$285.86
3M price change	-20.91%
3M total return	-20.91%
3Y price change	6,022.9%
3Y return CAGR	294.02%
3Y total return	6,022.9%
50-day SMA	$354.06
50-day SMA vs 200-day SMA	50over200
52-week high	$458.25
52-week high date	2026-07-21
52-week low	$152.21
52-week low date	2026-02-05
5Y price change	0.72%
5Y return CAGR	0.14%
5Y total return	0.72%
6M price change	14.8%
6M total return	14.8%
All-time high	$491.07
All-time high date	2022-02-02
All-time low	$4.47
All-time low date	2023-05-10
Average true range (ATR)	$20.69
Average volume	272.9K
Beta (1Y)	1.93
Beta (2Y)	2.03
Beta (5Y)	3.93
Change from 52-week high	-29.76%
Change from 52-week low	111.46%
Change from all-time high	-34.66%
Change from all-time low	7,082.45%
Change from open	-3.46%
Day's gap	1.5%
Dollar volume	$52.9M
High price	$333.42
Low price	$320.50
Monthly RSI	63.66
Open price	$333.39
Position in 52-week range	10.6%
Premarket change	1.38%
Premarket close	$328.47
Premarket price	$333.00
Premarket volume	404
Previous close	$328.47
Price vs 150-day SMA	1.03%
Price vs 20-day SMA	-9.51%
Price vs 200-day SMA	12.24%
Price vs 50-day SMA	-9.38%
Relative volume	0.6
RSI	39.69
Sharpe ratio	0.62
Sharpe ratio (3Y)	1.86
Sharpe ratio (5Y)	0.45
Sortino ratio	0.97
Sortino ratio (3Y)	3.54
Sortino ratio (5Y)	0.77
Volume	164.2K
Weekly RSI	49.72
YTD price change	44.91%
YTD total return	44.91%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	9.5M
Float percentage	74.84%
Shares change (QoQ)	-5%
Shares change (YoY)	-0.57%
Shares held by insiders	19.65%
Shares held by institutions	93.02%
Shares outstanding	12.8M
Short % of float	24.94%
Short % of shares	18.66%
Short ratio	6.9 days

Deeper analysis on DAVE

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this DAVE report

Is a complete DAVE research report available?

No complete published report is available for Dave Inc. (DAVE) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Dave Inc. (DAVE)

Price

Financial snapshot

Fair-value bridge

Latest news · DAVE

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DAVE indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DAVE

Frequently asked questions