Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $2.78 billion. The enterprise value is $2.76 billion.
| Market Cap | 2.78B |
| Enterprise Value | 2.76B |
Important Dates
The last earnings date was Thursday, May 8, 2025, before market open.
| Earnings Date | May 8, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 13.29 million shares outstanding. The number of shares has increased by 17.89% in one year.
| Current Share Class | 11.78M |
| Shares Outstanding | 13.29M |
| Shares Change (YoY) | +17.89% |
| Shares Change (QoQ) | +1.13% |
| Owned by Insiders (%) | 21.28% |
| Owned by Institutions (%) | 60.59% |
| Float | 8.44M |
Valuation Ratios
The trailing PE ratio is 56.26 and the forward PE ratio is 34.54.
| PE Ratio | 56.26 |
| Forward PE | 34.54 |
| PS Ratio | 7.03 |
| Forward PS | 6.21 |
| PB Ratio | 12.37 |
| P/TBV Ratio | 14.94 |
| P/FCF Ratio | 18.30 |
| P/OCF Ratio | 18.26 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 42.56, with an EV/FCF ratio of 18.21.
| EV / Earnings | 52.70 |
| EV / Sales | 7.25 |
| EV / EBITDA | 42.56 |
| EV / EBIT | 42.94 |
| EV / FCF | 18.21 |
Financial Position
The company has a current ratio of 8.59, with a Debt / Equity ratio of 0.38.
| Current Ratio | 8.59 |
| Quick Ratio | 2.53 |
| Debt / Equity | 0.38 |
| Debt / EBITDA | 1.16 |
| Debt / FCF | 0.50 |
| Interest Coverage | 8.55 |
Financial Efficiency
Return on equity (ROE) is 32.10% and return on invested capital (ROIC) is 16.83%.
| Return on Equity (ROE) | 32.10% |
| Return on Assets (ROA) | 14.59% |
| Return on Invested Capital (ROIC) | 16.83% |
| Return on Capital Employed (ROCE) | 22.91% |
| Revenue Per Employee | $1.39M |
| Profits Per Employee | $191,394 |
| Employee Count | 274 |
| Asset Turnover | 1.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Dave Inc. has paid $4.33 million in taxes.
| Income Tax | 4.33M |
| Effective Tax Rate | 7.63% |
Stock Price Statistics
The stock price has increased by +447.73% in the last 52 weeks. The beta is 3.95, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.95 |
| 52-Week Price Change | +447.73% |
| 50-Day Moving Average | 127.90 |
| 200-Day Moving Average | 85.17 |
| Relative Strength Index (RSI) | 73.75 |
| Average Volume (20 Days) | 601,554 |
Short Selling Information
The latest short interest is 904,240, so 6.80% of the outstanding shares have been sold short.
| Short Interest | 904,240 |
| Short Previous Month | 975,814 |
| Short % of Shares Out | 6.80% |
| Short % of Float | 10.71% |
| Short Ratio (days to cover) | 1.71 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $381.43 million and earned $52.44 million in profits. Earnings per share was $3.70.
| Revenue | 381.43M |
| Gross Profit | 241.68M |
| Operating Income | 64.36M |
| Pretax Income | n/a |
| Net Income | 52.44M |
| EBITDA | 64.95M |
| EBIT | 64.36M |
| Earnings Per Share (EPS) | $3.70 |
Balance Sheet
The company has $88.08 million in cash and $75.47 million in debt, giving a net cash position of $12.61 million or $0.95 per share.
| Cash & Cash Equivalents | 88.08M |
| Total Debt | 75.47M |
| Net Cash | 12.61M |
| Net Cash Per Share | $0.95 |
| Equity (Book Value) | 199.46M |
| Book Value Per Share | 17.01 |
| Working Capital | 264.01M |
Cash Flow
In the last 12 months, operating cash flow was $152.04 million and capital expenditures -$287,000, giving a free cash flow of $151.75 million.
| Operating Cash Flow | 152.04M |
| Capital Expenditures | -287,000 |
| Free Cash Flow | 151.75M |
| FCF Per Share | $11.42 |
Margins
Gross margin is 63.36%, with operating and profit margins of 16.87% and 13.75%.
| Gross Margin | 63.36% |
| Operating Margin | 16.87% |
| Pretax Margin | 14.89% |
| Profit Margin | 13.75% |
| EBITDA Margin | 17.03% |
| EBIT Margin | 16.87% |
| FCF Margin | 39.79% |
Dividends & Yields
Dave Inc. does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -17.89% |
| Shareholder Yield | -17.89% |
| Earnings Yield | 1.89% |
| FCF Yield | 5.47% |
Analyst Forecast
The average price target for Dave Inc. is $169.71, which is -18.72% lower than the current price. The consensus rating is "Strong Buy".
| Price Target | $169.71 |
| Price Target Difference | -18.72% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | 17.68% |
| EPS Growth Forecast (5Y) | 26.53% |
Stock Splits
The last stock split was on January 6, 2023. It was a reverse split with a ratio of 0.03125:1.
| Last Split Date | Jan 6, 2023 |
| Split Type | Reverse |
| Split Ratio | 0.03125:1 |
Scores
Dave Inc. has an Altman Z-Score of 6.19 and a Piotroski F-Score of 7.
| Altman Z-Score | 6.19 |
| Piotroski F-Score | 7 |