Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $3.10 billion. The enterprise value is $3.07 billion.
| Market Cap | 3.10B |
| Enterprise Value | 3.07B |
Important Dates
The next estimated earnings date is Tuesday, November 11, 2025, after market close.
| Earnings Date | Nov 11, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 13.50 million shares outstanding. The number of shares has increased by 12.71% in one year.
| Current Share Class | 12.08M |
| Shares Outstanding | 13.50M |
| Shares Change (YoY) | +12.71% |
| Shares Change (QoQ) | -0.63% |
| Owned by Insiders (%) | 20.04% |
| Owned by Institutions (%) | 69.57% |
| Float | 9.01M |
Valuation Ratios
The trailing PE ratio is 59.69 and the forward PE ratio is 28.47.
| PE Ratio | 59.69 |
| Forward PE | 28.47 |
| PS Ratio | 6.88 |
| Forward PS | 5.56 |
| PB Ratio | 14.26 |
| P/TBV Ratio | 15.25 |
| P/FCF Ratio | 16.13 |
| P/OCF Ratio | 16.11 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 30.63, with an EV/FCF ratio of 15.99.
| EV / Earnings | 55.68 |
| EV / Sales | 7.09 |
| EV / EBITDA | 30.63 |
| EV / EBIT | 30.76 |
| EV / FCF | 15.99 |
Financial Position
The company has a current ratio of 9.51, with a Debt / Equity ratio of 0.35.
| Current Ratio | 9.51 |
| Quick Ratio | 2.83 |
| Debt / Equity | 0.35 |
| Debt / EBITDA | 0.75 |
| Debt / FCF | 0.39 |
| Interest Coverage | 13.59 |
Financial Efficiency
Return on equity (ROE) is 30.72% and return on invested capital (ROIC) is 24.46%.
| Return on Equity (ROE) | 30.72% |
| Return on Assets (ROA) | 20.42% |
| Return on Invested Capital (ROIC) | 24.46% |
| Return on Capital Employed (ROCE) | 30.50% |
| Revenue Per Employee | $1.58M |
| Profits Per Employee | $201,182 |
| Employee Count | 274 |
| Asset Turnover | 1.42 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Dave Inc. has paid $8.58 million in taxes.
| Income Tax | 8.58M |
| Effective Tax Rate | 13.47% |
Stock Price Statistics
The stock price has increased by +577.56% in the last 52 weeks. The beta is 3.94, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.94 |
| 52-Week Price Change | +577.56% |
| 50-Day Moving Average | 212.35 |
| 200-Day Moving Average | 144.57 |
| Relative Strength Index (RSI) | 61.28 |
| Average Volume (20 Days) | 402,255 |
Short Selling Information
The latest short interest is 1.39 million, so 10.33% of the outstanding shares have been sold short.
| Short Interest | 1.39M |
| Short Previous Month | 1.13M |
| Short % of Shares Out | 10.33% |
| Short % of Float | 15.47% |
| Short Ratio (days to cover) | 2.25 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $433.07 million and earned $55.12 million in profits. Earnings per share was $3.84.
| Revenue | 433.07M |
| Gross Profit | 289.94M |
| Operating Income | 99.77M |
| Pretax Income | n/a |
| Net Income | 55.12M |
| EBITDA | 100.21M |
| EBIT | 99.77M |
| Earnings Per Share (EPS) | $3.84 |
Balance Sheet
The company has $102.85 million in cash and $75.38 million in debt, giving a net cash position of $27.47 million or $2.04 per share.
| Cash & Cash Equivalents | 102.85M |
| Total Debt | 75.38M |
| Net Cash | 27.47M |
| Net Cash Per Share | $2.04 |
| Equity (Book Value) | 217.07M |
| Book Value Per Share | 16.08 |
| Working Capital | 309.96M |
Cash Flow
In the last 12 months, operating cash flow was $192.23 million and capital expenditures -$279,000, giving a free cash flow of $191.95 million.
| Operating Cash Flow | 192.23M |
| Capital Expenditures | -279,000 |
| Free Cash Flow | 191.95M |
| FCF Per Share | $14.22 |
Margins
Gross margin is 66.95%, with operating and profit margins of 23.04% and 12.73%.
| Gross Margin | 66.95% |
| Operating Margin | 23.04% |
| Pretax Margin | 14.71% |
| Profit Margin | 12.73% |
| EBITDA Margin | 23.14% |
| EBIT Margin | 23.04% |
| FCF Margin | 44.32% |
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 | -12.71% |
| Shareholder Yield | -12.71% |
| Earnings Yield | 1.78% |
| FCF Yield | 6.20% |
Analyst Forecast
The average price target for Dave Inc. is $262.17, which is 14.28% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $262.17 |
| Price Target Difference | 14.28% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | 26.53% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on January 6, 2023. It was a reverse split with a ratio of 1:32.
| Last Split Date | Jan 6, 2023 |
| Split Type | Reverse |
| Split Ratio | 1:32 |
Scores
Dave Inc. has an Altman Z-Score of 7.36 and a Piotroski F-Score of 7.
| Altman Z-Score | 7.36 |
| Piotroski F-Score | 7 |