Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $3.10 billion. The enterprise value is $3.24 billion.
| Market Cap | 3.10B |
| Enterprise Value | 3.24B |
Important Dates
The next estimated earnings date is Monday, August 4, 2025, after market close.
| Earnings Date | Aug 4, 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 (%) | 20.42% |
| Owned by Institutions (%) | 59.57% |
| Float | 8.45M |
Valuation Ratios
The trailing PE ratio is 63.01 and the forward PE ratio is 38.05.
| PE Ratio | 63.01 |
| Forward PE | 38.05 |
| PS Ratio | 8.19 |
| Forward PS | 6.60 |
| PB Ratio | 14.40 |
| P/TBV Ratio | 17.52 |
| P/FCF Ratio | 21.46 |
| P/OCF Ratio | 21.42 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 49.94, with an EV/FCF ratio of 21.37.
| EV / Earnings | 61.85 |
| EV / Sales | 8.50 |
| EV / EBITDA | 49.94 |
| EV / EBIT | 50.40 |
| EV / FCF | 21.37 |
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 +576.50% in the last 52 weeks. The beta is 3.99, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.99 |
| 52-Week Price Change | +576.50% |
| 50-Day Moving Average | 200.45 |
| 200-Day Moving Average | 109.00 |
| Relative Strength Index (RSI) | 50.86 |
| Average Volume (20 Days) | 484,973 |
Short Selling Information
The latest short interest is 857,030, so 6.45% of the outstanding shares have been sold short.
| Short Interest | 857,030 |
| Short Previous Month | 809,507 |
| Short % of Shares Out | 6.45% |
| Short % of Float | 10.14% |
| Short Ratio (days to cover) | 1.88 |
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 | 1.61% |
| FCF Yield | 4.66% |
Analyst Forecast
The average price target for Dave Inc. is $227.50, which is -2.41% lower than the current price. The consensus rating is "Strong Buy".
| Price Target | $227.50 |
| Price Target Difference | -2.41% |
| 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 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 |