Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $3.29 billion. The enterprise value is $3.27 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, before market open.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 13.50 million shares outstanding. The number of shares has increased by 9.78% in one year.
| Current Share Class | 12.19M |
| Shares Outstanding | 13.50M |
| Shares Change (YoY) | +9.78% |
| Shares Change (QoQ) | -0.20% |
| Owned by Insiders (%) | 18.80% |
| Owned by Institutions (%) | 70.58% |
| Float | 9.08M |
Valuation Ratios
The trailing PE ratio is 24.06 and the forward PE ratio is 22.16. Dave Inc.'s PEG ratio is 0.55.
| PE Ratio | 24.06 |
| Forward PE | 22.16 |
| PS Ratio | 6.54 |
| Forward PS | 5.69 |
| PB Ratio | 11.29 |
| P/TBV Ratio | 11.85 |
| P/FCF Ratio | 13.80 |
| P/OCF Ratio | 13.79 |
| PEG Ratio | 0.55 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 22.78, with an EV/FCF ratio of 13.74.
| EV / Earnings | 22.30 |
| EV / Sales | 6.66 |
| EV / EBITDA | 22.78 |
| EV / EBIT | 22.86 |
| EV / FCF | 13.74 |
Financial Position
The company has a current ratio of 8.69, with a Debt / Equity ratio of 0.26.
| Current Ratio | 8.69 |
| Quick Ratio | 2.07 |
| Debt / Equity | 0.26 |
| Debt / EBITDA | 0.52 |
| Debt / FCF | 0.32 |
| Interest Coverage | 19.97 |
Financial Efficiency
Return on equity (ROE) is 65.63% and return on invested capital (ROIC) is 29.91%.
| Return on Equity (ROE) | 65.63% |
| Return on Assets (ROA) | 25.36% |
| Return on Invested Capital (ROIC) | 29.91% |
| Return on Capital Employed (ROCE) | 36.81% |
| Revenue Per Employee | $1.79M |
| Profits Per Employee | $535,511 |
| Employee Count | 274 |
| Asset Turnover | 1.39 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -25.43M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +546.32% in the last 52 weeks. The beta is 3.90, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.90 |
| 52-Week Price Change | +546.32% |
| 50-Day Moving Average | 219.10 |
| 200-Day Moving Average | 169.66 |
| Relative Strength Index (RSI) | 57.29 |
| Average Volume (20 Days) | 485,552 |
Short Selling Information
The latest short interest is 1.63 million, so 12.04% of the outstanding shares have been sold short.
| Short Interest | 1.63M |
| Short Previous Month | 1.72M |
| Short % of Shares Out | 12.04% |
| Short % of Float | 17.91% |
| Short Ratio (days to cover) | 3.98 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $491.30 million and earned $146.73 million in profits. Earnings per share was $10.12.
| Revenue | 491.30M |
| Gross Profit | 351.63M |
| Operating Income | 143.12M |
| Pretax Income | 121.30M |
| Net Income | 146.73M |
| EBITDA | 143.60M |
| EBIT | 143.12M |
| Earnings Per Share (EPS) | $10.12 |
Full Income StatementBalance Sheet
The company has $91.74 million in cash and $75.30 million in debt, giving a net cash position of $16.44 million or $1.22 per share.
| Cash & Cash Equivalents | 91.74M |
| Total Debt | 75.30M |
| Net Cash | 16.44M |
| Net Cash Per Share | $1.22 |
| Equity (Book Value) | 291.31M |
| Book Value Per Share | 21.57 |
| Working Capital | 341.58M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $238.45 million and capital expenditures -$276,000, giving a free cash flow of $238.17 million.
| Operating Cash Flow | 238.45M |
| Capital Expenditures | -276,000 |
| Free Cash Flow | 238.17M |
| FCF Per Share | $17.64 |
Full Cash Flow StatementMargins
Gross margin is 71.57%, with operating and profit margins of 29.13% and 29.87%.
| Gross Margin | 71.57% |
| Operating Margin | 29.13% |
| Pretax Margin | 24.69% |
| Profit Margin | 29.87% |
| EBITDA Margin | 29.23% |
| EBIT Margin | 29.13% |
| FCF Margin | 48.48% |
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 | -9.78% |
| Shareholder Yield | -9.78% |
| Earnings Yield | 4.46% |
| FCF Yield | 7.24% |
Analyst Forecast
The average price target for Dave Inc. is $282.17, which is 15.90% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $282.17 |
| Price Target Difference | 15.90% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| 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 10.57 and a Piotroski F-Score of 7.
| Altman Z-Score | 10.57 |
| Piotroski F-Score | 7 |
