Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $3.52 billion. The enterprise value is $3.47 billion.
Important Dates
The next estimated earnings date is Tuesday, May 5, 2026, before market open.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 12.81 million shares outstanding. The number of shares has increased by 4.76% in one year.
| Current Share Class | 11.50M |
| Shares Outstanding | 12.81M |
| Shares Change (YoY) | +4.76% |
| Shares Change (QoQ) | -0.57% |
| Owned by Insiders (%) | 20.76% |
| Owned by Institutions (%) | 82.64% |
| Float | 10.15M |
Valuation Ratios
The trailing PE ratio is 20.29 and the forward PE ratio is 20.92. Dave Inc.'s PEG ratio is 0.52.
| PE Ratio | 20.29 |
| Forward PE | 20.92 |
| PS Ratio | 6.35 |
| Forward PS | 4.97 |
| PB Ratio | 10.55 |
| P/TBV Ratio | 10.38 |
| P/FCF Ratio | 12.14 |
| P/OCF Ratio | 12.13 |
| PEG Ratio | 0.52 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 18.10, with an EV/FCF ratio of 11.98.
| EV / Earnings | 17.73 |
| EV / Sales | 6.26 |
| EV / EBITDA | 18.10 |
| EV / EBIT | 18.17 |
| EV / FCF | 11.98 |
Financial Position
The company has a current ratio of 3.83, with a Debt / Equity ratio of 0.21.
| Current Ratio | 3.83 |
| Quick Ratio | 1.06 |
| Debt / Equity | 0.21 |
| Debt / EBITDA | 0.39 |
| Debt / FCF | 0.26 |
| Interest Coverage | 27.14 |
Financial Efficiency
Return on equity (ROE) is 73.11% and return on invested capital (ROIC) is 65.74%.
| Return on Equity (ROE) | 73.11% |
| Return on Assets (ROA) | 30.37% |
| Return on Invested Capital (ROIC) | 65.74% |
| Return on Capital Employed (ROCE) | 51.18% |
| Weighted Average Cost of Capital (WACC) | 24.90% |
| Revenue Per Employee | $1.98M |
| Profits Per Employee | $699,518 |
| Employee Count | 280 |
| Asset Turnover | 1.41 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -27.84M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +219.59% in the last 52 weeks. The beta is 3.82, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.82 |
| 52-Week Price Change | +219.59% |
| 50-Day Moving Average | 203.48 |
| 200-Day Moving Average | 207.79 |
| Relative Strength Index (RSI) | 76.18 |
| Average Volume (20 Days) | 598,945 |
Short Selling Information
The latest short interest is 1.27 million, so 9.94% of the outstanding shares have been sold short.
| Short Interest | 1.27M |
| Short Previous Month | 1.16M |
| Short % of Shares Out | 9.94% |
| Short % of Float | 12.55% |
| Short Ratio (days to cover) | 1.87 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $554.18 million and earned $195.87 million in profits. Earnings per share was $13.53.
| Revenue | 554.18M |
| Gross Profit | 389.14M |
| Operating Income | 191.12M |
| Pretax Income | 168.03M |
| Net Income | 195.87M |
| EBITDA | 191.85M |
| EBIT | 191.12M |
| Earnings Per Share (EPS) | $13.53 |
Full Income StatementBalance Sheet
The company has $121.31 million in cash and $75.20 million in debt, with a net cash position of $46.11 million or $3.60 per share.
| Cash & Cash Equivalents | 121.31M |
| Total Debt | 75.20M |
| Net Cash | 46.11M |
| Net Cash Per Share | $3.60 |
| Equity (Book Value) | 352.73M |
| Book Value Per Share | 26.03 |
| Working Capital | 322.70M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $290.02 million and capital expenditures -$317,000, giving a free cash flow of $289.71 million.
| Operating Cash Flow | 290.02M |
| Capital Expenditures | -317,000 |
| Depreciation & Amortization | 731,000 |
| Net Borrowing | n/a |
| Free Cash Flow | 289.71M |
| FCF Per Share | $22.61 |
Full Cash Flow StatementMargins
Gross margin is 70.22%, with operating and profit margins of 34.49% and 35.34%.
| Gross Margin | 70.22% |
| Operating Margin | 34.49% |
| Pretax Margin | 30.32% |
| Profit Margin | 35.34% |
| EBITDA Margin | 34.62% |
| EBIT Margin | 34.49% |
| FCF Margin | 52.28% |
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 | -4.76% |
| Shareholder Yield | -4.76% |
| Earnings Yield | 5.57% |
| FCF Yield | 8.23% |
Analyst Forecast
The average price target for Dave Inc. is $312.75, which is 13.91% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $312.75 |
| Price Target Difference | 13.91% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 8 |
| 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 | 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 13.57 and a Piotroski F-Score of 6.
| Altman Z-Score | 13.57 |
| Piotroski F-Score | 6 |
