Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $4.10 billion. The enterprise value is $4.12 billion.
| Market Cap | 4.10B |
| Enterprise Value | 4.12B |
Important Dates
The next estimated earnings date is Tuesday, November 3, 2026, before market open.
| Earnings Date | Nov 3, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 12.76 million shares outstanding. The number of shares has decreased by -0.57% in one year.
| Current Share Class | 11.44M |
| Shares Outstanding | 12.76M |
| Shares Change (YoY) | -0.57% |
| Shares Change (QoQ) | -5.00% |
| Owned by Insiders (%) | 19.65% |
| Owned by Institutions (%) | 92.79% |
| Float | 9.55M |
Valuation Ratios
The trailing PE ratio is 20.59 and the forward PE ratio is 17.76.
| PE Ratio | 20.59 |
| Forward PE | 17.76 |
| PS Ratio | 6.37 |
| Forward PS | 5.06 |
| PB Ratio | 19.73 |
| P/TBV Ratio | 21.17 |
| P/FCF Ratio | 12.56 |
| P/OCF Ratio | 12.54 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 17.71, with an EV/FCF ratio of 12.60.
| EV / Earnings | 18.48 |
| EV / Sales | 6.39 |
| EV / EBITDA | 17.71 |
| EV / EBIT | 17.75 |
| EV / FCF | 12.60 |
Financial Position
The company has a current ratio of 4.22, with a Debt / Equity ratio of 1.29.
| Current Ratio | 4.22 |
| Quick Ratio | 2.18 |
| Debt / Equity | 1.29 |
| Debt / EBITDA | 1.15 |
| Debt / FCF | 0.82 |
| Interest Coverage | 31.94 |
Financial Efficiency
Return on equity (ROE) is 104.78% and return on invested capital (ROIC) is 90.14%.
| Return on Equity (ROE) | 104.78% |
| Return on Assets (ROA) | 31.01% |
| Return on Invested Capital (ROIC) | 90.14% |
| Return on Capital Employed (ROCE) | 51.76% |
| Weighted Average Cost of Capital (WACC) | 23.94% |
| Revenue Per Employee | $2.30M |
| Profits Per Employee | $795,129 |
| Employee Count | 280 |
| Asset Turnover | 1.38 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -15.15M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +52.47% in the last 52 weeks. The beta is 3.84, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.84 |
| 52-Week Price Change | +52.47% |
| 50-Day Moving Average | 360.16 |
| 200-Day Moving Average | 272.33 |
| Relative Strength Index (RSI) | 40.37 |
| Average Volume (20 Days) | 314,835 |
Short Selling Information
The latest short interest is 2.27 million, so 17.77% of the outstanding shares have been sold short.
| Short Interest | 2.27M |
| Short Previous Month | 2.42M |
| Short % of Shares Out | 17.77% |
| Short % of Float | 23.74% |
| Short Ratio (days to cover) | 6.35 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $643.65 million and earned $222.64 million in profits. Earnings per share was $15.62.
| Revenue | 643.65M |
| Gross Profit | 461.81M |
| Operating Income | 231.79M |
| Pretax Income | 207.48M |
| Net Income | 222.64M |
| EBITDA | 232.34M |
| EBIT | 231.79M |
| Earnings Per Share (EPS) | $15.62 |
Balance Sheet
The company has $254.07 million in cash and $268.47 million in debt, with a net cash position of -$14.40 million or -$1.13 per share.
| Cash & Cash Equivalents | 254.07M |
| Total Debt | 268.47M |
| Net Cash | -14.40M |
| Net Cash Per Share | -$1.13 |
| Equity (Book Value) | 207.89M |
| Book Value Per Share | 16.30 |
| Working Capital | 396.17M |
Cash Flow
In the last 12 months, operating cash flow was $326.95 million and capital expenditures -$404,000, giving a free cash flow of $326.54 million.
| Operating Cash Flow | 326.95M |
| Capital Expenditures | -404,000 |
| Depreciation & Amortization | 550,000 |
| Net Borrowing | 192.70M |
| Free Cash Flow | 326.54M |
| FCF Per Share | $25.60 |
Margins
Gross margin is 71.75%, with operating and profit margins of 36.01% and 34.59%.
| Gross Margin | 71.75% |
| Operating Margin | 36.01% |
| Pretax Margin | 32.24% |
| Profit Margin | 34.59% |
| EBITDA Margin | 36.10% |
| EBIT Margin | 36.01% |
| FCF Margin | 50.73% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | 0.57% |
| Shareholder Yield | 0.57% |
| Earnings Yield | 5.43% |
| FCF Yield | 7.96% |
Analyst Forecast
The average price target for Dave Inc. is $444.21, which is 38.16% higher than the current price. The consensus rating is "Buy".
| Price Target | $444.21 |
| Price Target Difference | 38.16% |
| Analyst Consensus | Buy |
| Analyst Count | 15 |
| Revenue Growth Forecast (3Y) | 26.73% |
| EPS Growth Forecast (3Y) | 31.74% |
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 8.43 and a Piotroski F-Score of 5.
| Altman Z-Score | 8.43 |
| Piotroski F-Score | 5 |