Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $3.16 billion. The enterprise value is $3.25 billion.
Important Dates
The last earnings date was Tuesday, May 5, 2026, after market close.
| 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 1.62% in one year.
| Current Share Class | 11.50M |
| Shares Outstanding | 12.81M |
| Shares Change (YoY) | +1.62% |
| Shares Change (QoQ) | -0.30% |
| Owned by Insiders (%) | 20.76% |
| Owned by Institutions (%) | 86.31% |
| Float | 10.15M |
Valuation Ratios
The trailing PE ratio is 15.79 and the forward PE ratio is 15.95.
| PE Ratio | 15.79 |
| Forward PE | 15.95 |
| PS Ratio | 5.22 |
| Forward PS | 4.24 |
| PB Ratio | 15.37 |
| P/TBV Ratio | 16.61 |
| P/FCF Ratio | 9.67 |
| P/OCF Ratio | 9.66 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 15.02, with an EV/FCF ratio of 9.95.
| EV / Earnings | 14.44 |
| EV / Sales | 5.37 |
| EV / EBITDA | 15.02 |
| EV / EBIT | 15.07 |
| EV / FCF | 9.95 |
Financial Position
The company has a current ratio of 3.86, with a Debt / Equity ratio of 1.32.
| Current Ratio | 3.86 |
| Quick Ratio | 1.41 |
| Debt / Equity | 1.32 |
| Debt / EBITDA | 1.24 |
| Debt / FCF | 0.82 |
| Interest Coverage | 30.73 |
Financial Efficiency
Return on equity (ROE) is 111.59% and return on invested capital (ROIC) is 71.53%.
| Return on Equity (ROE) | 111.59% |
| Return on Assets (ROA) | 31.84% |
| Return on Invested Capital (ROIC) | 71.53% |
| Return on Capital Employed (ROCE) | 53.06% |
| Weighted Average Cost of Capital (WACC) | 24.03% |
| Revenue Per Employee | $2.16M |
| Profits Per Employee | $803,532 |
| Employee Count | 280 |
| Asset Turnover | 1.43 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -20.67M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +135.20% 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 | +135.20% |
| 50-Day Moving Average | 218.58 |
| 200-Day Moving Average | 210.25 |
| Relative Strength Index (RSI) | 51.53 |
| Average Volume (20 Days) | 591,666 |
Short Selling Information
The latest short interest is 1.50 million, so 11.67% of the outstanding shares have been sold short.
| Short Interest | 1.50M |
| Short Previous Month | 1.27M |
| Short % of Shares Out | 11.67% |
| Short % of Float | 14.73% |
| Short Ratio (days to cover) | 2.71 |
Income Statement
In the last 12 months, Dave Inc. had revenue of $604.62 million and earned $224.99 million in profits. Earnings per share was $15.60.
| Revenue | 604.62M |
| Gross Profit | 435.95M |
| Operating Income | 215.54M |
| Pretax Income | 204.32M |
| Net Income | 224.99M |
| EBITDA | 216.36M |
| EBIT | 215.54M |
| Earnings Per Share (EPS) | $15.60 |
Full Income StatementBalance Sheet
The company has $175.93 million in cash and $268.21 million in debt, with a net cash position of -$92.28 million or -$7.20 per share.
| Cash & Cash Equivalents | 175.93M |
| Total Debt | 268.21M |
| Net Cash | -92.28M |
| Net Cash Per Share | -$7.20 |
| Equity (Book Value) | 203.78M |
| Book Value Per Share | 16.03 |
| Working Capital | 355.28M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $326.80 million and capital expenditures -$299,000, giving a free cash flow of $326.50 million.
| Operating Cash Flow | 326.80M |
| Capital Expenditures | -299,000 |
| Depreciation & Amortization | 818,000 |
| Net Borrowing | 193.08M |
| Free Cash Flow | 326.50M |
| FCF Per Share | $25.48 |
Full Cash Flow StatementMargins
Gross margin is 72.10%, with operating and profit margins of 35.65% and 37.21%.
| Gross Margin | 72.10% |
| Operating Margin | 35.65% |
| Pretax Margin | 33.79% |
| Profit Margin | 37.21% |
| EBITDA Margin | 35.78% |
| EBIT Margin | 35.65% |
| FCF Margin | 54.00% |
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 | -1.62% |
| Shareholder Yield | -1.62% |
| Earnings Yield | 7.13% |
| FCF Yield | 10.34% |
Analyst Forecast
The average price target for Dave Inc. is $322.13, which is 30.75% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $322.13 |
| Price Target Difference | 30.75% |
| 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
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |
