Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $4.92 billion. The enterprise value is $5.01 billion.
| Market Cap | 4.92B |
| Enterprise Value | 5.01B |
Important Dates
The next estimated earnings date is Wednesday, August 5, 2026, before market open.
| Earnings Date | Aug 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Dave Inc. has 12.71 million shares outstanding. The number of shares has increased by 1.62% in one year.
| Current Share Class | 11.40M |
| Shares Outstanding | 12.71M |
| Shares Change (YoY) | +1.62% |
| Shares Change (QoQ) | -0.30% |
| Owned by Insiders (%) | 20.95% |
| Owned by Institutions (%) | 89.91% |
| Float | 9.41M |
Valuation Ratios
The trailing PE ratio is 24.83 and the forward PE ratio is 24.49.
| PE Ratio | 24.83 |
| Forward PE | 24.49 |
| PS Ratio | 8.15 |
| Forward PS | 6.59 |
| PB Ratio | 24.17 |
| P/TBV Ratio | 25.91 |
| P/FCF Ratio | 15.08 |
| P/OCF Ratio | 15.07 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 23.07, with an EV/FCF ratio of 15.35.
| EV / Earnings | 22.28 |
| EV / Sales | 8.29 |
| EV / EBITDA | 23.07 |
| EV / EBIT | 23.14 |
| EV / FCF | 15.35 |
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 | 1.53 |
| Debt / Equity | 1.32 |
| Debt / EBITDA | 1.23 |
| Debt / FCF | 0.82 |
| Interest Coverage | 30.88 |
Financial Efficiency
Return on equity (ROE) is 111.59% and return on invested capital (ROIC) is 72.36%.
| Return on Equity (ROE) | 111.59% |
| Return on Assets (ROA) | 32.00% |
| Return on Invested Capital (ROIC) | 72.36% |
| Return on Capital Employed (ROCE) | 53.33% |
| Weighted Average Cost of Capital (WACC) | 24.09% |
| 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 +48.60% in the last 52 weeks. The beta is 3.83, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.83 |
| 52-Week Price Change | +48.60% |
| 50-Day Moving Average | 279.86 |
| 200-Day Moving Average | 224.76 |
| Relative Strength Index (RSI) | 78.22 |
| Average Volume (20 Days) | 641,417 |
Short Selling Information
The latest short interest is 2.42 million, so 19.03% of the outstanding shares have been sold short.
| Short Interest | 2.42M |
| Short Previous Month | 2.10M |
| Short % of Shares Out | 19.03% |
| Short % of Float | 25.72% |
| Short Ratio (days to cover) | 3.66 |
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 | 216.61M |
| Pretax Income | 204.32M |
| Net Income | 224.99M |
| EBITDA | 217.31M |
| EBIT | 216.61M |
| Earnings Per Share (EPS) | $15.60 |
Balance Sheet
The company has $179.95 million in cash and $268.21 million in debt, with a net cash position of -$88.26 million or -$6.94 per share.
| Cash & Cash Equivalents | 179.95M |
| Total Debt | 268.21M |
| Net Cash | -88.26M |
| Net Cash Per Share | -$6.94 |
| Equity (Book Value) | 203.78M |
| Book Value Per Share | 16.03 |
| Working Capital | 355.28M |
Cash 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 | 698,000 |
| Net Borrowing | 193.08M |
| Free Cash Flow | 326.50M |
| FCF Per Share | $25.68 |
Margins
Gross margin is 72.10%, with operating and profit margins of 35.83% and 37.21%.
| Gross Margin | 72.10% |
| Operating Margin | 35.83% |
| Pretax Margin | 33.79% |
| Profit Margin | 37.21% |
| EBITDA Margin | 35.94% |
| EBIT Margin | 35.83% |
| 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 | 4.57% |
| FCF Yield | 6.63% |
Analyst Forecast
The average price target for Dave Inc. is $347.55, which is -10.28% lower than the current price. The consensus rating is "Strong Buy".
| Price Target | $347.55 |
| Price Target Difference | -10.28% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 12 |
| Revenue Growth Forecast (3Y) | 23.68% |
| EPS Growth Forecast (3Y) | 30.63% |
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 8.39 and a Piotroski F-Score of 6.
| Altman Z-Score | 8.39 |
| Piotroski F-Score | 6 |