DAVENasdaqFinance ServicesFiscal year ends December 31Also trades as DAVEW
Dave Inc./DE
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$359.46−7.94 (-2.16%)
Close on Oct 19, 2026
- Market cap
- $4.92B
- P/E (TTM)
- 23.3
- Dividend yield
- –
Dave statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Finance Services companies for comparison
Valuation
| Measure | Dave | Industry median |
|---|---|---|
| Market Cap | $4.59B | $216.24M |
| Enterprise Value | $4.33B | $197.90M |
| PE Ratio | 23.31 | 11.74 |
| PS Ratio | 7.12 | 3.01 |
| PB Ratio | 22.06 | 1.19 |
| P/TBV Ratio | 23.67 | 1.44 |
| P/FCF Ratio | 14.04 | 12.30 |
| P/OCF Ratio | 14.02 | 5.61 |
Enterprise value
| Measure | Dave | Industry median |
|---|---|---|
| EV / Sales | 6.73 | 3.03 |
| EV / EBITDA | 19.48 | 4.41 |
| EV / FCF | 13.27 | 11.30 |
Income (trailing twelve months)
| Measure | Dave | Industry median |
|---|---|---|
| Revenue | $643.65M | $61.19M |
| Pretax Income | $207.48M | -$4.81M |
| Net Income | $222.64M | -$5.16M |
| EBITDA | $222.39M | -$9.49M |
| EPS (Diluted) | $15.42 | -$0.03 |
Margins
| Measure | Dave | Industry median |
|---|---|---|
| Pretax Margin | 32.2% | -25.1% |
| Profit Margin | 34.6% | -21.0% |
| EBITDA Margin | 34.6% | -67.0% |
| FCF Margin | 50.7% | -22.8% |
Returns
| Measure | Dave | Industry median |
|---|---|---|
| Return on Equity (ROE) | 104.8% | -22.5% |
| Return on Assets (ROA) | 47.7% | -11.8% |
Growth
| Measure | Dave | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 48.6% | 19.7% |
| Net Income Growth (YoY) | 303.9% | -51.5% |
| EPS Growth (YoY) | 307.9% | 4.95% |
| FCF Growth (YoY) | 70.1% | 18.7% |
| Revenue Growth (3Y CAGR) | 39.3% | 5.53% |
Balance sheet
| Measure | Dave | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $252.59M | $20.81M |
| Net Cash (Debt) | $252.59M | $7.60M |
| Net Cash Per Share | $19.80 | $0.22 |
| Equity (Book Value) | $207.89M | $165.65M |
| Book Value Per Share | $16.30 | $3.72 |
| Tangible Book Value | $193.69M | $127.24M |
| Working Capital | $396.17M | $8.71M |
Financial position
| Measure | Dave | Industry median |
|---|---|---|
| Current Ratio | 4.22 | 1.43 |
| Quick Ratio | 2.05 | 0.54 |
Cash flow (trailing twelve months)
| Measure | Dave | Industry median |
|---|---|---|
| Operating Cash Flow | $326.95M | -$5.36M |
| Capital Expenditures | -$404.00K | -$5.04M |
| Free Cash Flow | $326.54M | -$15.68M |
| FCF Per Share | $25.60 | -$0.26 |
Efficiency
| Measure | Dave | Industry median |
|---|---|---|
| Asset Turnover | 1.38 | 0.16 |
| Revenue Per Employee | $2.30M | $705.30K |
| Profits Per Employee | $795.13K | -$258.90K |
| Employee Count | 280 | 48 |
Dividends and yields
| Measure | Dave | Industry median |
|---|---|---|
| Earnings Yield | 4.86% | -10.2% |
| FCF Yield | 7.12% | -11.4% |
| Buyback Yield | 5.29% | 0.06% |
| Shareholder Yield | 5.29% | 0.12% |
Shares
| Measure | Dave | Industry median |
|---|---|---|
| Shares Outstanding | 12,755,500 | 57,205,350 |
| Shares Change (YoY) | -1.06% | 12.9% |
| Float | 10,811,000 | 43,350,400 |
| Shares Held by Insiders | 15.2% | 18.5% |
Taxes
| Measure | Dave | Industry median |
|---|---|---|
| Income Tax | -$15.15M | $82.74K |
| Effective Tax Rate | -7.30% | 22.6% |
Scores
| Measure | Dave | Industry median |
|---|---|---|
| Graham Number | $75.20 | $33.10 |
| Graham Upside | -79.1% | 12.5% |
| Altman Z-Score | 9.81 | 0.34 |
| Piotroski F-Score | 6 | 4 |
Calculated by StockData from Dave's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.