Dave Inc./DE (DAVE) stock
DAVENasdaqFinance ServicesFiscal year ends December 31Also trades as DAVEW
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 8/3017% above fair value
$267.37−14.59 (-5.17%)
Close on Nov 12, 2026Market cap $3.41BP/E 21.6Yield –
Dave statistics
85 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Mar 1, 2027 (estimated, during market hours)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 13.16
- 1.16
- P/OCF Ratio
- 10.49
- 5.94
Enterprise valuationIndustry
- EV / Sales
- 4.48
- 2.54
- EV / FCF
- 9.54
- 9.11
Share statisticsIndustry
- Shares Change (YoY)
- -3.11%
- 13.6%
- Float
- 11M
- 39M
- Shares Held by Insiders
- 15.2%
- 18.5%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- 0.04%
- -0.08%
- Days to Cover
- 8.09
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $458.25
- –
- 52-Week Low
- $152.21
- –
- 20-Day Moving Average
- $323.13
- –
- 50-Day Moving Average
- $341.04
- –
- 200-Day Moving Average
- $291.98
- –
- Average True Range (14)
- $22.80
- –
- Price Change (1 Week)
- -2.89%
- -3.65%
- Price Change (1 Month)
- -25.1%
- -13.5%
- Price Change (3 Months)
- -20.1%
- -16.0%
- Price Change (6 Months)
- 14.0%
- -31.3%
- Price Change (YTD)
- 20.8%
- -35.5%
- Price Change (1 Year)
- 10.8%
- -49.9%
- Price Change (3 Years)
- 5041.7%
- -32.3%
- Price Change (5 Years)
- -16.2%
- -81.5%
- Price Change (10 Years)
- 62.2%
- -60.2%
- Average Volume (10 Days)
- 503,718
- –
- Average Volume (20 Days)
- 396,899
- –
- Average Volume (90 Days)
- 380,758
- –
- Relative Volume
- 1.16
- 0.71
- Relative Strength Index (14)
- 34.7
- 40.0
- Volatility (1 Year)
- 71.4%
- 94.5%
- Beta (5 Years)
- 2.12
- 1.24
MarginsIndustry
- Pretax Margin
- 32.4%
- -6.87%
- EBITDA Margin
- 34.5%
- -64.6%
- FCF Margin
- 47.0%
- -29.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 68.8%
- -21.1%
- Return on Assets (ROA)
- 36.7%
- -8.40%
Financial positionIndustry
- Current Ratio
- 4.22
- 1.58
- Quick Ratio
- 2.32
- 0.55
GrowthIndustry
- Revenue Growth (YoY)
- 40.6%
- 15.4%
- Net Income Growth (YoY)
- 32.5%
- -22.9%
- EPS Growth (YoY)
- 22.7%
- 2.80%
- FCF Growth (YoY)
- 36.4%
- 16.1%
- Revenue Growth (3Y CAGR)
- 39.3%
- 5.94%
EfficiencyIndustry
- Asset Turnover
- 1.31
- 0.16
- Revenue Per Employee
- $2.47M
- $675.54K
- Profits Per Employee
- $694.11K
- -$170.28K
- Employee Count
- 280
- 47
- WACC
- 15.5%
- 10.9%
Income statement (TTM)Industry
- Pretax Income
- $223.55M
- -$2.80M
Balance sheetIndustry
- Net Cash (Debt)
- $313.28M
- $7.28M
- Net Cash Per Share
- $24.56
- $0.18
- Equity (Book Value)
- $273.75M
- $224.68M
- Book Value Per Share
- $21.46
- $4.04
- Tangible Book Value
- $259.10M
- $156.69M
- Working Capital
- $435.20M
- $10.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$298.00K
- -$4.70M
- FCF Per Share
- $25.46
- -$0.20
Dividends and yieldsIndustry
- Earnings Yield
- 5.70%
- -12.4%
- FCF Yield
- 9.52%
- -15.6%
- Buyback Yield
- 6.56%
- 0.51%
- Shareholder Yield
- 6.56%
- 0.54%
Taxes and interestIndustry
- Interest Expense
- $7.53M
- $4.11M
- Income Tax
- $29.20M
- $213.00K
- Effective Tax Rate
- 13.1%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $77.32
- $27.68
- Graham Upside
- -71.1%
- 21.7%
- Altman Z-Score
- 8.16
- 0.34
- Piotroski F-Score
- 6
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | DAVE | S&P 500 | Difference | DAVE per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -26.0% | -2.7% | −23.3 pts | ||
| 3 months | -15.4% | -1.7% | −13.7 pts | ||
| Year to date | +20.8% | +11.9% | +8.9 pts | ||
| 1 year | +10.7% | +12.0% | −1.3 pts | ||
| 3 years | +4628.0% | +78.2% | +4549.9 pts | +261.6% | +21.2% |
| 5 years | -16.2% | +73.2% | −89.4 pts | -3.5% | +11.6% |
| 10 years | +62.2% | +309.6% | −247.4 pts | +5.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M DAVE shares were sold short on Oct 30, 2026, up 0.0% from the previous report. At recent volumes it would take 8.1 days to buy them back. Over the last 20 sessions, 57.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 2,381,448 | +0.0% | 294,458 | 8.1 |
| Oct 15, 2026 | 2,380,417 | +4.0% | 261,645 | 9.1 |
| Sep 30, 2026 | 2,288,288 | +1.0% | 313,870 | 7.3 |
| Sep 15, 2026 | 2,266,088 | -6.2% | 319,737 | 7.1 |
| Aug 31, 2026 | 2,415,526 | -0.7% | 382,018 | 6.3 |
| Aug 14, 2026 | 2,432,593 | +5.1% | 483,892 | 5.0 |
| Jul 31, 2026 | 2,314,382 | -1.5% | 436,862 | 5.3 |
| Jul 15, 2026 | 2,349,330 | -4.6% | 540,601 | 4.3 |
| Jun 30, 2026 | 2,463,340 | +1.8% | 622,172 | 4.0 |
| Jun 15, 2026 | 2,419,260 | +15.2% | 657,638 | 3.7 |
| May 29, 2026 | 2,099,209 | +7.8% | 685,993 | 3.1 |
| May 15, 2026 | 1,946,710 | +27.3% | 498,117 | 3.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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