Dave Inc
DAVE
344.82
+1.68
+0.49%
Dave Inc
US · DAVE
#2176 by market cap
Listed 2021
344.82
+1.68
+0.49%
Live - 5344 symbols - heartbeat 372s ago
· 2026-10-08 04:16
Pre-market
331.00
-4.01%
After-hours
344.82
0.00%
Overnight
344.82
0.00%
- Market cap
- 4.40B
- P/E (TTM)i
- 22.22
- P/Bi
- 21.16
- EPSi
- 13.53
- Div yieldi
- 0.00%
- 52W posi
- 63%
Reader sentiment
Are you bullish or bearish on DAVE?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 22.91, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 7 years
Latest year +59.67% YoY
Margins
- Gross margin
- 86.69%
- Operating margin
- 33.68%
- Net margin
- 35.34%
Key ratios & quality
- Altman Z-Scorei
- 22.91
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 76.23M | 121.80M | 153.01M | 204.84M | 259.09M | 347.08M | 554.18M |
| Gross profit | 61.01M | 100.15M | 129.55M | 172.89M | 197.70M | 281.98M | 480.40M |
| Selling & admin expenses | 32.18M | 60.23M | 101.00M | 172.47M | 149.97M | 159.21M | 169.34M |
| Research & development | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 1.78M | -1.38M | -46.88M | -134.40M | -42.20M | 34.61M | 186.62M |
| Pretax profit | 1.33M | -6.81M | -19.90M | -128.97M | -48.40M | 60.35M | 168.03M |
| Tax | 545.00K | 145.00K | 97.00K | -67.00K | 120.00K | 2.48M | -27.84M |
| Net profit | 787.00K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M | 195.87M |
| Basic EPS | 0 | -1 | -2 | -11 | -4 | 5 | 15 |
| Diluted EPS | 0.00 | -0.60 | -1.72 | -11.12 | -4.07 | 4.19 | 13.53 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 107.98M | 131.76M | 150.73M | 163.72M | 158.41M | 170.79M |
| Gross profit | 91.23M | 114.47M | 130.75M | 143.96M | 137.71M | 148.68M |
| Selling & admin expenses | 39.18M | 41.89M | 43.75M | 44.52M | 41.85M | 56.10M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 35.15M | 41.08M | 45.90M | 64.49M | 59.57M | 52.24M |
| Pretax profit | 33.87M | 11.51M | 58.43M | 64.22M | 70.16M | 14.67M |
| Tax | 5.06M | 2.47M | -33.64M | -1.72M | 12.22M | 7.98M |
| Net profit | 28.81M | 9.04M | 92.07M | 65.94M | 57.94M | 6.69M |
| Basic EPS | 2 | 1 | 7 | 5 | 4 | 1 |
| Diluted EPS | 1.97 | 0.62 | 6.34 | 4.57 | 4.02 | 0.49 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total current assets | 62.22M | 69.35M | 100.20M | 308.57M | 276.89M | 282.27M | 436.70M |
| Cash & ST investments | 31.71M | 22.46M | 40.24M | 191.96M | 155.94M | 90.29M | 121.31M |
| Inventory | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 67.09M | 76.41M | 147.19M | 321.49M | 294.02M | 299.33M | 487.42M |
| Total current liabilities | 9.58M | 24.18M | 68.63M | 36.42M | 25.60M | 35.06M | 114.00M |
| Short-term debt | 369.00K | 4.31M | 37.67M | 273.00K | 298.00K | 350.00K | 75.06M |
| Long-term debt | 696.00K | 708.00K | 35.00M | 177.33M | 180.45M | 75.00M | -- |
| Total liabilities | 11,795,900.00 | 26,560,900.00 | 108,449,000.00 | 214,932,000.00 | 206,960,000.00 | 116,226,000.00 | 134,691,000.00 |
| Total equity | 55.29M | 49.84M | 38.74M | 106.56M | 87.06M | 183.10M | 352.73M |
| Retained earnings | -5.95M | -12.90M | -32.90M | -161.80M | -210.32M | -152.45M | 43.42M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 298.78M | 346.37M | 385.97M | 436.70M | 479.63M | 519.10M |
| Cash & ST investments | 88.08M | 102.85M | 91.74M | 121.31M | 175.93M | 254.07M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 315.66M | 363.56M | 433.25M | 487.42M | 530.53M | 570.78M |
| Total current liabilities | 34.78M | 36.41M | 44.39M | 114.00M | 124.34M | 122.93M |
| Short-term debt | 280.00K | 210.00K | 137.00K | 75.06M | 75.30M | 75.23M |
| Long-term debt | 75.00M | 75.00M | 75.00M | -- | 192.78M | 193.13M |
| Total liabilities | 116,192,000.00 | 146,489,000.00 | 141,939,000.00 | 134,691,000.00 | 326,748,000.00 | 362,891,000.00 |
| Total equity | 199.46M | 217.07M | 291.31M | 352.73M | 203.78M | 207.89M |
| Retained earnings | -123.64M | -114.60M | -22.52M | 43.42M | 101.35M | 108.04M |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -10.93M | -9.15M | -541.00K | -44.88M | 33.75M | 125.14M | 290.02M |
| Depreciation & amortization | 805.00K | 1.72M | 3.06M | 7.13M | 5.54M | 7.68M | 7.13M |
| Free cash flow | -13.51M | -13.37M | -7.02M | -54.20M | 25.17M | 117.58M | 283.25M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -154.00K | 0 | 0 | 194.46M | -12.00K | 0 | -43.73M |
| Ending cash balance | 6.55M | 5.07M | 32.37M | 23.68M | 43.08M | 51.38M | 82.36M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 45.25M | 68.24M | 83.25M | 93.29M | 82.03M | 68.38M |
| Depreciation & amortization | 1.54M | 1.62M | 1.88M | 2.09M | 1.62M | 2.05M |
| Free cash flow | 43.84M | 66.38M | 81.48M | 91.55M | 80.47M | 65.70M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -6.89M | 0 | -25.00M | -11.84M | -186.72M | -19.13M |
| Ending cash balance | 48.66M | 63.53M | 51.73M | 82.36M | 135.17M | 211.45M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -243.70 | -177.44 | -50.11 | 42.84 | 73.11 |
| ROA %i | 0.00 | -9.70 | -17.88 | -55.01 | -15.76 | 19.51 | 49.79 |
| ROIC %i | -- | -- | -38.16 | -61.79 | -15.69 | 23.79 | 58.31 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | -71.06 |
| EBIT margin %i | 2.87 | -5.58 | -11.34 | -58.47 | -14.14 | 19.69 | 31.59 |
| FCF / sales %i | -- | -- | -- | -- | 9.72 | 33.88 | 51.11 |
| Current ratioi | 6.50 | 2.87 | 1.46 | 8.47 | 10.81 | 8.05 | 3.83 |
| Quick ratioi | 6.34 | 2.53 | 1.30 | 8.13 | 10.50 | 7.59 | 3.67 |
| Debt / assetsi | 3.81 | 7.99 | 50.03 | 55.41 | 61.66 | 25.24 | 15.43 |
| LT debt / equityi | -- | -- | 92.86 | 166.92 | 207.89 | 41.07 | 0.04 |
| Interest coveragei | 2.56 | -399.71 | -6.82 | -13.02 | -3.11 | 8.55 | 24.86 |
| Revenue CAGR (3Y) %i | -- | -- | -- | 39.03 | 28.61 | 31.39 | 39.34 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 32.10 | 30.72 | 65.63 | 73.11 | 111.59 | 104.78 |
| ROA %i | 19.03 | 18.05 | 41.60 | 49.79 | 53.18 | 47.66 |
| ROIC %i | 24.11 | 23.44 | 50.48 | 58.31 | 61.05 | 58.62 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 16.86 | 16.41 | 26.15 | 31.59 | 34.95 | 33.36 |
| FCF / sales %i | 37.93 | 42.79 | 47.14 | 51.11 | 52.91 | 49.59 |
| Current ratioi | 8.59 | 9.51 | 8.69 | 3.83 | 3.86 | 4.22 |
| Quick ratioi | 8.13 | 9.02 | 8.11 | 3.67 | 3.66 | 4.11 |
| Debt / assetsi | 23.91 | 20.73 | 17.38 | 15.43 | 50.55 | 47.04 |
| LT debt / equityi | 37.70 | 34.63 | 25.80 | 0.04 | 94.66 | 92.95 |
| Interest coveragei | 8.54 | 9.68 | 17.92 | 24.86 | 30.13 | 29.59 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 04:16:55 · For reference only, not investment advice and not tailored to your situation.