Company Overview
Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.
Why Investors Should Care
Generates a return on equity of 104.8%, reflecting efficient use of shareholder capital.
Revenue has grown at a 38.0% CAGR over the past five years.
Trades at a P/E of 24.5, below the sector median of 32.4.
Maintains a net profit margin of 34.6%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $554.18M (+59.7% YoY); net profit $195.87M.
- Trailing 12 Months Year-on-year growth — revenue +29.6%, earnings -21.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 38.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 37.95% |
| 1 Year: | 29.60% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -21.00% |
Stock Price Performance
| 1 Year: | +89.88% |
| 6 Months: | +75.17% |
| 3 Months: | +47.41% |
| 1 Month: | +4.22% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)54.75 · Neutral
P/E of 24.53 is below the sector median of 32.42 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 104.8%.
- Excellent profit margin of 34.6%.
- Compounding revenue at 38.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | DAVE Dave Inc. R2KR3KTECH | 380.69 | 24.53 | $4.36B | 0.00% | -1.71% | 104.78% | 37.95% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 34.43M | 37.23M | 40.20M | 42.55M | 45.80M | 56.81M | 58.93M | 61.23M | 65.81M | 73.63M | 80.12M | 92.49M | 107.98M | 131.76M | 150.72M | 158.41M | 170.79M |
| Operating Income | -134.24K | -1.95M | -1.32M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 3.95M | -864.00K | -7.89M | -32.80M | -27.11M | -47.50M | -14.03M | -22.62M | -12.05M | 34.24M | 6.36M | 466.00K | 28.81M | 9.04M | 92.07M | 57.94M | 6.69M |
| Diluted EPS | 0.00 | -0.01 | -0.06 | -2.91 | -2.34 | -4.06 | -1.19 | -1.90 | -1.01 | 2.60 | 0.47 | 0.03 | 1.97 | 0.62 | 6.34 | 4.02 | 0.49 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 153.01M | 204.84M | 259.09M | 347.08M | 554.18M |
| Operating Income | -6.38M | - | - | - | - |
| Net Income | -19.99M | -128.91M | -48.52M | 57.87M | 195.87M |
| Diluted EPS | -4.69 | -11.12 | -4.07 | 4.19 | 13.53 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Jan 2021 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 147.19M | 321.49M | 294.02M | 299.33M | 487.42M |
| Total Equity | 49.84M | 0 | 38.74M | 106.56M | 87.06M | 183.10M | 352.73M |
| Cash & Equivalents | - | - | 32.01M | 22.89M | 41.76M | 49.72M | 80.52M |
| Long Term Debt | - | - | 35.00M | 75.00M | 75.00M | 75.00M | 0 |
| Total Liabilities | - | - | 108.45M | 214.93M | 206.96M | 116.23M | 134.69M |
| Current Liabilities | - | - | 68.63M | 36.42M | 25.60M | 35.06M | 114.00M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -541.00K | -44.88M | 33.75M | 125.14M | 290.02M |
| Investing Cash Flow | -37.20M | -285.58M | -14.38M | -45.84M | -202.75M |
| Financing Cash Flow | 65.05M | 321.77M | 22.00K | -71.00M | -56.29M |
| Capital Expenditure | -371.00K | -728.00K | -688.00K | -262.00K | -317.00K |
| Free Cash Flow | -912.00K | -45.61M | 33.07M | 124.88M | 289.71M |
| Share Buybacks | 0 | 536.00K | 0 | 0 | 43.73M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | -4.2% | - | - | - | - |
| Net Margin % | -13.1% | -62.9% | -18.7% | 16.7% | 35.3% |
| ROE % | -51.6% | -121.0% | -55.7% | 31.6% | 55.5% |
| ROCE % | -8.1% | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 14.58% | 1.67M | $631.40M |
| 2 | Hood River Capital Management LLC | 9.65% | 1.10M | $418.02M |
| 3 | Divisadero Street Capital Management, LP | 6.11% | 699.37K | $264.74M |
| 4 | FMR, LLC | 4.19% | 479.75K | $181.61M |
| 5 | Vanguard Capital Management LLC | 4.14% | 474.14K | $179.49M |
| 6 | State Street Corporation | 3.56% | 406.75K | $153.98M |
| 7 | Renaissance Technologies, LLC | 3.21% | 367.38K | $139.07M |
| 8 | Geode Capital Management, LLC | 2.99% | 341.84K | $129.40M |
| 9 | Driehaus Capital Management, LLC | 2.90% | 331.54K | $125.50M |
| 10 | Jane Street Group, LLC | 2.73% | 312.20K | $118.18M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for DAVE
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DAVE — Frequently Asked Questions
What is the current share price of Dave Inc. (DAVE)?
As of 2026-09-07 16:24 PDT, Dave Inc. (DAVE) trades at $380.69 on NasdaqGM. Its 52-week range is $155.92 to $442.53.
What is the market capitalisation of DAVE?
Dave Inc. (DAVE) has a market capitalisation of $4.36B on NasdaqGM.
What is the P/E ratio of DAVE?
DAVE trades at a trailing price-to-earnings (P/E) ratio of 24.53. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 19.84.
What is the return on equity (ROE) of DAVE?
DAVE has a return on equity (ROE) of 104.78%. Its return on capital employed (ROCE) is -1.71%.
Is DAVE a good stock to buy?
This page provides a data-driven analysis of Dave Inc. (DAVE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.