Dave Inc.: stock overview

DAVENASDAQFinancial services · Finance Services

Price

$277.04

November 13, 2026Market cap $3.7B

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  • The full history: 5 fiscal years, from 2021
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • Earnings per share here are the last twelve months' earnings over today's shares, so they agree with the P/E. The number of shares changed a lot during the year, so they differ from the earnings per share the company filed, which use the year's average number of shares.

In short

Dave had revenue of $691M over the last 12 months and net income of $194M, a net margin of 28.1%. Revenue grew by 38.0% a year on average over the last 4 years. At $277.04 the shares trade at a P/E of 19.1. It holds more cash than debt, by $120M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$3.7B
13.37M shares
P/E
19.1
Revenue, 12 months
$691M
+38.0% a year over 4 years
Net margin
28.1%
2025: 35.4%, above 83% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+46.3% a year over 2 years

  • 202510-K
    Revenue$554M
  • 202410-K
    Revenue$347M
  • 202310-K
    Revenue$259M

Fiscal years in figures

DAVE's revenue, profit, cash flow and dividend with each year-end price, from 2021 to 2022, 2 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $1.1B
$3.7B
Enterprise value 
$3.6B
P/E 
19.1
EV / EBIT 
16.0
EV / Revenue 
5.2
P/B 3-year median: 5.9
13.5
FCF yield 3-year median: 11.5%
8.8%
Earnings yield 3-year median: 4.8%
5.3%

Profitability

Net margin 3-year median: 16.7%
28.1%
ROIC 
49.0%
ROIC, 5-year average 
-5.9%
ROE 
73.1%

Growth

Revenue, yearly change 
+59.7%
EPS, yearly change 
+222.9%
FCF, yearly change 
+132.0%
Revenue, average a year 
+38.0%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$313M
Total debt 
$194M
Of which operating leases 
$238.0K
Net cash 
$120M
Net debt / EBITDA 
-0.5x
Interest cover 
29.7x
Current ratio 
4.22

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
1.18%
Total returned 
1.18%
Shares, yearly change 
+6.8%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Net margin

35.4%

Above 83% of the 105 companies in its industry, and 95% of all.

ROE

55.6%

Above 99% of the 102 companies in its industry, and 97% of all.

ROA

40.2%

Above 99% of the 109 companies in its industry, and 99% of all.

Revenue growth

59.7%

Above 89% of the 106 companies in its industry, and 96% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Dave Inc./DE
CIK
1841408
Exchange
NASDAQ
Industry (SIC)
6199 · Finance Services
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
13.37M

Other companies: Financial services

The largest companies of the same sector, each with its own page.

The Financial services sectorAll companies

The full analysis

What do Dave's filings show?

These are Dave's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about DAVE

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What is DAVE's market cap?

Dave Inc.'s market cap is $3.7B, at a price of $277.04 on November 13, 2026 and 13.37M shares.

What is DAVE's P/E?

DAVE's P/E is 19.1, on earnings per share of $14.54 over the last 12 months.

How much revenue does DAVE have?

Dave had revenue of $691M over the last 12 months. Over the last 4 years it changed by +38.0% a year on average.

Does DAVE pay a dividend?

No. Dave paid no regular dividend over the last 12 months.

Where do the figures come from?

From Dave Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.