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Dave Inc.(DAVE)Earnings, Financials & Key Ratios
DAVE•NASDAQ
23.2× P/E·Price updated Jun 19, 2026
AboutDave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.Show more
- Revenue$512M+47.5%
- EBITDA$48M+13.8%
- Net Income$196M+238.4%
- EPS (Diluted)13.53+222.9%
- Gross Margin79.81%-12.5%
- EBITDA Margin9.4%-22.8%
- Operating Margin8.01%-19.7%
- Net Margin38.26%+129.5%
- ROE73.11%+70.6%
DAVE Key Insights
Dave Inc. (DAVE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 21.9%
- ✓FCF machine: 56.6% free cash flow margin
- ✓Momentum leader: RS Rating 91 (top 9%)
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 33.3%
- ✓Trading near 52-week high
✗Weaknesses
- ✗Expensive at 12.9x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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DAVE Price & Volume
Dave Inc. (DAVE) stock price & volume — 10-year historical chart
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DAVE Growth Metrics
Dave Inc. (DAVE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years33.26%
3 Years35.7%
TTM44.59%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM329.14%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM321.02%
Return on Capital
10 Years-11.66%
5 Years-14.61%
3 Years3.53%
Last Year12.86%
DAVE Recent Earnings
Dave Inc. (DAVE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$4.02+52.3%
$2.64
Rev
$158M+4.2%
$152M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$3.69+11.5%
$3.31
Rev
$164M+2.0%
$161M
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$4.24+85.2%
$2.29
Rev
$151M-1.5%
$153M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$3.14+65.3%
$1.90
Rev
$132M-0.6%
$133M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $4.02vs $2.64+52.3% | $158Mvs $152M+4.2% |
| Q2 2026 | Mar 2, 2026 | $3.69vs $3.31+11.5% | $164Mvs $161M+2.0% |
| Q4 2025 | Nov 4, 2025 | $4.24vs $2.29+85.2% | $151Mvs $153M-1.5% |
| Q3 2025 | Aug 6, 2025 | $3.14vs $1.90+65.3% | $132Mvs $133M-0.6% |
Based on last 12 quarters of dataView full earnings history →
DAVE Peer Comparison
Dave Inc. (DAVE) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MOGO | 21.56M | 0.89 | -2.24 | 9.18% | 10.86% | 9.73% | 1.05 | |
 ENVA | 5.05B | 202.55 | 17.49 | 18.58% | 9.95% | 24.88% | 3.41 | |
 OMF | 6.82B | 58.18 | 8.87 | 9.09% | 16.12% | 23.62% | 6.67 | |
 AFRM | 24.62B | 73.92 | 492.80 | 38.8% | 11.95% | 11.17% | 2.56 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 | |
 LDI | 391.98M | 1.17 | -3.90 | 37.59% | -5.42% | -19.61% | 13.05 | |
 OPFI | 726.63M | 8.43 | 8.52 | 13.52% | 10.86% | 23.06% | 1.08 | |
 PRAA | 569.83M | 14.94 | -1.92 | 10.36% | -21.88% | -25% | 0.03 |
Compare DAVE vs Peers
Dave Inc. (DAVE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
DAVE Income Statement
Dave Inc. (DAVE) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 76.23M | 121.8M | 153.01M | 204.84M | 259.09M | 347.08M | 511.91M | 551.52M |
Revenue Growth % | - | 59.78% | 25.63% | 33.87% | 26.49% | 33.96% | 47.49% | 44.59% |
Cost of Goods Sold | 15.22M | 21.65M | 23.46M | 31.95M | 28.93M | 30.38M | 103.35M | 102.19M |
COGS % of Revenue | 19.96% | 17.77% | 15.33% | 15.6% | 11.16% | 8.75% | 20.19% | - |
Gross Profit | 61.01M▲ 0% | 100.15M▲ 64.2% | 129.55M▲ 29.4% | 172.89M▲ 33.5% | 230.17M▲ 33.1% | 316.7M▲ 37.6% | 408.56M▲ 29.0% | 449.33M▲ 0% |
Gross Margin % | 80.04% | 82.23% | 84.67% | 84.4% | 88.84% | 91.25% | 79.81% | 81.47% |
Gross Profit Growth % | - | 64.15% | 29.36% | 33.45% | 33.13% | 37.6% | 29% | - |
Operating Expenses | 61.01M | 100.15M | 135.93M | 307.29M | 272.37M | 282.09M | 367.56M | 422.33M |
OpEx % of Revenue | 80.04% | 82.23% | 88.84% | 150.01% | 105.12% | 81.28% | 71.8% | - |
Selling, General & Admin | 32.18M | 60.23M | 101M | 172.47M | 143.3M | 151.93M | 0 | 130.16M |
SG&A % of Revenue | 42.21% | 49.45% | 66.01% | 84.2% | 55.31% | 43.77% | - | - |
Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
R&D % of Revenue | - | - | - | - | - | - | - | - |
Other Operating Expenses | 28.84M | 39.92M | 34.93M | 134.82M | 129.06M | 130.16M | 367.56M | 4M |
Operating Income | 1.78M▲ 0% | 0▼ 100.0% | -6.38M▲ 0% | -134.4M▼ 2007.5% | -42.2M▲ 68.6% | 34.61M▲ 182.0% | 41M▲ 18.5% | 27M▲ 0% |
Operating Margin % | 2.33% | - | -4.17% | -65.61% | -16.29% | 9.97% | 8.01% | 4.9% |
Operating Income Growth % | - | -100% | - | -2007.52% | 68.6% | 182.02% | 18.45% | - |
EBITDA | 2.58M | -5.08M | -3.32M | -127.26M | -36.66M | 42.29M | 48.13M | 32.59M |
EBITDA Margin % | 3.39% | -4.17% | -2.17% | -62.13% | -14.15% | 12.19% | 9.4% | 5.91% |
EBITDA Growth % | - | -296.63% | 34.57% | -3730.97% | 71.2% | 215.38% | 13.8% | -54.64% |
D&A (Non-Cash Add-back) | 805K | 1.72M | 3.06M | 7.13M | 5.54M | 7.68M | 7.13M | 5.59M |
EBIT | 2.18M | -6.79M | -17.35M | -119.78M | -36.62M | 68.34M | 175.07M | 160.35M |
Net Interest Income | -423K | -964K | -2.26M | -6.24M | -6.48M | -5M | -5.45M | -4.12M |
Interest Income | 429K | 409K | 287K | 2.95M | 5.29M | 2.98M | 1.6M | 341K |
Interest Expense | 852K | 17K | 2.54M | 9.2M | 11.77M | 7.99M | 7.04M | 7.01M |
Other Income/Expense | -445K | -6.81M | -13.52M | 5.42M | -6.2M | 25.74M | 127.03M | 177.32M |
Pretax Income | 1.33M▲ 0% | -6.81M▼ 611.4% | -19.9M▼ 192.1% | -128.97M▼ 548.2% | -48.4M▲ 62.5% | 60.35M▲ 224.7% | 168.03M▲ 178.4% | 204.4M▲ 0% |
Pretax Margin % | 1.75% | -5.59% | -13% | -62.96% | -18.68% | 17.39% | 32.82% | 37.06% |
Income Tax | 545K | 145K | 97K | -67K | 120K | 2.48M | -27.84M | -20.65M |
Effective Tax Rate % | 40.92% | -2.13% | -0.49% | 0.05% | -0.25% | 4.11% | -16.57% | -10.1% |
Net Income | 787K▲ 0% | -6.96M▼ 984.0% | -19.99M▼ 187.4% | -128.91M▼ 544.8% | -48.52M▲ 62.4% | 57.87M▲ 219.3% | 195.87M▲ 238.4% | 225.05M▲ 0% |
Net Margin % | 1.03% | -5.71% | -13.07% | -62.93% | -18.73% | 16.67% | 38.26% | 40.81% |
Net Income Growth % | - | -983.99% | -187.38% | -544.76% | 62.36% | 219.28% | 238.44% | 329.14% |
Net Income (Continuing) | 787K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M | 195.87M | 225.05M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EPS (Diluted) | 0.00▲ 0% | -0.60▲ 0% | -1.72▼ 186.7% | -10.92▼ 534.9% | -4.07▲ 62.7% | 4.19▲ 202.9% | 13.53▲ 222.9% | 15.63▲ 0% |
EPS Growth % | - | - | -186.67% | -534.88% | 62.73% | 202.95% | 222.91% | 321.02% |
EPS (Basic) | 0.00 | -0.60 | -1.72 | -10.92 | -4.07 | 4.62 | 14.65 | - |
Diluted Shares Outstanding | 11.63M | 11.63M | 11.63M | 11.8M | 11.93M | 13.82M | 14.48M | 14.4M |
Basic Shares Outstanding | 11.63M | 11.63M | 11.63M | 11.8M | 11.93M | 12.52M | 13.37M | 13.43M |
Dividend Payout Ratio | - | - | - | - | - | - | - | - |
DAVE Balance Sheet
Dave Inc. (DAVE) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Total Current Assets | 62.22M | 69.35M | 100.2M | 308.57M | 276.89M | 282.27M | 436.7M | 479.63M |
Cash & Short-Term Investments | 31.71M | 22.45M | 40.23M | 191.96M | 155.94M | 90.29M | 80.52M | 133.33M |
Cash Only | 6.41M | 4.79M | 32.01M | 22.89M | 41.76M | 49.72M | 80.52M | 133.33M |
Short-Term Investments | 25.3M | 17.67M | 8.23M | 169.07M | 114.18M | 40.57M | 0 | 0 |
Accounts Receivable | 29.04M | 38.74M | 49.01M | 104.18M | 112.85M | 175.86M | 0 | 0 |
Days Sales Outstanding | 139.06 | 116.11 | 116.92 | 185.64 | 158.97 | 184.94 | - | 86.53 |
Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Days Inventory Outstanding | - | - | - | - | - | - | - | - |
Other Current Assets | 1.46M | 4.14M | 9.57M | 11.59M | 7.96M | 16.13M | 356.17M | 346.3M |
Total Non-Current Assets | 4.87M | 7.05M | 46.98M | 12.92M | 17.14M | 17.05M | 50.72M | 50.9M |
Property, Plant & Equipment | 2.18M | 1.89M | 3.39M | 1.76M | 1.89M | 1.21M | 669K | 845K |
Fixed Asset Turnover | 34.97x | 64.31x | 45.18x | 116.32x | 137.01x | 286.60x | 765.19x | 677.54x |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 2.09M | 4.5M | 7.85M | 10.16M | 13.21M | 13.64M | 13.67M | 13.69M |
Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Assets | 603K | 654K | 35.75M | 1M | 2.04M | 2.2M | 2.2M | 2.2M |
Total Assets | 67.09M▲ 0% | 76.41M▲ 13.9% | 147.19M▲ 92.6% | 321.49M▲ 118.4% | 294.02M▼ 8.5% | 299.33M▲ 1.8% | 487.42M▲ 62.8% | 530.53M▲ 0% |
Asset Turnover | 1.14x | 1.59x | 1.04x | 0.64x | 0.88x | 1.16x | 1.05x | 1.22x |
Asset Growth % | - | 13.89% | 92.64% | 118.43% | -8.54% | 1.8% | 62.84% | 237.15% |
Total Current Liabilities | 9.57M | 24.18M | 68.63M | 36.42M | 25.6M | 35.06M | 114M | 124.34M |
Accounts Payable | 6.5M | 8.49M | 13.04M | 11.42M | 5.49M | 6.77M | 8.36M | 6.73M |
Days Payables Outstanding | 155.97 | 143.19 | 202.95 | 130.46 | 69.21 | 81.31 | 29.52 | 27.38 |
Short-Term Debt | 0 | 3.91M | 35.75M | 0 | 0 | 0 | 75.06M | 75.3M |
Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 606K |
Other Current Liabilities | 666K | 3.73M | 2.67M | 5.84M | 16.22M | 9.3M | 30.58M | 42.31M |
Current Ratio | 6.50x | 2.87x | 1.46x | 8.47x | 10.81x | 8.05x | 3.83x | 3.86x |
Quick Ratio | 6.50x | 2.87x | 1.46x | 8.47x | 10.81x | 8.05x | 3.83x | 3.86x |
Cash Conversion Cycle | - | - | - | - | - | - | - | 59.15 |
Total Non-Current Liabilities | 2.22M | 2.38M | 39.81M | 178.51M | 181.36M | 81.17M | 20.69M | 202.41M |
Long-Term Debt | 696K | 708K | 35M | 177.32M | 180.45M | 75M | 141K | 192.91M |
Capital Lease Obligations | 1.49M | 1.09M | 970K | 550K | 543K | 204K | 0 | 472K |
Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Liabilities | 36.9K | 584.9K | 3.85M | 640K | 362K | 5.96M | 20.55M | 9.5M |
Total Liabilities | 11.8M | 26.56M | 108.45M | 214.93M | 206.96M | 116.23M | 134.69M | 326.75M |
Total Debt | 2.55M | 6.11M | 73.64M | 178.15M | 181.29M | 75.55M | 75.2M | 268.21M |
Net Debt | -3.85M | 1.32M | 41.63M | 155.26M | 139.53M | 25.84M | -5.32M | 134.88M |
Debt / Equity | 0.05x | 0.12x | 1.90x | 1.67x | 2.08x | 0.41x | 0.21x | 1.32x |
Debt / EBITDA | 0.99x | - | - | - | - | 1.79x | 1.56x | 8.23x |
Net Debt / EBITDA | -1.49x | - | - | - | - | 0.61x | -0.11x | 4.14x |
Interest Coverage | 2.56x | -399.71x | -6.82x | -13.02x | -3.11x | 8.55x | 24.86x | 22.86x |
Total Equity | 55.29M▲ 0% | 49.84M▼ 9.9% | 38.74M▼ 22.3% | 106.56M▲ 175.1% | 87.06M▼ 18.3% | 183.1M▲ 110.3% | 352.73M▲ 92.6% | 203.78M▲ 0% |
Equity Growth % | - | -9.85% | -22.28% | 175.09% | -18.3% | 110.31% | 92.64% | 234.9% |
Book Value per Share | 4.76 | 4.29 | 3.33 | 9.03 | 7.29 | 13.25 | 24.36 | 14.15 |
Total Shareholders' Equity | 55.29M | 49.84M | 38.74M | 106.56M | 87.06M | 183.1M | 352.73M | 203.78M |
Common Stock | 100 | 100 | 1K | 1K | 1K | 1K | 1K | 1K |
Retained Earnings | -5.95M | -12.9M | -32.9M | -161.8M | -210.32M | -152.45M | 43.42M | 101.35M |
Treasury Stock | -154K | -154K | -5K | 0 | 0 | 0 | 0 | 0 |
Accumulated OCI | 0 | 0 | 0 | -1.68M | 649K | 221K | 0 | 296K |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
DAVE Cash Flow Statement
Dave Inc. (DAVE) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash from Operations | -10.93M | -9.15M | -541K | -44.88M | 33.75M | 125.14M | 290.02M | 326.8M |
Operating CF Margin % | -14.34% | -7.51% | -0.35% | -21.91% | 13.03% | 36.05% | 56.66% | - |
Operating CF Growth % | - | 16.31% | 94.08% | -8196.3% | 175.2% | 270.73% | 131.76% | 473.02% |
Net Income | 787K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M | 195.87M | 225.05M |
Depreciation & Amortization | 805K | 1.72M | 3.06M | 7.13M | 5.54M | 7.68M | 7.13M | 7.22M |
Stock-Based Compensation | 446K | 1.52M | 7.38M | 40.64M | 26.67M | 37.33M | 29.9M | 29.48M |
Deferred Taxes | 20.2M | 0 | 0 | 0 | 0 | 0 | -34.19M | -34.16M |
Other Non-Cash Items | -648K | 25.28M | 863K | 45.35M | 61.24M | 24.09M | 110.02M | 114.75M |
Working Capital Changes | -32.52M | -30.71M | 8.15M | -9.1M | -11.19M | -1.84M | -18.7M | -15.48M |
Change in Receivables | 4.86M | 1.98M | 2.57M | 330K | 0 | -6.16M | -11.35M | -8.03M |
Change in Inventory | -4.86M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Change in Payables | 4.86M | 1.98M | 2.57M | 330 | -5.93M | 1.28M | 1.59M | 418K |
Cash from Investing | -19.7M | 3.42M | -37.2M | -285.58M | -14.38M | -45.84M | -202.75M | -184.83M |
Capital Expenditures | -2.58M | -231K | -371K | -9.31M | -688K | -262K | -317K | -299K |
CapEx % of Revenue | 3.39% | 0.19% | 0.24% | 4.55% | 0.27% | 0.08% | 0.06% | 0.05% |
Acquisitions | 1.75M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | - | - | - | - | - | - | - | - |
Other Investing | -1.75M | -3.99M | -46.27M | -114.32M | -70.86M | -118.76M | -202.37M | -183.07M |
Cash from Financing | 33.87M | 4.24M | 65.05M | 321.77M | 22K | -71M | -56.29M | -55.47M |
Debt Issued (Net) | -1.3M | 3.91M | 66.09M | 120M | 0 | -71M | 0 | 0 |
Equity Issued (Net) | 49.52M | 0 | 0 | 194.46M | -12K | 1.27M | -43.73M | -30.72M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -154K | 0 | 0 | -536K | -12K | 0 | -43.73M | -217.89M |
Other Financing | -14.35M | 331K | -1.04M | 7.3M | 34K | -1.26M | -12.56M | -24.74M |
Net Change in Cash | 3.24M▲ 0% | -1.48M▼ 145.7% | 27.3M▲ 1941.1% | -8.7M▼ 131.8% | 19.4M▲ 323.1% | 8.3M▼ 57.2% | 30.99M▲ 273.4% | 86.51M▲ 0% |
Free Cash Flow | -13.51M▲ 0% | -13.37M▲ 1.1% | -7.02M▲ 47.5% | -54.2M▼ 672.1% | 25.17M▲ 146.4% | 124.88M▲ 396.1% | 289.71M▲ 132.0% | 326.5M▲ 0% |
FCF Margin % | -17.73% | -10.97% | -4.59% | -26.46% | 9.71% | 35.98% | 56.59% | 59.2% |
FCF Growth % | - | 1.09% | 47.49% | -672.12% | 146.45% | 396.11% | 132% | 125.68% |
FCF per Share | -1.16 | -1.15 | -0.60 | -4.59 | 2.11 | 9.03 | 20.01 | 22.67 |
FCF Conversion (FCF/Net Income) | -13.89x | 1.31x | 0.03x | 0.35x | -0.70x | 2.16x | 1.48x | 1.45x |
Interest Paid | 0 | 0 | 1.99M | 0 | 0 | 0 | 0 | 0 |
Taxes Paid | 0 | 2.8M | 0 | 0 | 0 | 0 | 0 | 0 |
DAVE Key Ratios
Dave Inc. (DAVE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -13.23% | -45.14% | -177.44% | -50.11% | 42.84% | 73.11% | 84.53% |
Return on Invested Capital (ROIC) | - | -7.27% | -58.91% | -12.96% | 11.92% | 11.05% | 6.57% |
Gross Margin | 82.23% | 84.67% | 84.4% | 88.84% | 91.25% | 79.81% | 81.47% |
Net Margin | -5.71% | -13.07% | -62.93% | -18.73% | 16.67% | 38.26% | 40.81% |
Debt / Equity | 0.12x | 1.90x | 1.67x | 2.08x | 0.41x | 0.21x | 1.32x |
Interest Coverage | -399.71x | -6.82x | -13.02x | -3.11x | 8.55x | 24.86x | 22.86x |
FCF Conversion | 1.31x | 0.03x | 0.35x | -0.70x | 2.16x | 1.48x | 1.45x |
Revenue Growth | 59.78% | 25.63% | 33.87% | 26.49% | 33.96% | 47.49% | 44.59% |
Related:DAVE Dividend History·DAVE Revenue History·DAVE Price History·DAVE P/E History·DAVE Financial Ratios·DAVE Institutional Holders
DAVE SEC Filings & Documents
Dave Inc. (DAVE) SEC filings — annual & quarterly reports (10-K, 10-Q)
DAVE Frequently Asked Questions
Dave Inc. (DAVE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Dave Inc. (DAVE) reported $551.5M in revenue for fiscal year 2025. This represents a 624% increase from $76.2M in 2019.
Dave Inc. (DAVE) grew revenue by 47.5% over the past year. This is strong growth.
Yes, Dave Inc. (DAVE) is profitable, generating $225.0M in net income for fiscal year 2025 (38.3% net margin).
Dividend & Returns
Dave Inc. (DAVE) has a return on equity (ROE) of 73.1%. This is excellent, indicating efficient use of shareholder capital.
Dave Inc. (DAVE) generated $326.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.