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DAVEDave Inc.
$278.59$3.7B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
DAVE logo

Dave Inc.

DAVE
NASDAQ · Consumer Finance
$278.59
At close - Nov 6, 4:00 PM EST - USD
Market Cap$3.75B
P/E20.0x
52W High$458.25
Volume429.28K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

High Growth, Rising Leverage, Regulatory Overhang

Dave Inc. demonstrates a compelling growth story with revenue up 29.6% YoY in 2026Q2 and a nine-quarter streak of at least 30% growth, driven by its asset-light model and strong operating leverage (op margin 30.6%).

GrowthAccelerating
ProfitabilityStrong
ValuationExpensive
TechnicalsWeak
Explore valuation models
MARKET ACTION

DAVE price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

+67% Peers

P/E is 67% above peer median

03

Market leadership

RS 51 · Avg

Average momentum (RS Rating: 51)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Feb 4

Market performance

Price History →

Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
DAVE+26.93%
S&P 500 (^GSPC)+7.63%
1-Year Return
DAVE+24.58%
S&P 500 (^GSPC)+9.69%
3-Year Return
DAVE+4719.90%
S&P 500 (^GSPC)+74.88%
5-Year Return
DAVE-12.94%
S&P 500 (^GSPC)+58.44%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
20.0x
Forward P/E
20.7x
EV/EBITDA0th %ile
16.1x
FCF YieldCash Flow
8.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
20.0x
20.7x
50th· Fair
EV/EBITDA
16.1x
29.0x
0th· Low
Price/FCF
11.7x
9.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$134.87-51.6%
Base (Fair)$221.63-20.4%
Bull$231.00-17.1%
$134.87 Bear$221.63 Base$231.00 Bull
Current Market Price: $278.59
Trades at a 25.7% premium to Base DCF ($221.63)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$554M+59.7% YoY
Net income FY25
$196M+238.4% YoY
Free cash flow FY25
$290M+132.0% YoY
Operating margin FY25
33.7%+23.7 pts YoY
ROIC (FY25)50.3%
Avg ROIC 5Y-3.4%
ROE (TTM)74.9%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate10/12 (83%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Nov 4, 2026
$4.39+7.3%
vs $4.09
$198M+3.0%
vs $192M
Q3 2026
Aug 5, 2026
$4.12+11.7%
vs $3.69
$171M-0.2%
vs $171M
Q2 2026
May 5, 2026
$3.64+27.3%
vs $2.86
$158M-7.3%
vs $171M
Q2 2026
Mar 2, 2026
$4.57+38.1%
vs $3.31
$164M+2.0%
vs $161M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·1d ago
Did You Lose Money on Dave, Inc. Stock? The Law Offices of Howard G.

BENSALEM, Pa.--(BUSINESS WIRE)--Investors who suffered losses on Dave, Inc. ("Dave" or the "Company") stock may have claims to recover those losses. The Law Offices of Howard G. Smith today reported that it is conducting a securities fraud investigation on behalf of Dave, Inc. (NASDAQ: DAVE) investors into whether the Company may have violated the federal securities laws. The investigation comes after a November 4, 2026 disclosure concerning Dave, Inc. Investors with losses on Dave, Inc. securi.

Business Wire·2d ago
Lost Money on Dave, Inc. Shares? The Law Offices of Frank R.

LOS ANGELES--(BUSINESS WIRE)--Dave, Inc. ("Dave" or the "Company") investors who lost money may have claims to recover their losses. The Law Offices of Frank R. Cruz today announced it is investigating potential securities fraud claims on behalf of investors in Dave, Inc. (NASDAQ: DAVE), examining whether the Company may have violated the federal securities laws. The investigation centers on the disclosure about Dave, Inc. on November 4, 2026.If you lost money on Dave, Inc. securities, share you.

Zacks Investment Research·2d ago
DAVE Q3 Earnings Call Highlights Higher Outlook and Credit Gains

Dave raises 2026 revenue and profit outlook as strong member growth, improving credit performance and ExtraCash expansion drive Q3 momentum despite an EPS miss.

MarketBeat·3d ago
Dave Q3 Earnings Call Highlights

Dave NASDAQ: DAVE raised its full-year revenue and profit outlook after third-quarter revenue rose 31% from a year earlier, supported by record member additions, higher revenue per user and increased ExtraCash originations.

Filtered for Dave Inc.More Headlines
04

Compare before deciding

Benchmark DAVE against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Dave Inc. (DAVE)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
DAVE logoDAVEDave Inc.Current
$278.59$3.75B19.9659.67%28.14%74.88%—
ORIO logoORIOOrion Digital Corp.
$1.09$25.92M-1.94-4.43%-25.38%-26.71%—
ENVA logoENVAEnova International, Inc.
$172.48$4.29B11.9212.2%11.89%26.36%—
OMF logoOMFOneMain Holdings, Inc.
$56.09$6.48B8.459.54%14.72%22.64%4.62%
AFRM logoAFRMAffirm Holdings, Inc.
$68.11$22.69B11.9022.48%44.6%43.38%—
UPST logoUPSTUpstart Holdings, Inc.
$21.89$2.1B42.1762.84%4.93%8.1%—

Compare DAVE vs Peers

Dave Inc. (DAVE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ORIO

Most directly comparable listed peer for DAVE.

Scale Benchmark

vs V

Larger-name benchmark to compare DAVE against a more recognizable public peer.

Peer Set

Compare Top 5

vs ORIO, ENVA, OMF, AFRM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

DAVE SEC Filings & Documents

Dave Inc. (DAVE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 5, 2026·SEC

Material company update

Jun 2, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Mar 4, 2025·SEC

FY 2024

Mar 5, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

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DAVE Frequently Asked Questions

Dave Inc. (DAVE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Dave Inc.'s revenue?

Dave Inc. (DAVE) reported $690.6M in revenue over the trailing twelve months. Revenue was $554.2M in fiscal year 2025. That is 627% more than the $76.2M of fiscal year 2019.

How fast is Dave Inc. growing?

Dave Inc. (DAVE) grew revenue by 40.6% over the trailing twelve months, compared with the twelve months before.

Is DAVE profitable?

Yes. Dave Inc. (DAVE) earned $194.4M in net income over the trailing twelve months (a 28.1% net margin).

Dividend & Returns
What is DAVE's return on equity?

Dave Inc. (DAVE) had a return on equity (ROE) of 74.9% over the trailing twelve months. That is well above the market's typical 10-15%.

What is Dave Inc.'s free cash flow?

Dave Inc. (DAVE) generated $321.0M in free cash flow over the trailing twelve months.

What if you invested $1,000 in DAVE back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →