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DAVEDave Inc.
$326.19$4.4B
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 · Application Software
$326.19
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$4.39B
P/E24.1x
52W High$458.25
Volume632.39K
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%). However, the recent gross margin compression...

GrowthAccelerating
ProfitabilityStrong
ValuationExpensive
TechnicalsMixed
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

In Line

P/E is in line with peer median

03

Market leadership

RS 81 · Leader

High momentum (Outperforming 81% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Nov 5

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
DAVE+48.62%
S&P 500 (^GSPC)+12.39%
1-Year Return
DAVE+40.98%
S&P 500 (^GSPC)+15.77%
3-Year Return
DAVE+5309.45%
S&P 500 (^GSPC)+61.19%
5-Year Return
DAVE+2.34%
S&P 500 (^GSPC)+60.49%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
24.1x
Forward P/E
24.3x
EV/EBITDA50th %ile
22.6x
FCF YieldCash Flow
6.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
24.1x
20.7x
100th· High
EV/EBITDA
22.6x
29.0x
50th· Fair
Price/FCF
15.1x
9.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$113.47-65.2%
Base (Fair)$189.40-43.9%
Bull$199.64-38.8%
$113.47 Bear$189.40 Base$199.64 Bull
Current Market Price: $326.19
Trades at a 72.2% premium to Base DCF ($189.40)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$554M+59.7% YoY
Net income
$196M+238.4% YoY
Free cash flow
$290M+132.0% YoY
Operating margin
33.7%+23.7 pts YoY
ROIC (TTM)50.3%
Avg ROIC 5Y-
ROE (TTM)73.1%
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)
Q3 2026Latest
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
Q4 2025
Nov 4, 2025
$6.34+248.4%
vs $1.82
$151M+13.3%
vs $133M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·5d ago
2,434 Shares in Dave Inc. $DAVE Purchased by Squarepoint Ops LLC

Squarepoint Ops LLC acquired a new stake in Dave Inc. (NASDAQ: DAVE) in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm acquired 2,434 shares of the fintech company's stock, valued at approximately $907,000. A number of other institutional investors

The Motley Fool·Sep 15, 2026
Why Dave & Buster's Stock Tumbled Today

Dave & Buster's arcades aren't attracting as many gamers. Management hopes new games will lure back diners.

MarketBeat·Sep 15, 2026
Could Dave & Buster's Capitulation Signal the Bottom Is Finally In?

Dave & Buster's NASDAQ: PLAY has its share of headwinds, but not to the degree its stock price action suggests. The mid-September plunge, triggered by weaker-than-expected Q2 results, pushed the stock to a record low, well below existing support and on track for what could be a monumental slide.

Investopedia·Sep 15, 2026
Dave & Buster's Stock Plunges After a Surprise Loss

Shares of Dave & Buster's Entertainment are tumbling after the restaurant and arcade operator posted a surprise loss.

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
$326.19$4.39B24.1159.67%35.34%73.11%—
MOGO logoMOGOMogo Inc.
$0.69$16.67M-1.729.18%10.86%9.73%—
ENVA logoENVAEnova International, Inc.
$168.37$4.19B14.5412.2%11.81%25.76%—
OMF logoOMFOneMain Holdings, Inc.
$57.25$6.61B8.739.54%12.17%23.07%—
AFRM logoAFRMAffirm Holdings, Inc.
$68.09$22.68B453.9338.8%56.52%47.91%—
UPST logoUPSTUpstart Holdings, Inc.
$24.45$2.34B54.3362.84%5.22%7.85%—

Compare DAVE vs Peers

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

Closest Rival

vs MOGO

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 MOGO, 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 $643.7M in revenue for fiscal year 2025. This represents a 744% increase from $76.2M in 2019.

How fast is Dave Inc. growing?

Dave Inc. (DAVE) grew revenue by 59.7% over the past year. This is strong growth.

Is DAVE profitable?

Yes, Dave Inc. (DAVE) is profitable, generating $222.6M in net income for fiscal year 2025 (35.3% net margin).

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

Dave Inc. (DAVE) has a return on equity (ROE) of 73.1%. This is excellent, indicating efficient use of shareholder capital.

What is Dave Inc.'s free cash flow?

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.

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

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

See returns →