Last 23 quarters of trend data · Technology · Software - Application
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Dave Inc.'s quarterly P/E stands at 10.8x, up 3.2% year-over-year. EV/EBITDA has expanded 269.8% YoY to 31.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 23.24 | 10.83 | 12.11 | 7.86 | 108.23 | 10.49 | 17.81 | 299.10 | 16.12 | 3.57 | 146.68 | — | — |
| — | +3.2% | -32.0% | -97.4% | +571.5% | +193.7% | -87.9% | — | — | — | — | — | — | |
| P/S Ratio | 8.26 | 4.25 | 6.58 | 4.80 | 7.41 | 2.80 | 3.11 | 1.50 | 1.28 | 1.66 | 0.36 | 0.28 | 0.26 |
| — | +51.5% | +111.7% | +219.1% | +478.8% | +69.0% | +764.0% | +434.2% | +395.2% | +443.7% | -21.6% | -52.6% | -81.5% | |
| P/B Ratio | 12.91 | 12.30 | 9.07 | 9.94 | 18.00 | 6.07 | 6.85 | 3.57 | 2.89 | 3.84 | 1.21 | 0.94 | 0.75 |
| — | +102.7% | +32.4% | +178.2% | +521.7% | +58.2% | +466.6% | +281.5% | +284.4% | +434.0% | +17.6% | -14.6% | -52.0% | |
| P/FCF | 14.59 | 7.64 | 8.74 | 8.52 | 14.34 | 6.90 | 7.86 | 3.95 | 3.99 | 7.30 | 1.94 | 1.37 | 2.19 |
| — | +10.7% | +11.2% | +115.7% | +259.7% | -5.4% | +306.2% | +187.5% | +82.0% | — | — | — | — | |
| EV / EBITDA | 87.72 | 31.23 | — | 15.28 | 22.95 | 8.44 | 13.71 | 34.02 | 14.71 | 17.83 | 17.72 | — | — |
| — | +269.8% | — | -55.1% | +56.0% | -52.6% | -22.6% | — | — | — | — | — | — | |
| EV / EBIT | 102.98 | 31.23 | 12.15 | 12.13 | 73.77 | 8.70 | 16.55 | 53.28 | 16.72 | 3.21 | 19.95 | — | — |
| — | +259.1% | -26.6% | -77.2% | +341.2% | +171.2% | -17.1% | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Dave Inc.'s operating margin was 14.3% in Q1 2026, up 81.1 pp QoQ and down 18.2 pp YoY. The trailing four-quarter average of 2.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 13.0% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.8% | 81.3% | 69.3% | 86.7% | 86.9% | 93.4% | 93.8% | 90.7% | 90.3% | 89.5% | 89.7% | 54.2% | 49.1% |
| — | -13.0% | -26.1% | -4.4% | -3.8% | +4.4% | +4.5% | +67.4% | +83.8% | +92.2% | +83.1% | +33.7% | +2537.0% | |
| Operating Margin | 8.0% | 14.3% | -66.8% | 30.5% | 31.2% | 32.6% | 20.8% | 2.8% | 7.1% | 7.3% | 2.4% | -16.1% | -34.2% |
| — | -56.0% | -420.9% | +1004.5% | +340.7% | +343.9% | +758.5% | +117.2% | +120.7% | +134.6% | +107.3% | +75.9% | +70.5% | |
| Net Margin | 38.3% | 39.3% | 54.3% | 61.1% | 6.9% | 26.7% | 16.7% | 0.5% | 7.9% | 46.5% | 0.2% | -18.3% | -36.9% |
| — | +47.1% | +226.1% | +12025.1% | -13.5% | -42.6% | +6708.0% | +102.8% | +121.5% | +295.4% | +100.7% | +78.1% | +37.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 73.1% | 20.8% | 20.5% | 36.2% | 4.3% | 15.1% | 9.9% | 0.3% | 4.7% | 31.9% | 0.2% | -14.8% | -24.6% |
| — | +38.2% | +106.7% | +11464.9% | -8.2% | -52.9% | +4506.4% | +102.1% | +119.2% | +335.3% | +101.2% | +55.5% | -52.9% | |
| ROA | 49.8% | 11.4% | 14.3% | 23.1% | 2.7% | 9.4% | 5.9% | 0.2% | 2.6% | 12.9% | 0.1% | -4.1% | -7.5% |
| — | +21.5% | +143.8% | +12781.8% | +1.1% | -27.5% | +9572.2% | +104.4% | +135.0% | +389.0% | +100.9% | +70.2% | -3.5% | |
| ROIC | 11.1% | 4.6% | -18.3% | 12.6% | 13.4% | 12.1% | 7.8% | 1.0% | 2.7% | 2.2% | 0.6% | -3.7% | -7.1% |
| — | -61.7% | -335.9% | +1100.8% | +399.9% | +457.6% | +1192.5% | +128.4% | +137.8% | +156.5% | +110.3% | +64.6% | +46.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Dave Inc.'s Debt/EBITDA ratio is 12.7x — elevated, raising questions about debt serviceability. The current ratio has weakened 55.1% YoY to 3.86x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 1.32 | 0.21 | 0.26 | 0.35 | 0.38 | 0.41 | 0.49 | 0.53 | 0.60 | 2.08 | 2.28 | 2.13 |
| — | +247.9% | -48.3% | -46.8% | -35.0% | -36.4% | -80.2% | -78.7% | -75.0% | -66.7% | +24.6% | +67.5% | +120.9% | |
| Debt / EBITDA | 1.56 | 12.68 | — | 1.58 | 1.77 | 2.06 | 3.24 | 17.23 | 10.18 | 10.62 | 52.49 | — | — |
| — | +516.5% | — | -90.9% | -82.7% | -80.6% | -93.8% | — | — | — | — | — | — | |
| Current Ratio | 3.83 | 3.86 | 3.83 | 8.69 | 9.51 | 8.59 | 8.05 | 6.81 | 8.67 | 7.47 | 10.81 | 7.98 | 8.79 |
| — | -55.1% | -52.4% | +27.7% | +9.7% | +15.1% | -25.6% | -14.7% | -1.3% | -32.6% | +27.6% | +56.6% | +46.0% | |
| Quick Ratio | 3.83 | 3.86 | 3.83 | 8.69 | 9.51 | 8.59 | 8.05 | 6.81 | 8.67 | 7.47 | 10.81 | 7.98 | 8.79 |
| — | -55.1% | -52.4% | +27.7% | +9.7% | +15.1% | -25.6% | -14.7% | -1.3% | -32.6% | +27.6% | +56.6% | +46.0% | |
| Interest Coverage | 24.86 | 12.23 | 38.22 | 33.66 | 7.48 | 20.27 | 10.49 | 1.43 | 3.33 | 17.89 | 1.10 | -3.46 | -6.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 23 years · Updated daily
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Quick answers to the most common questions about buying DAVE stock.
Dave Inc.'s current P/E is 23.2x. The average P/E over the last 4 quarters is 34.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Dave Inc.'s current operating margin is 8.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Dave Inc.'s business trajectory between earnings reports.