Last 25 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.96 | 24.36 | 190.10 | 10.83 | 12.11 | 7.86 | 108.23 | 10.49 | 17.81 | 299.10 | 16.12 | 3.57 | 146.68 | — | — | — | — | — | — | — | — |
| — | +209.9% | +75.6% | +3.2% | -32.0% | -97.4% | +571.5% | +193.7% | -87.9% | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 5.42 | 5.66 | 7.46 | 3.96 | 4.88 | 4.80 | 7.41 | 2.80 | 3.11 | 1.50 | 1.28 | 1.66 | 0.36 | 0.28 | 0.26 | 0.31 | 0.46 | 0.59 | 1.40 | 15.59 | 23.16 |
| — | +17.8% | +0.7% | +41.1% | +57.1% | +219.1% | +478.8% | +69.0% | +764.0% | +434.2% | +395.2% | +443.7% | -21.6% | -52.6% | -81.5% | -98.0% | -98.0% | -97.4% | -94.3% | — | — | |
| P/B Ratio | 11.44 | 16.35 | 24.52 | 12.30 | 9.07 | 9.94 | 18.00 | 6.07 | 6.85 | 3.57 | 2.89 | 3.84 | 1.21 | 0.94 | 0.75 | 0.72 | 1.03 | 1.10 | 1.57 | 15.21 | 98.43 |
| — | +64.5% | +36.2% | +102.7% | +32.4% | +178.2% | +521.7% | +58.2% | +466.6% | +281.5% | +284.4% | +434.0% | +17.6% | -14.6% | -52.0% | -95.3% | -99.0% | -98.4% | -90.4% | — | — | |
| P/FCF | 11.67 | 14.10 | 18.70 | 7.64 | 8.74 | 8.52 | 14.34 | 6.90 | 7.86 | 3.95 | 3.99 | 7.30 | 1.94 | 1.37 | 2.19 | — | — | — | — | — | 49.62 |
| — | +65.4% | +30.4% | +10.7% | +11.2% | +115.7% | +259.7% | -5.4% | +306.2% | +187.5% | +82.0% | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 16.13 | 22.49 | 23.74 | 10.79 | 11.99 | 15.28 | 22.95 | 8.44 | 13.71 | 34.02 | 14.71 | 17.83 | 17.72 | — | — | — | — | — | — | — | 144.02 |
| — | +47.1% | +3.4% | +27.8% | -12.6% | -55.1% | +56.0% | -52.6% | -22.6% | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 20.04 | 14.61 | 14.46 | 9.19 | 12.10 | 12.13 | 73.77 | 8.70 | 16.55 | 53.28 | 16.72 | 3.21 | 19.95 | — | — | — | — | — | — | — | — |
| — | +20.5% | -80.4% | +5.6% | -26.9% | -77.2% | +341.2% | +171.2% | -17.1% | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 86.7% | 69.8% | 72.4% | 86.9% | 87.9% | 86.7% | 86.9% | 84.5% | 93.8% | 81.1% | 79.0% | 89.5% | 89.7% | 54.2% | 49.1% | 46.6% | 49.0% | 40.5% | -2.0% | 42.6% | 66.2% |
| — | -19.6% | -16.6% | +2.9% | -6.2% | +7.0% | +9.9% | -5.6% | +4.5% | +49.6% | +60.9% | +92.2% | +83.1% | +33.7% | +2537.0% | +9.4% | -26.0% | -12.2% | -103.4% | -26.1% | -1.4% | |
| Operating Margin | 33.7% | 24.3% | 30.6% | 37.6% | 39.4% | 30.5% | 31.2% | 32.6% | 20.8% | 2.8% | 7.1% | 7.3% | 2.4% | -16.1% | -34.2% | -21.2% | -33.4% | -66.8% | -115.7% | -53.3% | 16.1% |
| — | -20.2% | -1.9% | +15.5% | +89.2% | +1004.5% | +340.7% | +343.9% | +758.5% | +117.2% | +120.7% | +134.6% | +107.3% | +75.9% | +70.5% | +60.2% | -307.4% | -71.2% | -598.4% | -463.6% | +10.4% | |
| Net Margin | 35.3% | 32.3% | 3.9% | 36.6% | 40.3% | 61.1% | 6.9% | 26.7% | 16.7% | 0.5% | 7.9% | 46.5% | 0.2% | -18.3% | -36.9% | -23.8% | -36.1% | -83.6% | -59.2% | -77.1% | -36.9% |
| — | -47.2% | -42.9% | +37.1% | +141.7% | +12025.1% | -13.5% | -42.6% | +6708.0% | +102.8% | +121.5% | +295.4% | +100.7% | +78.1% | +37.6% | +69.1% | +2.3% | -326.1% | -2450.7% | -771.4% | +62.2% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 73.1% | 26.5% | 3.2% | 20.8% | 20.5% | 36.2% | 4.3% | 15.1% | 9.9% | 0.3% | 4.7% | 31.9% | 0.2% | -14.8% | -24.6% | -13.6% | -18.7% | -33.2% | -16.1% | -30.8% | -33.3% |
| — | -26.9% | -25.2% | +38.2% | +106.5% | +11464.9% | -8.2% | -52.9% | +4506.4% | +102.1% | +119.2% | +335.3% | +101.2% | +55.5% | -52.9% | +55.9% | +43.7% | -482.5% | -4105.9% | -1181.6% | +49.5% | |
| ROA | 49.8% | 10.7% | 1.2% | 11.4% | 14.3% | 23.1% | 2.7% | 9.4% | 5.9% | 0.2% | 2.6% | 12.9% | 0.1% | -4.1% | -7.5% | -4.5% | -6.6% | -13.7% | -7.3% | -12.3% | -10.8% |
| — | -53.8% | -54.4% | +21.5% | +143.6% | +12781.8% | +1.1% | -27.5% | +9572.2% | +104.4% | +135.0% | +389.0% | +100.9% | +70.2% | -3.5% | +63.5% | +39.3% | -238.5% | -2050.6% | -615.5% | +76.1% | |
| ROIC | 50.3% | 13.4% | 12.9% | 13.0% | 14.6% | 12.6% | 13.4% | 12.1% | 7.8% | 1.0% | 2.7% | 2.2% | 0.6% | -3.7% | -7.1% | -3.8% | -5.8% | -10.4% | -13.2% | -8.8% | 6.2% |
| — | +6.2% | -3.7% | +7.9% | +87.5% | +1100.8% | +399.9% | +457.6% | +1192.5% | +128.4% | +137.8% | +156.5% | +110.3% | +64.6% | +46.1% | +56.2% | -193.7% | -34.5% | -558.7% | -421.9% | -14.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.98 | 1.29 | 1.32 | 0.21 | 0.26 | 0.35 | 0.38 | 0.41 | 0.49 | 0.53 | 0.60 | 2.08 | 2.28 | 2.13 | 1.79 | 1.67 | 1.36 | 0.97 | 0.90 | 1.90 |
| — | +279.8% | +271.9% | +247.9% | -48.3% | -46.8% | -35.0% | -36.4% | -80.2% | -78.7% | -75.0% | -66.7% | +24.6% | +67.5% | +120.9% | +98.1% | -12.1% | +46.8% | — | — | +1451.7% | |
| Debt / EBITDA | 0.39 | 5.40 | 4.94 | 4.38 | 1.13 | 1.58 | 1.77 | 2.06 | 3.24 | 17.23 | 10.18 | 10.62 | 52.49 | — | — | — | — | — | — | — | 11.01 |
| — | +242.8% | +180.1% | +113.1% | -65.1% | -90.9% | -82.7% | -80.6% | -93.8% | — | — | — | — | — | — | — | — | — | — | — | +836.6% | |
| Current Ratio | 3.83 | 4.22 | 4.22 | 3.86 | 3.83 | 8.69 | 9.51 | 8.59 | 8.05 | 6.81 | 8.67 | 7.47 | 10.81 | 7.98 | 8.79 | 11.08 | 8.47 | 5.10 | 6.02 | 6.38 | 1.46 |
| — | -51.5% | -55.6% | -55.1% | -52.4% | +27.7% | +9.7% | +15.1% | -25.6% | -14.7% | -1.3% | -32.6% | +27.6% | +56.6% | +46.0% | +73.7% | +480.4% | +155.5% | +472.2% | -74.9% | -49.1% | |
| Quick Ratio | 3.83 | 4.22 | 4.22 | 3.86 | 3.83 | 8.69 | 9.51 | 8.59 | 8.05 | 6.81 | 8.67 | 7.47 | 10.81 | 7.98 | 8.79 | 11.08 | 8.47 | 5.10 | 6.02 | 6.38 | 1.46 |
| — | -51.5% | -55.6% | -55.1% | -52.4% | +27.7% | +9.7% | +15.1% | -25.6% | -14.7% | -1.3% | -32.6% | +27.6% | +56.6% | +46.0% | +73.7% | +480.4% | +155.5% | +472.2% | -74.9% | -49.1% | |
| Interest Coverage | 24.86 | 37.13 | 44.12 | 41.58 | 38.36 | 33.66 | 7.48 | 20.27 | 10.49 | 1.43 | 3.33 | 17.89 | 1.10 | -3.46 | -6.47 | -3.84 | -6.39 | -18.76 | -10.84 | -20.08 | -10.43 |
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Includes 30+ ratios · 25 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 20.0x. The average P/E over the last 4 quarters is 59.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Dave Inc.'s current operating margin is 33.7%. 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.