Dave Inc. (DAVE) P/E Ratio History
UndervaluedTrading at 20.0x vs 5Y avg 23.7x · 50th percentile · Below historical baseline · Data 2024–2026
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P/E Ratio Analysis
As of November 8, 2026, Dave Inc. (DAVE) trades at a price-to-earnings ratio of 20.0x, with a stock price of $278.59 and trailing twelve-month earnings per share of $13.96.
The current P/E is 16% below its 5-year average of 23.7x. Over the past five years, DAVE's P/E has ranged from a low of 11.2x to a high of 69.8x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.1x, DAVE trades at a 66% premium to its sector peers. The sector includes 763 companies with P/E ratios ranging from 0.0x to 190.1x.
Relative to the broader market, DAVE trades roughly in line with the S&P 500 median P/E of 21.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our DAVE DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
DAVE Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
DAVE P/E vs Peers
Card Issuers and Fintech Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $4B | 11.9 | - | +56% | |
| $6B | 8.4 | 2.15 | +55% | |
| $23B | 11.9 | - | +3587%Best | |
| $2B | 42.2 | 2.94 | +131% | |
| $528M | 5.6 | - | +175% | |
| $493M | 3.1Lowest | - | -535% | |
| $1B | 7.8 | 0.91Best | +25% | |
| $789B | 33.8 | 2.00 | +21% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
DAVE Historical P/E Data (2024–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q3 | Sep 30 2026 | $321.51 | $12.38 | 26.0x | +10% |
| FY2026 Q2 | - | $372.59 | $15.42 | 24.2x | +2% |
| FY2026 Q1 | - | $174.09 | $15.55 | 11.2x | -53% |
| FY2025 Q4 | Dec 31 2025 | $221.41 | $13.50 | 16.4x | -31% |
| FY2025 Q3 | - | $199.35 | $10.15 | 19.6x | -17% |
| FY2025 Q2 | Jun 30 2025 | $268.41 | $3.84 | 69.8x | +195% |
| FY2025 Q1 | Mar 31 2025 | $82.66 | $3.69 | 22.4x | -6% |
| FY2024 Q4 | - | $86.92 | $4.32 | 20.1x | -15% |
| FY2024 Q3 | Sep 30 2024 | $39.96 | $3.12 | 12.8x | -46% |
| FY2024 Q2 | Jun 30 2024 | $30.30 | $2.07 | 14.6x | -38% |
Average P/E for displayed period: 23.7x
DAVE Chart Terminal
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Live Breakouts Feed
High-probability breakout stocks crossing their pivot across 5 pattern engines.
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
DAVE — Frequently Asked Questions
Quick answers to the most common questions about buying DAVE stock.
What is DAVE's P/E ratio?
Dave Inc. (DAVE) trailing twelve-month P/E ratio is 20.0x, based on TTM diluted EPS of $13.96. The 5-year average P/E is 23.7x and the historical range spans 11.2x to 69.8x.
Is DAVE stock overvalued or undervalued?
DAVE trades at 20.0x P/E, near its 5-year average of 23.7x. The 50th percentile ranking within the 11.2x–69.8x historical range places valuation within normal bounds.
Is DAVE stock expensive?
DAVE is fairly valued relative to its own history. The current P/E of 20.0x is near the 5-year average of 23.7x (50th percentile of historical range).
What is DAVE's historical P/E range?
Over the past 5 years, DAVE's P/E ratio has ranged from 11.2x to 69.8x, with a median of 20.1x and an average of 23.7x. The current P/E of 20.0x places the stock at the 50th percentile of this range. Full historical data spans 2024–2026.
How does DAVE's P/E compare to the S&P 500?
DAVE trades at 20.0x P/E versus the S&P 500 median of 21.8x. The 8% discount to the market suggests lower growth expectations or perceived higher risk.
How does DAVE's valuation compare to Financial Services peers?
Dave Inc. P/E of 20.0x compares to the Financial Services sector median of 12.1x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is DAVE's PEG ratio?
DAVE PEG ratio is N/A, based on a P/E of 20.0x and EPS growth of 222.9%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is DAVE's earnings yield?
DAVE earnings yield is 5.01%, the inverse of its 20.0x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.