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Dave Inc./DE

DAVE

$276.00 ▼ -59.76 (-17.80%) at close

6 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Dave Inc./DE shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.7B

Dividend Yield —

Revenue Growth 59.7% ↗

Op. Margin —

ROIC —

FCF / Share $21.67 ↗

Trailing P/E 18.8x

Price / Book 10.5x

FCF Yield 7.9%

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Nov 5, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$554.18M

↑ +59.7% —

Net Income Profit after all expenses

$195.87M

↑ +238.4% —

FCF / Share Free cash flow per share

$21.67

↑ +117.3% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health

Cash Quality ↑

Financial view

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Annual Quarterly

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	59.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+895%)	34.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+466%)	26.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+341%)	33.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+464%)	—	—
EPS Growth YoY (%)	217.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	63.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-137.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	238.4% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	62.4% Excellent Excellent Year-over-year change in net income	-544.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	117.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	260.0% Excellent Excellent Year-over-year change in free cash flow	N/M	-1741.5% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	39.3% Excellent Excellent Compound annual revenue growth over 3 years	31.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Effective Tax Rate (%) (%)	-16.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	35.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	-18.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-185%)	-62.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-386%)	-13.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	—
FCF Margin (%) (%)	52.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	36.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.8% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-22.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-0.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.48x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	2.16x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.68x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.35x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.05x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Common Equity (%) (%)	55.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+363%)	31.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+163%)	-55.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-564%)	-121.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1108%)	-51.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-530%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.86x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	0.70x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	—
Net Debt (USD)	$-80.52M	$25.28M	$33.24M	$52.11M	$2.99M	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$41.46	$27.72	$21.71	$17.68	$35.86	—
Basic EPS, GAAP (USD)	$14.65	$4.62	$-4.07	$-11.12	$-4.69	—
Free Cash Flow per Share (USD)	$21.67	$9.97	$2.77	$-3.94	$-0.21	—
Book Value per Share (USD)	$26.39	$14.62	$7.29	$9.20	$9.08	—
Tangible Book Value per Share (USD)	$26.39	$14.62	$7.29	$9.20	$9.08	—
Basic Weighted Avg Shares (shares)	13.37M	12.52M	11.93M	11.59M	4.27M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD)	$322.70M	$247.21M	$251.28M	$272.15M	$31.57M	—
LT Debt (USD)	$0.00	$75.00M	$75.00M	$75.00M	$35.00M	—
Total Equity (USD)	$352.73M	$183.10M	$87.06M	$106.56M	$38.74M	$49.84M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$554.18M	$347.08M	$259.09M	$204.84M	$153.01M	—
Depreciation Expense (USD)	$7.13M	$7.68M	$5.54M	$7.13M	$3.06M	—
Net Income, GAAP (USD)	$195.87M	$57.87M	$-48.52M	$-128.91M	$-19.99M	—
Operating Cash Flow (USD)	$290.02M	$125.14M	$33.75M	$-44.88M	$-541.00K	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 6 years · 23 quarters

Dave Inc./DE

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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