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Dave Inc./DE

Data quality: 100%
DAVEW
Nasdaq Financial Services Nondepository Credit Institutions
$0.26
▼ $0.00 (-0.88%)
Mkt Cap: 3.76 M
Price
$0.26
Mkt Cap
3.76 M
Day Range
$0.24 — $0.29
52-Week Range
$0.24 — $0.29
Volume
3,966
Open $1.43
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Earnings grew 238.44% over the past year
ROE of 77.05% indicates high profitability
Net margin of 35.34% shows strong profitability
Debt/Equity of 0.26 — conservative balance sheet
Generating 289.71 M in free cash flow
P/E of 0.02 — trading at a low valuation

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)59.67%
Earnings (1Y)238.44%
FCF Growth (3Y)196.00%

Quality

Return on Equity
77.05%
Above sector avg (9.24%)
ROICN/A
Net Margin35.34%
Op. MarginN/A

Safety

Debt / Equity
0.26
Below sector avg (0.49)
Current Ratio8.69
Interest CoverageN/A

Valuation

PE (TTM)
0.02
Below sector avg (11.15)
P/B Ratio0.01
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 0.0 11.2
P/B 0.0 1.2
ROE % 77.1 9.2
Net Margin % 35.3 9.4
Rev Growth 5Y % — 5.8
D/E 0.3 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) 59.67% Revenue Growth (3Y) 46.25%
Earnings Growth (1Y) 238.44% Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 554.18 M Net Income (TTM) 195.87 M
ROE 77.05% ROA 49.16%
Gross Margin N/A Operating Margin N/A
Net Margin 35.34% Free Cash Flow (TTM) 289.71 M
ROIC N/A FCF Growth (3Y) 196.00%
Safety
Debt / Equity 0.26 Current Ratio 8.69
Interest Coverage N/A Asset Turnover 1.39
Working Capital 341.58 M Tangible Book Value 277.38 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 0.02 Forward P/E N/A
P/B Ratio 0.01 P/S Ratio 0.01
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 7697.71%
Market Cap 3.76 M Enterprise Value 28.87 M
Per Share
EPS (Diluted TTM) 13.53 Revenue / Share 38.27
FCF / Share 20.01 OCF / Share 20.03
EPS CAGR (1Y) 222.91% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.06% FCF Conversion 147.91%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2021 FY2022
Revenue 554.18 M 347.08 M 259.09 M — 204.84 M
Net Income 195.87 M 57.87 M -48.52 M -5.27 M -128.91 M
EPS (Diluted) 13.53 4.19 -4.07 — -11.12
Gross Profit — — — — —
Operating Income — — — -6.38 M —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 7.13 M 7.68 M 5.54 M — 7.13 M
Interest Expense 7.04 M 7.99 M 11.77 M — 9.20 M
Income Tax -27.84 M 2.48 M 120,000.0 0.0 -67,000.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2021 FY2022
Total Assets 487.42 M 299.33 M 294.02 M 254.62 M 321.49 M
Total Liabilities 134.69 M 116.23 M 206.96 M 30.22 M 214.93 M
Shareholders' Equity 352.73 M 183.10 M 87.06 M -29.37 M 106.56 M
Total Debt 0.0 75.00 M 75.00 M — 75.00 M
Cash & Equivalents 80.52 M 49.72 M 41.76 M — 22.89 M
Current Assets 436.70 M 282.27 M 276.89 M 829,593.0 308.57 M
Current Liabilities 114.00 M 35.06 M 25.60 M 5.04 M 36.42 M