Back

Watch Compare

Dave Inc./DE

Data quality: 100%

DAVEW

NASDAQ Financial Services Nondepository Credit Institutions

$0.51

▲ $0.06 (13.54%)

6 months return

—

Momentum

Neutral

1Y earnings growth

238.44%

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 (9.22%)

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 (11.13)

P/B Ratio0.01

EV/EBITDAN/A

Dividend YieldN/A

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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

Price History

Financial Trends

Analyst Price Target

No analyst coverage available

Growth

Rev 5Y: N/A · Earnings 1Y: 238.44%

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

ROE: 77.05% · Net Margin: 35.34%

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

D/E: 0.26 · Current: 8.69

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

Yield: N/A · Payout: N/A

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: 0.02 · EV/EBITDA: N/A

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	0.00	Fwd Earnings Yield	N/A
FCF Yield	7697.71%
Market Cap	3.76 M	Enterprise Value	28.87 M

Per Share

EPS: 13.53 · FCF/Share: 20.01

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

FCF Conv: 147.91% · CapEx/Rev: 0.06%

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