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    Software - Application
Dave Inc.

Dave Inc.

DAVE
Dave Inc.US flagNASDAQ Global Market
374.14
USD
-9.82
- -
5.03BMarket Cap

Income Statement (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
76
122
153
205
259
347
554
+ Sales & Services Revenue
76
122
153
205
259
347
554
- Cost of Revenue
15
22
23
32
61
65
74
+ Cost of Goods & Services
15
22
23
32
61
65
74
Gross Profit
61
100
130
173
198
282
480
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
59
102
176
307
240
247
294
+ Selling, General & Admin
32
60
101
172
150
159
169
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
27
41
75
135
90
88
124
Operating Income (Loss)
2
-1
-47
-134
-42
35
187
- Non-Operating (Income) Loss
- -
5
-27
-5
6
-26
19
+ Interest Expense, Net
- -
- -
2
6
6
5
5
+ Interest Expense
1
- -
3
9
12
8
7
- Interest Income
- -
- -
- -
3
5
3
2
+ Other Non-Op (Income) Loss
- -
6
-29
-12
- -
-31
13
Pretax Income
1
-7
-20
-129
-48
60
168
- Income Tax Expense (Benefit)
1
- -
- -
- -
- -
2
-28
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
1
-7
-20
-129
-49
58
196
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
1
-7
-20
-129
-49
58
196
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
-7
-20
-129
-49
58
196
- Preferred Dividends
1
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
- -
-7
-20
-129
-49
58
196
EBIT
2
-1
-47
-134
-42
35
187
EBITDA
3
- -
-44
-127
-37
42
194
EBITDA Margin (%)
3.39
0.28
-28.64
-62.13
-14.15
12.19
34.96
EBITA
2
-1
-47
-134
-42
35
187
Gross Margin (%)
80.04
82.23
84.67
84.4
76.3
81.24
86.69
Operating Margin (%)
2.33
-1.13
-30.64
-65.61
-16.29
9.97
33.68
Profit Margin (%)
1.03
-5.71
-13.07
-62.93
-18.73
16.67
35.34
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
3
7
6
8
7
Basic Weighted Avg Shares
12
12
12
12
12
13
13
Basic EPS, GAAP
- -
-0.6
-1.72
-10.93
-4.07
4.62
14.65
Basic EPS from Cont Ops
0.07
-0.6
-1.72
-10.93
-4.07
4.62
14.65
Diluted Weighted Avg Shares
12
12
12
12
12
14
14
Diluted EPS, GAAP
- -
-0.6
-1.72
-10.93
-4.07
4.19
13.53
Diluted EPS from Cont Ops
0.07
-0.6
-1.72
-10.93
-4.07
4.19
13.53

Balance Sheet (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
62
69
100
309
277
282
437
+ Cash, Cash Equivalents & STI
32
22
40
192
156
90
121
+ Cash & Cash Equivalents
6
5
32
23
42
50
81
+ ST Investments
25
18
8
169
114
41
41
+ Accounts & Notes Receiv
29
39
49
104
113
176
297
+ Accounts Receivable, Net
29
39
49
104
113
176
297
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
1
8
11
12
8
16
18
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
5
7
47
13
17
17
51
+ Property, Plant & Equip, Net
2
2
3
2
2
1
1
+ Property, Plant & Equip
2
2
4
2
3
3
3
- Accumulated Depreciation
- -
- -
- -
1
1
2
2
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
3
5
44
11
15
16
50
+ Total Intangible Assets
2
5
8
10
13
14
14
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
2
5
8
10
13
14
14
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
1
1
36
1
2
2
36
Total Assets
67
76
147
321
294
299
487
+ Payables & Accruals
9
16
28
30
18
25
25
+ Accounts Payable
7
8
13
11
5
7
8
+ Accrued Taxes
1
1
1
1
1
2
3
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
1
7
14
18
11
16
14
+ ST Debt
- -
4
38
- -
- -
- -
75
+ ST Borrowings
- -
4
36
- -
- -
- -
75
+ ST Finance Leases
- -
- -
2
- -
- -
- -
- -
+ Other ST Liabilities
1
4
3
6
7
9
14
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
1
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
1
4
3
6
7
9
13
Total Current Liabilities
10
24
69
36
26
35
114
+ LT Debt
2
2
36
178
181
75
- -
+ LT Borrowings
1
1
35
177
180
75
- -
+ LT Finance Leases
1
1
1
1
1
- -
- -
+ Other LT Liabilities
- -
1
4
1
- -
6
21
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
1
4
1
- -
6
21
Total Noncurrent Liabilities
2
2
40
179
181
81
21
Total Liabilities
12
27
108
215
207
116
135
+ Preferred Equity and Hybrid Capital
72
72
- -
- -
- -
- -
- -
+ Share Capital & APIC
4
5
87
270
297
335
353
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
4
5
87
270
297
335
353
- Treasury Stock
- -
- -
- -
- -
- -
- -
44
+ Retained Earnings
-6
-13
-33
-162
-210
-152
43
+ Other Equity
- -
- -
- -
-2
1
- -
- -
Equity Before Minority Interest
55
50
39
107
87
183
353
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
Total Equity
55
50
39
107
87
183
353
Total Liabilities & Equity
67
76
147
321
294
299
487
Shares Outstanding
12
12
12
12
12
13
14
Number of Employees
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
2
1
3
1
1
1
- -
Net Debt
-6
- -
39
154
139
25
-6
Net Debt to Equity
-10.33
-0.34
100
144.93
159.3
13.81
-1.57
Tangible Common Equity Ratio
-29.19
-37.32
22.17
30.96
26.3
59.32
71.57
Current Ratio
6.5
2.87
1.46
8.47
10.81
8.05
3.83
Cash Conversion Cycle
- -
-24.85
-62.87
-3.26
102.63
117.46
118.41

Cash Flow Statement (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
1
-7
-20
-129
-49
58
196
+ Depreciation & Amortization
1
2
3
7
6
8
7
+ Non-Cash Items
20
27
8
86
88
61
100
+ Stock-Based Compensation
- -
2
7
41
27
37
30
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
-34
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
20
25
1
45
61
24
104
+ Chg in Non-Cash Work Cap
-33
-31
8
-9
-11
-2
-13
+ (Inc) Dec in Accts Receiv
5
2
3
- -
-4
-6
-17
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-41
-42
- -
-13
4
-8
-2
+ Inc (Dec) in Accts Payable
8
8
10
4
-10
9
- -
+ Inc (Dec) in Other
-5
1
-5
-1
-1
3
5
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
-11
-9
-1
-45
34
125
290
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-3
-4
-6
-9
-9
-8
-7
+ Acq of Fixed Prod Assets
-1
- -
- -
-1
-1
- -
- -
+ Acq of Intangible Assets
-2
-4
-6
-9
-8
-7
-6
+ Cash (Repurchase) of Equity
- -
- -
- -
194
- -
- -
-44
+ Increase in Capital Stock
- -
- -
- -
195
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
-1
- -
- -
-44
+ Net Change in LT Investment
-17
8
9
-162
57
73
- -
+ Dec in LT Investment
16
8
9
358
212
244
190
+ Inc in LT Investment
-33
- -
- -
-520
-154
-171
-190
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
-40
-114
-63
-111
-196
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-20
3
-37
-286
-14
-46
-203
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
-16
4
66
120
- -
-71
- -
+ Cash From Debt
2
4
70
140
- -
- -
- -
+ Repayments of Debt
-18
- -
-4
-20
- -
-71
- -
+ Other Financing Activities
50
- -
-1
7
- -
- -
-13
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
34
4
65
322
- -
-71
-56
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
3
-1
27
-9
19
8
31
EBITDA
3
- -
-44
-127
-37
42
194
EBITDA Margin (%)
3.39
0.28
-28.64
-62.13
-14.15
12.19
34.96
Free Cash Flow
-14
-13
-7
-54
25
118
283
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
-13
- -
- -
- -
- -
125
- -
Free Cash Flow to Equity
- -
-5
-7
74
33
54
290
Free Cash Flow per Basic Share
-1.16
-1.15
-0.6
-4.59
2.11
9.38
21.19
Price/Free Cash Flow
- -
- -
642.24
-3.08
2.37
9.05
10.8
Cash Flow to Net Income
-13.89
1.31
0.03
0.35
-0.7
2.16
1.48
Capital Expenditures
-3
-4
-6
-9
-9
-8
-7