Dave Inc.

Dave Inc.

DAVEW
Dave Inc.US flagNASDAQ
3.62
USD
-0.37
- -
5.82BMarket Cap
Dave Inc.
DAVEW
(NASDAQ)

Recent

price

3.62

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
76
122
153
205
259
347
554
605
Sales/Revenue/Turnover
2.33
-1.13
-30.64
-65.61
-16.29
9.97
33.68
34.9
Operating Margin (%)
1
2
3
7
6
8
7
7
Depreciation Expense
1
-7
-20
-129
-49
58
196
225
Net Income, GAAP
40.92
- -
- -
- -
- -
4.11
- -
38.87
Effective Tax Rate (%)
1.03
-5.71
-13.07
-62.93
-18.73
16.67
35.34
37.21
Profit Margin (%)
53
45
32
272
251
247
323
355
Working Capital
2
2
36
178
181
75
- -
193
LT Debt
55
50
39
107
87
183
353
204
Total Equity
- -
- -
- -
- -
- -
13.6
- -
35.93
Return on Invested Capital (%)
- -
- -
- -
- -
- -
-123.74
- -
61.41
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
75
75
LT Borrowings
75
- -
193
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
13
Market Capitalization
- -
- -
- -

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
386
437
480
Cash, Cash Equivalents & STI
92
121
176
Accounts Receivable, Net
268
297
279
Inventories
- -
- -
- -
Total Current Liabilities
44
114
124
Payables & Accruals
34
25
36
ST Debt
- -
75
75
Deferred Revenue
1
1
1

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
67.49%
92.64%
Free Cash Flow
- -
197.24%
140.91%
Net Income, GAAP
- -
137.79%
238.44%
Sales/Revenue/Turnover
- -
35.92%
59.67%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
74
80
92
101
347
2025
108
132
151
164
554
2026
158
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Dave Inc. Dave Inc. (Nasdaq: DAVE) operates as a U.S.-based financial technology company and neobank, offering a mobile-first platform that provides banking, credit, and financial wellness tools to over 11 million members, primarily targeting underbanked consumers and younger demographics such as Gen Z and millennials. The company delivers core products and services including Dave Checking, a fee-free digital checking and demand deposit account with early direct deposit up to two days, Round Up savings features, and interest-earning capabilities; ExtraCash, a short-term cash advance product offering up to $500 with no interest or late fees as an alternative to overdraft charges and payday loans; Goals account, a high-yield savings option at 4.00% APY; Budget and Insights tools for personal financial management, income/expense tracking, and budgeting; Side Hustle, a job board connecting users to over 1,000 supplemental work opportunities; and Surveys for paid micro-tasks directly deposited to accounts. Founded in 2017 by Jason Wilk and headquartered in Los Angeles, California, Dave Inc. conducts operations primarily in the United States through partnerships with FDIC-insured sponsor banks such as Evolve Bank & Trust. Recent strategic developments include a non-binding letter of intent signed in November 2024 to partner with a publicly-traded sponsor bank for ExtraCash origination, deposit account management, debit card issuance, ACH processing, and co-development of new banking and credit products, aiming to diversify commercial relationships and support scalability; entry into a five-year Program Agreement announced in February 2025; and expansion of its share repurchase authorization to $125 million in August 2025 amid strong profitability and free cash flow projections.

Company News

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