Dave Inc.

As of June 30, 2026, Dave, Inc. Class A carries a market capitalization of 4.15B, placing it among publicly traded companies globally. Its enterprise value stands at 4.16B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Dave, Inc. Class A's next confirmed earnings release is scheduled for November 10, 2026.

As of June 30, 2026, Dave, Inc. Class A has 12.80M shares outstanding.

As of June 30, 2026, Dave, Inc. Class A trades at a trailing price-to-earnings ratio of 22.06. The price-to-sales ratio is 7.63, and the price-to-book ratio stands at 22.79.

As of June 30, 2026, Dave, Inc. Class A trades at an EV/EBITDA multiple of 21.02 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 7.38 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 21.76 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 4.16B versus a market cap of 4.15B, with the gap driven by net debt and cash on the balance sheet.

As of June 30, 2026, Dave, Inc. Class A maintains a current ratio of 4.22, meaning it holds 4.2x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 129.14, indicating elevated leverage, while an interest coverage ratio of 31.14 demonstrates strong ability to service its debt obligations.

Over the twelve months ended June 30, 2026, Dave, Inc. Class A posted a return on equity (ROE) of 104.78, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 47.66, measuring how efficiently the asset base is converted into earnings. The company generates approximately 2.02M in revenue per employee across its workforce of 278.50, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, Dave, Inc. Class A recorded an income tax benefit of -13.26M rather than an expense, typically from losses, carryforwards, or the release of a tax provision. Taxes are levied on pretax income of 181.61M, leaving 194.87M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

These figures are as of the close on October 23, 2026.

Over the twelve months ended June 30, 2026, Dave, Inc. Class A generated 563.39M in revenue and converted that into 194.87M in net income, yielding earnings per share of 13.67. EBITDA reached 197.82M, while operating income came in at 194.49M.

As of June 30, 2026, Dave, Inc. Class A holds 222.39M in cash and equivalents against 234.99M in total debt, resulting in a net debt position of 51.22M. Total book value stands at 181.97M, with working capital of 346.77M providing operational flexibility.

Dave, Inc. Class A produced 286.18M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -6.79M in capital expenditures, free cash flow totaled 279.39M - equivalent to 21.04 per share.

Over the twelve months ended June 30, 2026, Dave, Inc. Class A posted a gross margin of 87.17, reflecting its pricing power and cost economics. The operating margin of 34.52 and net profit margin of 34.59 provide insight into operational efficiency.

These figures cover the twelve months ended June 30, 2026. Free cash flow yield stands at 6.05, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 1.59, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Dave, Inc. Class A shareholders.

Dave, Inc. Class A's most recent stock split took place on January 6, 2023 with a 32:1 split ratio.

As of June 30, 2026, Dave, Inc. Class A has an Altman Z-Score of 11.43, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.