Dave Inc.

334.60

EUR

+3.60

(+1.09%)

13.67EPS

Nov 10Next Earn

Profitability (USD)

Profitability Ratios API ChatGPT

	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

Return on Common Equity (%)	- -	- -	- -	-177.44	-50.11	42.84	73.11
Return on Assets (%)	- -	-9.7	-17.88	-55.01	-15.76	19.51	49.79
Return on Capital (%)	- -	- -	- -	- -	- -	24.87	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	26.37	- -
Gross Margin (%)	80.04	82.23	84.67	84.4	76.3	81.24	86.69
EBITDA Margin (%)	4.06	-3.39	-2.17	-58.4	-14.14	21.54	34.37
Operating Margin (%)	2.33	-1.13	-30.64	-65.61	-16.29	9.97	33.68
Incremental Operating Margin (%)	- -	- -	- -	- -	169.93	87.3	73.4
Pretax Margin (%)	1.75	-5.59	-13	-62.96	-18.68	17.39	30.32
Profit Margin (%)	1.03	-5.71	-13.07	-62.93	-18.73	16.67	35.34
Net Income to Common Margin (%)	- -	-5.71	-13.07	-62.93	-18.73	16.67	35.34
Effective Tax Rate (%)	40.92	- -	- -	- -	- -	4.11	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	-177.44	-50.11	42.84	73.11

Credit (USD)

Credit Ratios API ChatGPT

	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 Debt	3	6	74	178	181	76	75
ST Debt	- -	4	38	- -	- -	- -	75
LT Debt	2	2	36	178	181	75	- -
Total Debt/EBITDA	0.82	-1.48	-22.17	-1.49	-4.95	1.01	0.39
Net Debt/EBITDA	-1.84	0.04	-11.66	-1.29	-3.79	0.34	-0.03
Total Debt/EBIT	1.11	-1.04	-11.55	-1.41	-4.3	1.13	0.41
Net Debt/EBIT	-2.49	0.03	-6.07	-1.22	-3.29	0.38	-0.03
EBITDA to Interest Expense	3.63	-242.94	-1.31	-13.01	-3.11	9.36	27.04
EBITDA-CapEx/Interest Expense	0.6	-491.18	-3.85	-14.02	-3.84	8.41	26.08
EBIT to Interest Expense	2.09	-81.24	-18.42	-14.61	-3.58	4.33	26.5
Interest Expense	1	- -	3	9	12	8	7
Common Equity/Total Assets	-25.16	-29.22	26.32	33.15	29.61	61.17	72.37
Long-Term Debt/Equity (%)	3.95	3.6	92.86	166.92	207.89	41.07	0.04
Long-Term Debt/Capital (%)	3.78	3.21	32.01	62.48	67.45	29.08	0.03
Long-Term Debt/Total Assets (%)	3.26	2.35	24.44	55.33	61.56	25.12	0.03
Total Debt/Equity (%)	4.62	12.25	190.09	167.18	208.23	41.26	21.32
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt/Total Assets (%)	3.81	7.99	50.03	55.41	61.66	25.24	15.43
Net Debt to Equity	-10.33	-0.34	100	144.93	159.3	13.81	-1.57
Net Debt/Capital (%)	-11.1	-0.33	48.2	58.99	61.21	12.1	-1.59
EBITDA	3	-4	-3	-120	-37	75	190
EBITDA-CapEx	1	-8	-10	-129	-45	67	184
Operating Income (Loss)	2	-1	-47	-134	-42	35	187

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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

Cash Ratio	3.31	0.93	0.59	5.27	6.09	2.58	1.06
Current Ratio	6.5	2.87	1.46	8.47	10.81	8.05	3.83
Quick Ratio	6.34	2.53	1.3	8.13	10.5	7.59	3.67
CFO/Avg Current Liab	- -	-0.54	-0.01	-0.85	1.09	4.13	3.89
Common Equity/Total Assets	-25.16	-29.22	26.32	33.15	29.61	61.17	72.37
Long-Term Debt/Equity (%)	3.95	3.6	92.86	166.92	207.89	41.07	0.04
Long-Term Debt/Capital (%)	3.78	3.21	32.01	62.48	67.45	29.08	0.03
Long-Term Debt/Total Assets (%)	3.26	2.35	24.44	55.33	61.56	25.12	0.03
Total Debt/Equity (%)	4.62	12.25	190.09	167.18	208.23	41.26	21.32
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt/Total Assets (%)	3.81	7.99	50.03	55.41	61.66	25.24	15.43
CFO/Total Liabilities	-92.64	-34.43	-0.5	-20.88	16.31	107.67	215.32
CFO/CapEx	-4.23	-2.17	-0.08	-4.82	3.93	16.55	42.81
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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

Accounts Receivable Turnover	- -	3.59	3.49	2.67	2.39	2.4	2.34
Days Sales Outstanding	- -	101.57	104.67	136.49	152.87	151.81	155.82
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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

Market Capitalization	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	6	5	32	23	42	50	81
+ Preferred Equity and Hybrid Capital	72	72	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	6	74	178	181	76	75
Enterprise Value	- -	- -	- -	- -	- -	- -	- -
Total Capital	58	56	112	285	268	259	428
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -
TTM Sales	76	122	153	205	259	347	554
TTM EBITDA	3	-4	-3	-120	-37	75	190
TTM Operating Income	2	-1	-47	-134	-42	35	187
TTM Cash Flow to Firm	-10	- -	- -	- -	- -	133	- -
TTM Free Cash Flow to Firm	-13	- -	- -	- -	- -	125	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Profitability (USD)

Profitability Ratios API ChatGPT

	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

Return on Common Equity (%)	- -	- -	- -	-177.44	-50.11	42.84	73.11
Return on Assets (%)	- -	-9.7	-17.88	-55.01	-15.76	19.51	49.79
Return on Capital (%)	- -	- -	- -	- -	- -	24.87	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	26.37	- -
Gross Margin (%)	80.04	82.23	84.67	84.4	76.3	81.24	86.69
EBITDA Margin (%)	4.06	-3.39	-2.17	-58.4	-14.14	21.54	34.37
Operating Margin (%)	2.33	-1.13	-30.64	-65.61	-16.29	9.97	33.68
Incremental Operating Margin (%)	- -	- -	- -	- -	169.93	87.3	73.4
Pretax Margin (%)	1.75	-5.59	-13	-62.96	-18.68	17.39	30.32
Profit Margin (%)	1.03	-5.71	-13.07	-62.93	-18.73	16.67	35.34
Net Income to Common Margin (%)	- -	-5.71	-13.07	-62.93	-18.73	16.67	35.34
Effective Tax Rate (%)	40.92	- -	- -	- -	- -	4.11	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	-177.44	-50.11	42.84	73.11

Credit (USD)

Credit Ratios API ChatGPT

	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 Debt	3	6	74	178	181	76	75
ST Debt	- -	4	38	- -	- -	- -	75
LT Debt	2	2	36	178	181	75	- -
Total Debt/EBITDA	0.82	-1.48	-22.17	-1.49	-4.95	1.01	0.39
Net Debt/EBITDA	-1.84	0.04	-11.66	-1.29	-3.79	0.34	-0.03
Total Debt/EBIT	1.11	-1.04	-11.55	-1.41	-4.3	1.13	0.41
Net Debt/EBIT	-2.49	0.03	-6.07	-1.22	-3.29	0.38	-0.03
EBITDA to Interest Expense	3.63	-242.94	-1.31	-13.01	-3.11	9.36	27.04
EBITDA-CapEx/Interest Expense	0.6	-491.18	-3.85	-14.02	-3.84	8.41	26.08
EBIT to Interest Expense	2.09	-81.24	-18.42	-14.61	-3.58	4.33	26.5
Interest Expense	1	- -	3	9	12	8	7
Common Equity/Total Assets	-25.16	-29.22	26.32	33.15	29.61	61.17	72.37
Long-Term Debt/Equity (%)	3.95	3.6	92.86	166.92	207.89	41.07	0.04
Long-Term Debt/Capital (%)	3.78	3.21	32.01	62.48	67.45	29.08	0.03
Long-Term Debt/Total Assets (%)	3.26	2.35	24.44	55.33	61.56	25.12	0.03
Total Debt/Equity (%)	4.62	12.25	190.09	167.18	208.23	41.26	21.32
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt/Total Assets (%)	3.81	7.99	50.03	55.41	61.66	25.24	15.43
Net Debt to Equity	-10.33	-0.34	100	144.93	159.3	13.81	-1.57
Net Debt/Capital (%)	-11.1	-0.33	48.2	58.99	61.21	12.1	-1.59
EBITDA	3	-4	-3	-120	-37	75	190
EBITDA-CapEx	1	-8	-10	-129	-45	67	184
Operating Income (Loss)	2	-1	-47	-134	-42	35	187

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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

Cash Ratio	3.31	0.93	0.59	5.27	6.09	2.58	1.06
Current Ratio	6.5	2.87	1.46	8.47	10.81	8.05	3.83
Quick Ratio	6.34	2.53	1.3	8.13	10.5	7.59	3.67
CFO/Avg Current Liab	- -	-0.54	-0.01	-0.85	1.09	4.13	3.89
Common Equity/Total Assets	-25.16	-29.22	26.32	33.15	29.61	61.17	72.37
Long-Term Debt/Equity (%)	3.95	3.6	92.86	166.92	207.89	41.07	0.04
Long-Term Debt/Capital (%)	3.78	3.21	32.01	62.48	67.45	29.08	0.03
Long-Term Debt/Total Assets (%)	3.26	2.35	24.44	55.33	61.56	25.12	0.03
Total Debt/Equity (%)	4.62	12.25	190.09	167.18	208.23	41.26	21.32
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt/Total Assets (%)	3.81	7.99	50.03	55.41	61.66	25.24	15.43
CFO/Total Liabilities	-92.64	-34.43	-0.5	-20.88	16.31	107.67	215.32
CFO/CapEx	-4.23	-2.17	-0.08	-4.82	3.93	16.55	42.81
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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

Accounts Receivable Turnover	- -	3.59	3.49	2.67	2.39	2.4	2.34
Days Sales Outstanding	- -	101.57	104.67	136.49	152.87	151.81	155.82
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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

Market Capitalization	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	6	5	32	23	42	50	81
+ Preferred Equity and Hybrid Capital	72	72	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	6	74	178	181	76	75
Enterprise Value	- -	- -	- -	- -	- -	- -	- -
Total Capital	58	56	112	285	268	259	428
Total Debt/Capital (%)	4.41	10.91	65.53	62.57	67.56	29.21	17.57
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -
TTM Sales	76	122	153	205	259	347	554
TTM EBITDA	3	-4	-3	-120	-37	75	190
TTM Operating Income	2	-1	-47	-134	-42	35	187
TTM Cash Flow to Firm	-10	- -	- -	- -	- -	133	- -
TTM Free Cash Flow to Firm	-13	- -	- -	- -	- -	125	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Shares Outstanding	12	12	12	12	12	13	14
Diluted Weighted Avg Shares	12	12	12	12	12	14	14
Basic Weighted Avg Shares	12	12	12	12	12	13	13
Revenue per Share	6.56	10.48	13.16	17.36	21.71	27.69	41.46
EBITDA per Share	0.27	-0.36	-0.29	-10.14	-3.07	5.97	14.25
Operating Income per Share	0.15	-0.12	-4.03	-11.39	-3.54	2.76	13.96
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.94	-0.79	-0.05	-3.8	2.83	9.99	21.7
Free Cash Flow per Basic Share	-1.16	-1.15	-0.6	-4.59	2.11	9.38	21.19
Cash & Equivalents per Share	2.73	1.93	3.46	16.27	12.84	6.94	8.95
Book Value per Share	-1.45	-1.92	3.33	9.03	7.17	14.07	26.03
Tangible Book Value per Share	-1.63	-2.31	2.66	8.17	6.08	13.02	25.02

Dave Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)