Dave Inc.

DAVE | NASDAQ

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$350.65

+$12.83 (+3.80%)

At close: Sep 21, 2026, 4:00 PM ET

$349.87

-$0.78 (-0.22%)

Pre-market: Sep 22, 2026, 5:16 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $4.54B

Enterprise Value $4.73B

Beta 3.84

Average Volume 531.28K

Shares Outstanding (Diluted) 13.68M

Shares Change YoY -6.01%

Institutional Ownership 79.42%

Exchange NASDAQ

ISIN US23834J2015

Price Performance

Price Change 1M 0.6%

Price Change 3M 10.3%

Price Change 6M 93.7%

Price Change YTD 59.8%

Price Change 1Y 44.6%

Price Change 3Y 5430.8%

Price Change 5Y 10.0%

1M CAGR (ann.) -7.5%

1Y CAGR (ann.) 54.5%

5Y CAGR (ann.) 1.1%

All-Time CAGR 1.4%

Valuation

PE Ratio 22.74

Forward PE 15.65

PEG Ratio 0.07

Forward PEG 0.42

PS Ratio 7.32

Forward PS 5.30

PB Ratio 22.67

P/FCF Ratio 11.54

P/Adj. FCF Ratio 12.95

P/OCF Ratio 13.64

EV/Sales 7.35

EV/EBIT 16.47

EV/EBITDA 16.04

EV/FCF 11.58

Earnings Yield 4.4%

FCF Yield 8.7%

Adj. FCF Yield 7.7%

Financial Health

Net Debt $15.54M

Total Debt $268.47M

Cash & Short-Term Investments $252.59M

Total Assets $570.78M

Current Ratio 4.22

Quick Ratio 4.22

Debt / Equity Ratio 1.29

Debt / EBITDA 0.91

Debt / FCF 0.66

OCF / Debt 1.52

Interest Coverage 30.62

Altman Z-Score 11.39

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 83.3%

Operating Profit Margin 34.5%

EBITDA Margin 45.8%

Net Profit Margin 34.6%

FCF Margin 63.5%

Adj. FCF Margin 56.5%

SBC / Revenue 5.8%

SBC Impact (per share) -10.9%

Returns

Return on Assets 39.0%

Return on Equity 84.4%

Return on Invested Capital 42.5%

Return on Capital Employed 49.6%

Return on Tangible Assets 40.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 39.6%

Revenue CAGR 5Y 35.8%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 93.9%

EPS CAGR 5Y 104.6%

EPS CAGR 10Y N/A

FCF CAGR 3Y 76.5%

FCF CAGR 5Y 90.5%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 13

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $75.29

Graham Upside -78.5%

Lynch Fair Value $385.50

Lynch Upside 9.9%

Price Target $436.75

Price Target Upside 24.6%

Cash Flow

Operating Cash Flow $408.97M

Free Cash Flow $408.55M

Adj. Free Cash Flow $363.9M

FCF Per Share $25.67

OCF Per Share $25.70

OCF/S Ratio 50.8%

Income Statement

Revenue $643.65M

Gross Profit $536.13M

Operating Income $222.2M

EBITDA $294.82M

Net Income $222.64M

EPS (Diluted) $15.42

Revenue / Employee $2.3M

Profit / Employee $795.13K

Employees 280