DAVE
NASDAQ
US
Dave Inc. - Class A Common Stock
$172.70
▼ $-0.75
(-0.43%)
Vol 231K
11
Quality Score
ok
Deep Check
1/5
fail
Rev ✓
NI ✗
>IPO ✗
Mkt Cap
$3.0B
P/E
20.4
ROE
65.9%
Margin
29.9%
D/E
25.75
Beta
3.97
52W
$65–$286
Wall Street Consensus
16 analysts · Apr 20264
Strong Buy
11
Buy
1
Hold
0
Sell
0
Strong Sell
93.8%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 75.0%
Next Report
May 06, 2026
EPS Estimate: $3.00
| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Mar 2026 | $3.00 | — | — |
| Dec 2025 | $3.26 | $4.57 | +$1.31 |
| Sep 2025 | $1.86 | $4.45 | +$2.59 |
| Jun 2025 | $1.54 | $0.62 | $-0.92 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $100.8M | $108.0M | $131.8M | $150.7M | $163.7M |
| Net Income | $16.8M | $28.8M | $9.0M | $92.1M | $65.9M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 29.2% | 29.2% | 29.2% | 29.2% | 65.9% | 65.9% |
| P/E (TTM) | 64.96 | 46.10 | 48.33 | 58.60 | 18.65 | 20.38 |
| Net Margin | 6.9% | 12.7% | 12.7% | 12.7% | 29.9% | 29.9% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 34.55 | 34.55 | 34.55 | 34.55 | 25.75 | 25.75 |
| Current Ratio | 9.51 | 9.51 | 9.51 | 9.51 | 8.69 | 8.69 |
Key Ratios
ROA (TTM)
41.6%
P/S (TTM)
6.09
P/B
6.1
EPS (TTM)
$10.08
CF/Share
$-5.46
Rev Growth 3Y
+31.4%
52W High
$286.45
52W Low
$65.46
$65.46
52-Week Range
$286.45
Financial Health
Free Cash Flow
$91.5M
Net Debt
-$5.3M
Cash
$80.5M
Total Debt
$75.2M
As of Dec 31, 2025
How does DAVE compare to Financial Services peers?
Peer group: Small-cap Financial Services ($300M+) · 132 companies
DAVE valuation vs Financial Services peers
P/E ratio
20.4
▲
66%
above
peers
(12.3)
vs Peers
vs Industry
Pricier
P/S ratio
6.1
▲
87%
above
peers
(3.3)
vs Peers
vs Industry
Overvalued
P/B ratio
6.1
▲
274%
above
peers
(1.6)
vs Peers
vs Industry
Overvalued
Div yield
—
▼
0%
below
peers
(4.5%)
vs Peers
vs Industry
In line
DAVE profitability vs Financial Services peers
ROE
65.9%
▲
437%
above
peers
(12.3%)
vs Peers
vs Industry
Top tier
Net margin
29.9%
▲
58%
above
peers
(18.9%)
vs Peers
vs Industry
Below avg
Gross margin
—
▼
0%
below
peers
(65.1%)
vs Peers
vs Industry
Top tier
ROA
41.6%
▲
1348%
above
peers
(2.9%)
vs Peers
vs Industry
Top tier
DAVE financial health vs Financial Services peers
D/E ratio
25.8
▼
75%
below
peers
(103.6)
vs Peers
vs Industry
Low debt
Current ratio
8.7
▲
656%
above
peers
(1.2)
vs Peers
vs Industry
Strong liquidity
Beta
4.0
▲
318%
above
peers
(1.0)
vs Peers
vs Industry
More volatile
DAVE fundamentals radar
DAVE
Peer median
Industry
DAVE profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio