Symbols / DAVE Stock $278.64 -1.17% Dave Inc.

Technology • Software - Application • United States • NGM
DAVE (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
About

Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.

Stock Fundamentals
Scroll to Statements
Market Cap 3.69B Enterprise Value 3.78B Income 195.86M Sales 554.18M Book/sh 26.03 Cash/sh 8.95
Dividend Yield — Payout 0.00% Employees 280 IPO — P/E 20.59 Forward P/E 15.93
PEG — P/S 6.67 P/B 10.70 P/C — EV/EBITDA 19.69 EV/Sales 6.82
Quick Ratio 1.06 Current Ratio 3.83 Debt/Eq 21.32 LT Debt/Eq — EPS (ttm) 13.53 EPS next Y 17.49
EPS Growth 292.40% Revenue Growth 62.40% Earnings 2026-05-05 ROA 30.37% ROE 73.11% ROIC —
Gross Margin 70.22% Oper. Margin 39.39% Profit Margin 35.34% Shs Outstand 11.50M Shs Float 10.89M Short Float 11.33%
Short Ratio 1.87 Short Interest — 52W High 287.69 52W Low 85.58 Beta 3.82 Avg Volume 604.64K
Volume 95.28K Target Price $321.12 Recom Strong_buy Prev Close $281.94 Price $278.64 Change -1.17%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$321.13
Mean price target
2. Current target
$278.64
Latest analyst target
3. DCF / Fair value
$39.95
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$278.64
Low
$290.00
High
$347.00
Mean
$321.13

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-10 main Citizens Market Outperform → Market Outperform $335
2026-03-10 main Barrington Research Outperform → Outperform $290
2026-03-04 main Barrington Research Outperform → Outperform $290
2026-03-03 main Lake Street Buy → Buy $326
2026-03-03 main B. Riley Securities Buy → Buy $303
2026-03-03 main Canaccord Genuity Buy → Buy $328
2026-03-03 main Keefe, Bruyette & Woods Outperform → Outperform $295
2026-03-02 main Barrington Research Outperform → Outperform $290
2025-11-05 reit B. Riley Securities Buy → Buy $297
2025-11-05 main Barrington Research Outperform → Outperform $290
2025-11-05 main Benchmark Buy → Buy $345
2025-11-05 main Citizens Market Outperform → Market Outperform $310
2025-11-05 main Canaccord Genuity Buy → Buy $274
2025-11-04 main Barrington Research Outperform → Outperform $290
2025-11-03 main Barrington Research Outperform → Outperform $290
2025-10-01 reit Benchmark Buy → Buy $320
2025-09-26 main JMP Securities Market Outperform → Market Outperform $300
2025-08-18 main Barrington Research Outperform → Outperform $290
2025-08-08 main Canaccord Genuity Buy → Buy $229
2025-08-07 main JMP Securities Market Outperform → Market Outperform $280
News
RSS: Latest DAVE news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-09 BEILMAN KYLE Chief Operating Officer — 47,982 $0.00 $0
2026-03-09 WILK JASON Chief Executive Officer — 104,641 $0.00 $0
2026-03-06 MITCHELL ANDREA SANDLER Director — 30,000 $204.86 $6,390,901
2026-02-02 POPE MICHAEL W Director — 544 $162.00 $88,128
2026-01-27 BEILMAN KYLE Chief Operating Officer — 5,000 $1.42 $7,100
2025-12-18 KHAN IMRAN Director — 36,378 $195.42 $7,255,860
2025-12-18 KHAN IMRAN Director — 1,146 $202.29 $233,778
2025-12-16 KHAN IMRAN Director — 41,412 $189.32 $7,995,333
2025-12-16 KHAN IMRAN Director — 18,835 $189.54 $3,709,407
2025-12-02 BEILMAN KYLE Chief Operating Officer — 3,495 $203.77 $712,176
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
554.18
+59.67%
347.08
+33.96%
259.09
+26.49%
204.84
Operating Revenue
554.18
+59.67%
347.08
+33.96%
259.09
+26.49%
204.84
Cost Of Revenue
73.78
+13.34%
65.10
+6.03%
61.39
+92.18%
31.95
Reconciled Cost Of Revenue
73.78
+13.34%
65.10
+6.03%
61.39
+92.18%
31.95
Gross Profit
480.40
+70.37%
281.98
+42.63%
197.70
+14.35%
172.89
Operating Expense
293.78
+18.76%
247.37
+3.11%
239.90
-21.93%
307.29
Selling General And Administration
169.34
+6.37%
159.21
+6.16%
149.97
-13.05%
172.47
Selling And Marketing Expense
65.99
+23.47%
53.45
-5.68%
56.66
-17.93%
69.04
General And Administrative Expense
103.35
-2.27%
105.76
+13.35%
93.30
-9.79%
103.43
Salaries And Wages
103.35
-2.27%
105.76
+13.35%
93.30
-9.79%
103.43
Other Gand A
—
—
—
—
Other Operating Expenses
33.40
-0.41%
33.53
+6.30%
31.55
-53.98%
68.55
Total Expenses
367.56
+17.63%
312.46
+3.71%
301.29
-11.18%
339.23
Operating Income
186.62
+439.20%
34.61
+182.02%
-42.20
+68.60%
-134.40
Total Operating Income As Reported
—
—
—
—
EBITDA
182.20
+139.66%
76.02
+344.62%
-31.08
+72.41%
-112.64
Normalized EBITDA
195.35
+331.46%
45.28
+244.37%
-31.36
+75.67%
-128.90
Reconciled Depreciation
7.13
-7.16%
7.68
+38.55%
5.54
-22.28%
7.13
EBIT
175.07
+156.16%
68.34
+286.61%
-36.62
+69.42%
-119.78
Total Unusual Items
-13.15
-142.76%
30.75
+10803.55%
0.28
-98.27%
16.26
Total Unusual Items Excluding Goodwill
-13.15
-142.76%
30.75
+10803.55%
0.28
-98.27%
16.26
Special Income Charges
-3.29
-110.11%
32.48
+147522.73%
0.02
-99.71%
7.64
Other Special Charges
—
-33.44
—
1.99
Restructuring And Mergern Acquisition
3.29
+240.41%
0.96
+4486.36%
-0.02
+99.77%
-9.63
Net Income
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Pretax Income
168.03
+178.40%
60.35
+224.71%
-48.40
+62.48%
-128.97
Net Non Operating Interest Income Expense
-5.45
-8.83%
-5.00
+22.75%
-6.48
+40.20%
-10.84
Interest Expense Non Operating
7.04
-11.84%
7.99
-32.15%
11.77
+28.02%
9.20
Net Interest Income
-5.45
-8.83%
-5.00
+22.75%
-6.48
+40.20%
-10.84
Interest Expense
7.04
-11.84%
7.99
-32.15%
11.77
+28.02%
9.20
Interest Income Non Operating
1.60
-46.51%
2.98
-43.64%
5.29
+79.31%
2.95
Interest Income
1.60
-46.51%
2.98
-43.64%
5.29
+79.31%
2.95
Other Income Expense
-13.15
-142.76%
30.75
+10803.55%
0.28
-98.27%
16.26
Gain On Sale Of Security
-9.86
-470.50%
-1.73
-765.00%
0.26
-96.98%
8.62
Tax Provision
-27.84
-1222.05%
2.48
+1967.50%
0.12
+279.10%
-0.07
Tax Rate For Calcs
0.00
+412.20%
0.00
-80.48%
0.00
+20900.00%
0.00
Tax Effect Of Unusual Items
-2.76
-319.03%
1.26
+2028.79%
0.06
+264.27%
0.02
Net Income Including Noncontrolling Interests
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Net Income From Continuing Operation Net Minority Interest
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Net Income From Continuing And Discontinued Operation
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Net Income Continuous Operations
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Normalized Income
206.25
+626.61%
28.39
+158.24%
-48.74
+66.42%
-145.15
Net Income Common Stockholders
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Otherunder Preferred Stock Dividend
—
—
0.00
0.00
Diluted EPS
—
4.19
+202.95%
-4.07
+62.75%
-10.92
Basic EPS
—
4.62
+213.51%
-4.07
+62.75%
-10.92
Basic Average Shares
—
12.53
+5.01%
11.93
+1.15%
11.80
Diluted Average Shares
—
13.82
+15.79%
11.93
+1.15%
11.80
Diluted NI Availto Com Stockholders
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Average Dilution Earnings
—
—
—
0.00
Provision For Doubtful Accounts
91.04
+66.66%
54.63
-6.44%
58.39
-11.89%
66.27
Total Other Finance Cost
—
—
—
4.59
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
487.42
+62.84%
299.33
+1.80%
294.02
-8.54%
321.49
Current Assets
436.70
+54.71%
282.27
+1.95%
276.89
-10.27%
308.57
Cash Cash Equivalents And Short Term Investments
121.31
+34.36%
90.29
-42.10%
155.94
-18.77%
191.96
Cash And Cash Equivalents
80.52
+61.96%
49.72
+19.06%
41.76
+82.44%
22.89
Cash Financial
—
—
—
—
Other Short Term Investments
40.79
+0.54%
40.57
-64.47%
114.18
-32.47%
169.07
Receivables
297.31
+69.06%
175.86
+55.84%
112.85
+8.32%
104.18
Accounts Receivable
297.31
+69.06%
175.86
+55.84%
112.85
+8.32%
104.18
Gross Accounts Receivable
334.95
+68.69%
198.56
+49.12%
133.16
+3.48%
128.68
Allowance For Doubtful Accounts Receivable
-37.64
-65.80%
-22.70
-11.78%
-20.31
+17.11%
-24.50
Prepaid Assets
—
0.00
-100.00%
0.15
-82.19%
0.83
Current Deferred Assets
—
—
—
0.00
Other Current Assets
18.08
+12.10%
16.13
+102.73%
7.96
-31.37%
11.59
Total Non Current Assets
50.72
+197.40%
17.05
-0.48%
17.14
+32.60%
12.92
Net PPE
0.67
-44.76%
1.21
-35.96%
1.89
+7.38%
1.76
Gross PPE
2.85
-1.21%
2.88
-9.29%
3.18
+27.74%
2.49
Accumulated Depreciation
-2.18
-30.34%
-1.67
-29.94%
-1.29
-77.13%
-0.73
Properties
0.00
0.00
0.00
0.00
Buildings And Improvements
—
0.51
-34.41%
0.77
+5.17%
0.73
Machinery Furniture Equipment
1.46
+23.02%
1.19
-3.26%
1.23
+17.32%
1.04
Other Properties
0.20
-61.54%
0.51
-34.41%
0.77
+5.17%
0.73
Leases
1.19
+0.34%
1.19
+0.93%
1.18
+66.62%
0.71
Goodwill And Other Intangible Assets
13.67
+0.21%
13.64
+3.30%
13.21
+29.94%
10.16
Other Intangible Assets
13.67
+0.21%
13.64
+3.30%
13.21
+29.94%
10.16
Non Current Deferred Assets
34.19
+20872.39%
0.16
-48.74%
0.32
+324.00%
0.07
Non Current Deferred Taxes Assets
34.19
0.00
—
—
Other Non Current Assets
2.20
+7.80%
2.04
+18.41%
1.72
+86.16%
0.93
Total Liabilities Net Minority Interest
134.69
+15.89%
116.23
-43.84%
206.96
-3.71%
214.93
Current Liabilities
114.00
+225.14%
35.06
+36.94%
25.60
-29.69%
36.42
Payables And Accrued Expenses
25.38
-0.15%
25.41
+42.48%
17.84
-41.13%
30.30
Payables
11.32
+22.23%
9.26
+33.74%
6.93
-45.78%
12.78
Accounts Payable
8.36
+23.51%
6.77
+23.37%
5.49
-51.96%
11.42
Current Accrued Expenses
14.05
-12.98%
16.15
+48.03%
10.91
-37.75%
17.52
Pensionand Other Post Retirement Benefit Plans Current
5.52
+6.81%
5.17
+43.30%
3.60
+135.01%
1.53
Total Tax Payable
2.96
+18.74%
2.50
+73.16%
1.44
+6.26%
1.36
Income Tax Payable
1.65
+11.86%
1.48
0.00
—
Current Debt And Capital Lease Obligation
75.06
+21346.57%
0.35
+17.45%
0.30
+9.16%
0.27
Current Debt
75.00
—
—
—
Other Current Borrowings
75.00
—
—
—
Current Capital Lease Obligation
0.06
-82.00%
0.35
+17.45%
0.30
+9.16%
0.27
Current Deferred Liabilities
3.76
+5.48%
3.56
+13.05%
3.15
+0.00%
3.15
Current Deferred Revenue
0.61
+47.45%
0.41
—
—
Other Current Liabilities
4.28
+650.26%
0.57
-20.14%
0.71
-38.42%
1.16
Total Non Current Liabilities Net Minority Interest
20.69
-74.50%
81.17
-55.25%
181.36
+1.59%
178.51
Long Term Debt And Capital Lease Obligation
0.14
-99.81%
75.20
-58.45%
180.99
+1.75%
177.88
Long Term Debt
—
75.00
-58.44%
180.45
+1.76%
177.32
Long Term Capital Lease Obligation
0.14
-30.88%
0.20
-62.43%
0.54
-1.27%
0.55
Tradeand Other Payables Non Current
—
—
—
—
Other Non Current Liabilities
4.48
+47.58%
3.03
+2251.16%
0.13
+4.03%
0.12
Stockholders Equity
352.73
+92.64%
183.10
+110.31%
87.06
-18.30%
106.56
Common Stock Equity
352.73
+92.64%
183.10
+110.31%
87.06
-18.30%
106.56
Capital Stock
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Common Stock
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
13.87
+6.19%
13.07
+7.11%
12.20
+2.95%
11.85
Ordinary Shares Number
13.55
+4.11%
13.02
+7.14%
12.15
+2.96%
11.80
Treasury Shares Number
0.32
+553.82%
0.05
+0.00%
0.05
+0.00%
0.05
Additional Paid In Capital
352.66
+5.17%
335.33
+13.01%
296.73
+9.89%
270.04
Retained Earnings
43.42
+128.48%
-152.45
+27.52%
-210.32
-29.99%
-161.80
Gains Losses Not Affecting Retained Earnings
0.37
+69.23%
0.22
-65.95%
0.65
+138.75%
-1.68
Treasury Stock
43.73
0.00
—
0.00
Other Equity Adjustments
0.37
+69.23%
0.22
-65.95%
0.65
+138.75%
-1.68
Total Equity Gross Minority Interest
352.73
+92.64%
183.10
+110.31%
87.06
-18.30%
106.56
Total Capitalization
352.73
+36.66%
258.10
-3.52%
267.51
-5.77%
283.88
Working Capital
322.70
+30.54%
247.21
-1.62%
251.28
-7.67%
272.15
Invested Capital
427.73
+65.72%
258.10
-3.52%
267.51
-5.77%
283.88
Total Debt
75.20
-0.46%
75.55
-58.32%
181.29
+1.76%
178.15
Net Debt
—
25.28
-81.77%
138.69
-10.19%
154.44
Capital Lease Obligations
0.20
-63.18%
0.55
-34.13%
0.84
+2.19%
0.82
Net Tangible Assets
339.06
+100.08%
169.46
+129.44%
73.86
-23.38%
96.40
Tangible Book Value
339.06
+100.08%
169.46
+129.44%
73.86
-23.38%
96.40
Current Notes Payable
—
—
—
0.00
Derivative Product Liabilities
16.08
+449.08%
2.93
+1156.65%
0.23
-54.84%
0.52
Financial Assets
—
—
—
0.00
Interest Payable
—
—
—
0.00
Line Of Credit
—
—
—
0.00
Other Equity Interest
—
—
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
290.02
+131.76%
125.14
+270.73%
33.75
+175.20%
-44.88
Cash Flow From Continuing Operating Activities
290.02
+131.76%
125.14
+270.73%
33.75
+175.20%
-44.88
Net Income From Continuing Operations
195.87
+238.44%
57.87
+219.28%
-48.52
+62.36%
-128.91
Depreciation Amortization Depletion
7.13
-7.16%
7.68
+38.55%
5.54
-22.28%
7.13
Depreciation And Amortization
7.13
-7.16%
7.68
+38.55%
5.54
-22.28%
7.13
Other Non Cash Items
3.25
+171.72%
1.20
-61.10%
3.07
+141.37%
-7.42
Stock Based Compensation
29.90
-19.91%
37.33
+39.94%
26.67
-34.36%
40.64
Provisionand Write Offof Assets
91.04
+66.66%
54.63
-6.44%
58.39
-11.89%
66.27
Deferred Tax
-34.19
0.00
0.00
—
Deferred Income Tax
-34.19
0.00
0.00
—
Operating Gains Losses
9.86
+131.10%
-31.71
-12097.31%
-0.26
+97.99%
-12.91
Gain Loss On Investment Securities
9.86
+470.50%
1.73
+765.00%
-0.26
+96.98%
-8.62
Unrealized Gain Loss On Investment Securities
0.08
+575.00%
-0.02
-136.36%
0.04
+107.61%
-0.58
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
-12.91
-603.21%
-1.84
+83.59%
-11.19
-22.93%
-9.10
Change In Receivables
-16.66
-170.41%
-6.16
-50.91%
-4.08
-1336.97%
0.33
Changes In Account Receivables
—
—
—
0.33
Change In Prepaid Assets
-1.94
+75.74%
-8.01
-300.53%
3.99
+130.50%
-13.10
Change In Payables And Accrued Expense
0.32
-96.55%
9.14
+187.93%
-10.39
-336.50%
4.39
Change In Accrued Expense
-1.28
-116.24%
7.86
+276.21%
-4.46
-209.69%
4.07
Change In Payable
1.59
+24.10%
1.28
+121.60%
-5.93
-1898.48%
0.33
Change In Account Payable
1.59
+24.10%
1.28
+121.60%
-5.93
-1898.48%
0.33
Change In Other Current Assets
0.02
+0.00%
0.02
+108.65%
-0.27
-94.16%
-0.14
Change In Other Current Liabilities
5.35
+68.75%
3.17
+819.05%
-0.44
-67.68%
-0.26
Investing Cash Flow
-202.75
-342.27%
-45.84
-218.91%
-14.38
+94.97%
-285.58
Cash Flow From Continuing Investing Activities
-202.75
-342.27%
-45.84
-218.91%
-14.38
+94.97%
-285.58
Net PPE Purchase And Sale
-0.32
-20.99%
-0.26
+61.92%
-0.69
+5.49%
-0.73
Purchase Of PPE
-0.32
-20.99%
-0.26
+61.92%
-0.69
+5.49%
-0.73
Capital Expenditure
-6.77
+10.42%
-7.56
+11.90%
-8.58
+7.83%
-9.31
Net Investment Purchase And Sale
-0.14
-100.19%
73.20
+28.02%
57.17
+135.31%
-161.94
Purchase Of Investment
-190.01
-11.39%
-170.59
-10.47%
-154.41
+70.29%
-519.77
Sale Of Investment
189.87
-22.11%
243.78
+15.21%
211.59
-40.87%
357.82
Net Intangibles Purchase And Sale
-6.46
+11.55%
-7.30
+7.54%
-7.89
+8.03%
-8.58
Purchase Of Intangibles
-6.46
+11.55%
-7.30
+7.54%
-7.89
+8.03%
-8.58
Net Other Investing Changes
-195.83
-75.67%
-111.48
-77.04%
-62.97
+44.92%
-114.32
Financing Cash Flow
-56.29
+20.72%
-71.00
-322804.55%
0.02
-99.99%
321.77
Cash Flow From Continuing Financing Activities
-56.29
+20.72%
-71.00
-322804.55%
0.02
-99.99%
321.77
Net Issuance Payments Of Debt
0.00
+100.00%
-71.00
0.00
-100.00%
120.00
Issuance Of Debt
—
—
0.00
-100.00%
140.00
Repayment Of Debt
0.00
+100.00%
-71.00
0.00
+100.00%
-20.00
Long Term Debt Issuance
—
—
0.00
-100.00%
140.00
Long Term Debt Payments
0.00
+100.00%
-71.00
0.00
—
Net Long Term Debt Issuance
0.00
+100.00%
-71.00
0.00
-100.00%
140.00
Short Term Debt Payments
—
—
0.00
+100.00%
-20.00
Net Short Term Debt Issuance
—
—
0.00
+100.00%
-20.00
Net Common Stock Issuance
-43.73
0.00
+100.00%
-0.01
-100.01%
194.46
Common Stock Payments
-43.73
0.00
+100.00%
-0.01
+97.76%
-0.54
Repurchase Of Capital Stock
-43.73
0.00
+100.00%
-0.01
+97.76%
-0.54
Proceeds From Stock Option Exercised
0.76
-39.89%
1.27
+3623.53%
0.03
-94.52%
0.62
Net Other Financing Charges
-13.32
-956.23%
-1.26
—
6.68
Changes In Cash
30.99
+273.38%
8.30
-57.22%
19.40
+323.13%
-8.70
Beginning Cash Position
51.38
+19.27%
43.08
+81.94%
23.68
-26.86%
32.37
End Cash Position
82.36
+60.31%
51.38
+19.27%
43.08
+81.94%
23.68
Free Cash Flow
283.25
+140.91%
117.58
+367.11%
25.17
+146.45%
-54.20
Interest Paid Supplemental Data
6.93
-9.40%
7.65
-11.33%
8.63
+52.02%
5.68
Income Tax Paid Supplemental Data
5.58
—
—
—
Change In Interest Payable
—
—
—
0.00
Common Stock Issuance
—
—
0.00
-100.00%
195.00
Issuance Of Capital Stock
—
—
0.00
-100.00%
195.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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