Symbols / DAVE
DAVE Chart
About
Dave Inc. provides various financial products and services through its financial services platform in the United States. The company offers Budget, personal financial management tool that helps members with budgeting, and managing income and expenses; ExtraCash, a short-term liquidity alternative, which allows members to advance funds to their account through automated clearing house network and avoid a fee; Side Hustle, a job application portal to find supplemental or temporary work; and Surveys, which allows member to take paid surveys within the Dave mobile application. It also provides Dave Banking, a digital checking and demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.
Fundamentals
Scroll to Statements| Sector | Technology | Industry | Software - Application | Market Cap | 2.33B |
| Enterprise Value | 2.31B | Income | 146.73M | Sales | 491.30M |
| Book/sh | 21.57 | Cash/sh | 6.79 | Dividend Yield | — |
| Payout | 0.00% | Employees | 274 | IPO | — |
| P/E | 17.00 | Forward P/E | 12.41 | PEG | — |
| P/S | 4.74 | P/B | 7.99 | P/C | — |
| EV/EBITDA | 16.10 | EV/Sales | 4.71 | Quick Ratio | 2.07 |
| Current Ratio | 8.70 | Debt/Eq | 25.85 | LT Debt/Eq | — |
| EPS (ttm) | 10.14 | EPS next Y | 13.89 | EPS Growth | 210.33% |
| Revenue Growth | 63.00% | Earnings | 2026-03-02 | ROA | 25.36% |
| ROE | 65.63% | ROIC | — | Gross Margin | 71.57% |
| Oper. Margin | 30.45% | Profit Margin | 29.87% | Shs Outstand | 12.19M |
| Shs Float | 9.92M | Short Float | 10.18% | Short Ratio | 2.29 |
| Short Interest | — | 52W High | 286.45 | 52W Low | 65.46 |
| Beta | 3.90 | Avg Volume | 459.82K | Volume | 476.20K |
| Target Price | $300.11 | Recom | None | Prev Close | $169.31 |
| Price | $172.41 | Change | 1.83% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$300.11
Mean price target
2. Current target
$172.41
Latest analyst target
3. DCF / Fair value
$16.38
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$172.41
Low
$250.00
High
$347.00
Mean
$300.11
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 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 |
| 2025-08-04 | main | Barrington Research | Outperform → Outperform | $290 |
| 2025-07-29 | main | B. Riley Securities | Buy → Buy | $277 |
| 2025-07-14 | main | JMP Securities | Market Outperform → Market Outperform | $260 |
| 2025-07-14 | reit | Benchmark | Buy → Buy | $320 |
| 2025-06-30 | main | Benchmark | Buy → Buy | $320 |
| 2025-06-12 | main | Barrington Research | Outperform → Outperform | $250 |
| 2025-05-27 | main | B. Riley Securities | Buy → Buy | $239 |
| 2025-05-20 | main | Benchmark | Buy → Buy | $229 |
- 3 More Stocks to Invest In Before They’re No Longer Bargains - Morningstar Canada Mon, 23 Feb 2026 23
- APP, DAVE Beat Shopify Stock on Price & Growth - Trefis Sat, 21 Feb 2026 08
- DAVE Stock Soars 79% in a Year: Should Investors Buy It Now? - Yahoo Finance ue, 10 Feb 2026 08
- Why Dave Stock Jumped Today - The Motley Fool Fri, 06 Feb 2026 08
- Dave 2025 revenue up 60%, adjusted EBITDA climbs 162% in preliminary results - Stock Titan hu, 05 Feb 2026 08
- Dave (DAVE) Expected to Announce Quarterly Earnings on Monday - MarketBeat Mon, 23 Feb 2026 09
- $DAVE stock is down 12% today. Here's what we see in our data. - Quiver Quantitative Wed, 14 Jan 2026 08
- Dave Adds Meta AI Leader To Board As Volatile Stock Story Evolves - simplywall.st Wed, 21 Jan 2026 08
- 5 Oversold Stocks to Buy Before They Rebound - Morningstar Mon, 23 Feb 2026 22
- Dave Stock Soars 127% in YTD: Is This the Right Time to Invest? - Yahoo Finance hu, 11 Dec 2025 08
- $DAVE stock is up 12% today. Here's what we see in our data. - Quiver Quantitative Fri, 06 Feb 2026 08
- Dave (DAVE) Stock Is Up, What You Need To Know - Yahoo Finance ue, 04 Nov 2025 08
- Why Dave (DAVE) Stock Is Trading Up Today - Yahoo Finance hu, 02 Oct 2025 07
- Why Is Dave (DAVE) Stock Rocketing Higher Today - Yahoo Finance Fri, 19 Sep 2025 07
- Why Dave (DAVE) Stock Is Up Today - Yahoo Finance Mon, 10 Nov 2025 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 544 | 88128.0 | — | Sale at price 162.00 per share. | POPE MICHAEL W | Director | — | 2026-02-02 00:00:00 | D |
| 1 | 5000 | 7100.0 | — | Conversion of Exercise of derivative security at price 1.42 per share. | BEILMAN KYLE | Chief Operating Officer | — | 2026-01-27 00:00:00 | D |
| 2 | 36378 | 7255860.0 | — | Sale at price 195.42 - 206.71 per share. | KHAN IMRAN | Director | — | 2025-12-18 00:00:00 | I |
| 3 | 1146 | 233778.0 | — | Sale at price 202.29 - 205.93 per share. | KHAN IMRAN | Director | — | 2025-12-18 00:00:00 | I |
| 4 | 41412 | 7995333.0 | — | Sale at price 189.32 - 200.03 per share. | KHAN IMRAN | Director | — | 2025-12-16 00:00:00 | I |
| 5 | 18835 | 3709407.0 | — | Sale at price 189.54 - 199.06 per share. | KHAN IMRAN | Director | — | 2025-12-16 00:00:00 | I |
| 6 | 3495 | 712176.0 | — | Sale at price 203.77 per share. | BEILMAN KYLE | Chief Operating Officer | — | 2025-12-02 00:00:00 | D |
| 7 | 7393 | 1506472.0 | — | Sale at price 203.77 per share. | WILK JASON | Chief Executive Officer | — | 2025-12-02 00:00:00 | D |
| 8 | 81693 | nan | — | — | WILK JASON | Chief Executive Officer | — | 2025-09-19 00:00:00 | D |
| 9 | 59541 | 13698378.0 | — | Sale at price 230.06 - 231.00 per share. | BEILMAN KYLE | Chief Operating Officer | — | 2025-09-19 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 1.23M | 59.22K | 16.26K | 7.97M |
| TaxRateForCalcs | 0.04 | 0.21 | 0.00 | 0.27 |
| NormalizedEBITDA | 45.28M | -31.36M | -128.90M | -43.80M |
| TotalUnusualItems | 30.75M | 282.00K | 16.26M | 29.50M |
| TotalUnusualItemsExcludingGoodwill | 30.75M | 282.00K | 16.26M | 29.50M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 57.87M | -48.52M | -128.91M | -19.99M |
| ReconciledDepreciation | 7.68M | 5.54M | 7.13M | 3.06M |
| ReconciledCostOfRevenue | 30.38M | 28.93M | 31.95M | 23.46M |
| EBITDA | 76.02M | -31.08M | -112.64M | -14.30M |
| EBIT | 68.34M | -36.62M | -119.78M | -17.35M |
| NetInterestIncome | -5.00M | -6.48M | -10.84M | -2.52M |
| InterestExpense | 7.99M | 11.77M | 9.20M | 2.54M |
| InterestIncome | 2.98M | 5.29M | 2.95M | 287.00K |
| NormalizedIncome | 28.35M | -48.74M | -145.15M | -41.53M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 57.87M | -48.52M | -128.91M | -19.99M |
| TotalExpenses | 312.46M | 301.29M | 339.23M | 199.89M |
| TotalOperatingIncomeAsReported | -6.38M | |||
| DilutedAverageShares | 13.82M | 11.93M | 11.80M | 11.63M |
| BasicAverageShares | 12.53M | 11.93M | 11.80M | 11.63M |
| DilutedEPS | 4.19 | -4.07 | -10.92 | -1.72 |
| BasicEPS | 4.62 | -4.07 | -10.92 | -1.72 |
| DilutedNIAvailtoComStockholders | 57.87M | -48.52M | -128.91M | -19.99M |
| AverageDilutionEarnings | 0.00 | 0.00 | ||
| NetIncomeCommonStockholders | 57.87M | -48.52M | -128.91M | -19.99M |
| OtherunderPreferredStockDividend | 0.00 | 0.00 | 0.00 | |
| NetIncome | 57.87M | -48.52M | -128.91M | -19.99M |
| NetIncomeIncludingNoncontrollingInterests | 57.87M | -48.52M | -128.91M | -19.99M |
| NetIncomeContinuousOperations | 57.87M | -48.52M | -128.91M | -19.99M |
| TaxProvision | 2.48M | 120.00K | -67.00K | 97.00K |
| PretaxIncome | 60.35M | -48.40M | -128.97M | -19.90M |
| OtherIncomeExpense | 30.75M | 282.00K | 16.26M | 29.50M |
| SpecialIncomeCharges | 32.48M | 22.00K | 7.64M | -1.67M |
| OtherSpecialCharges | -33.44M | 1.99M | 1.67M | |
| RestructuringAndMergernAcquisition | 965.00K | -22.00K | -9.63M | 0.00 |
| GainOnSaleOfSecurity | -1.73M | 260.00K | 8.62M | 31.17M |
| NetNonOperatingInterestIncomeExpense | -5.00M | -6.48M | -10.84M | -2.52M |
| TotalOtherFinanceCost | 4.59M | 264.00K | ||
| InterestExpenseNonOperating | 7.99M | 11.77M | 9.20M | 2.54M |
| InterestIncomeNonOperating | 2.98M | 5.29M | 2.95M | 287.00K |
| OperatingIncome | 34.61M | -42.20M | -134.40M | -46.88M |
| OperatingExpense | 282.09M | 272.37M | 307.29M | 176.43M |
| OtherOperatingExpenses | 75.53M | 70.68M | 68.55M | 43.26M |
| ProvisionForDoubtfulAccounts | 54.63M | 58.39M | 66.27M | 32.17M |
| SellingGeneralAndAdministration | 151.93M | 143.30M | 172.47M | 101.00M |
| SellingAndMarketingExpense | 44.90M | 48.39M | 69.04M | 51.45M |
| GeneralAndAdministrativeExpense | 107.03M | 94.91M | 103.43M | 49.54M |
| OtherGandA | 6.38M | |||
| SalariesAndWages | 107.03M | 94.91M | 103.43M | 49.54M |
| GrossProfit | 316.70M | 230.17M | 172.89M | 129.55M |
| CostOfRevenue | 30.38M | 28.93M | 31.95M | 23.46M |
| TotalRevenue | 347.08M | 259.09M | 204.84M | 153.01M |
| OperatingRevenue | 347.08M | 259.09M | 204.84M | 153.01M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| TreasurySharesNumber | 49.56K | 49.56K | 49.56K | |
| OrdinarySharesNumber | 13.02M | 12.15M | 11.80M | 11.63M |
| ShareIssued | 13.07M | 12.20M | 11.85M | 11.63M |
| NetDebt | 25.28M | 138.69M | 154.44M | 38.74M |
| TotalDebt | 75.55M | 181.29M | 178.15M | 73.64M |
| TangibleBookValue | 169.46M | 73.86M | 96.40M | 30.89M |
| InvestedCapital | 258.10M | 267.51M | 283.88M | 109.48M |
| WorkingCapital | 247.21M | 251.28M | 272.15M | 31.57M |
| NetTangibleAssets | 169.46M | 73.86M | 96.40M | 30.89M |
| CapitalLeaseObligations | 554.00K | 841.00K | 823.00K | 2.89M |
| CommonStockEquity | 183.10M | 87.06M | 106.56M | 38.74M |
| TotalCapitalization | 258.10M | 267.51M | 283.88M | 73.74M |
| TotalEquityGrossMinorityInterest | 183.10M | 87.06M | 106.56M | 38.74M |
| StockholdersEquity | 183.10M | 87.06M | 106.56M | 38.74M |
| OtherEquityInterest | -15.19M | |||
| GainsLossesNotAffectingRetainedEarnings | 221.00K | 649.00K | -1.68M | 0.00 |
| OtherEquityAdjustments | 221.00K | 649.00K | -1.68M | |
| TreasuryStock | 0.00 | 5.00K | ||
| RetainedEarnings | -152.45M | -210.32M | -161.80M | -32.90M |
| AdditionalPaidInCapital | 335.33M | 296.73M | 270.04M | 86.83M |
| CapitalStock | 1.00K | 1.00K | 1.00K | 1.00K |
| CommonStock | 1.00K | 1.00K | 1.00K | 1.00K |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 116.23M | 206.96M | 214.93M | 108.45M |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 81.17M | 181.36M | 178.51M | 39.81M |
| OtherNonCurrentLiabilities | 3.03M | 129.00K | 124.00K | 119.00K |
| DerivativeProductLiabilities | 2.93M | 233.00K | 516.00K | 3.73M |
| TradeandOtherPayablesNonCurrent | 8.88M | |||
| LongTermDebtAndCapitalLeaseObligation | 75.20M | 180.99M | 177.88M | 35.97M |
| LongTermCapitalLeaseObligation | 204.00K | 543.00K | 550.00K | 970.00K |
| LongTermDebt | 75.00M | 180.45M | 177.32M | 35.00M |
| CurrentLiabilities | 35.06M | 25.60M | 36.42M | 68.63M |
| OtherCurrentLiabilities | 982.00K | 715.00K | 1.16M | 1.15M |
| CurrentDeferredLiabilities | 3.15M | 3.15M | 3.15M | |
| CurrentDebtAndCapitalLeaseObligation | 350.00K | 298.00K | 273.00K | 37.67M |
| CurrentCapitalLeaseObligation | 350.00K | 298.00K | 273.00K | 1.92M |
| CurrentDebt | 35.75M | |||
| OtherCurrentBorrowings | 695.00K | |||
| LineOfCredit | 0.00 | 20.00M | ||
| CurrentNotesPayable | 0.00 | 15.05M | ||
| PensionandOtherPostRetirementBenefitPlansCurrent | 5.17M | 3.60M | 1.53M | 1.52M |
| PayablesAndAccruedExpenses | 25.41M | 17.84M | 30.30M | 28.29M |
| CurrentAccruedExpenses | 16.15M | 10.91M | 17.52M | 14.04M |
| InterestPayable | 0.00 | 25.00K | ||
| Payables | 9.26M | 6.93M | 12.78M | 14.25M |
| TotalTaxPayable | 2.50M | 1.44M | 1.36M | 1.21M |
| IncomeTaxPayable | 1.48M | 0.00 | ||
| AccountsPayable | 6.77M | 5.49M | 11.42M | 13.04M |
| TotalAssets | 299.33M | 294.02M | 321.49M | 147.19M |
| TotalNonCurrentAssets | 17.05M | 17.14M | 12.92M | 46.98M |
| OtherNonCurrentAssets | 2.04M | 1.72M | 925.00K | 363.00K |
| NonCurrentDeferredAssets | 163.00K | 318.00K | 75.00K | 131.00K |
| FinancialAssets | 0.00 | 35.25M | ||
| GoodwillAndOtherIntangibleAssets | 13.64M | 13.21M | 10.16M | 7.85M |
| OtherIntangibleAssets | 13.64M | 13.21M | 10.16M | 7.85M |
| NetPPE | 1.21M | 1.89M | 1.76M | 3.39M |
| AccumulatedDepreciation | -1.67M | -1.29M | -726.00K | -377.00K |
| GrossPPE | 2.88M | 3.18M | 2.49M | 3.76M |
| Leases | 1.19M | 1.18M | 707.00K | 384.00K |
| OtherProperties | 773.00K | 735.00K | 2.70M | |
| MachineryFurnitureEquipment | 1.19M | 1.23M | 1.04M | 678.00K |
| BuildingsAndImprovements | 507.00K | 773.00K | 735.00K | 2.70M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 282.27M | 276.89M | 308.57M | 100.20M |
| OtherCurrentAssets | 16.13M | 7.96M | 11.59M | 4.44M |
| CurrentDeferredAssets | 0.00 | 5.13M | ||
| PrepaidAssets | 0.00 | 148.00K | 831.00K | 1.38M |
| Receivables | 175.86M | 112.85M | 104.18M | 49.01M |
| AccountsReceivable | 175.86M | 112.85M | 104.18M | 49.01M |
| AllowanceForDoubtfulAccountsReceivable | -22.70M | -20.31M | -24.50M | -11.99M |
| GrossAccountsReceivable | 198.56M | 133.16M | 128.68M | 61.01M |
| CashCashEquivalentsAndShortTermInvestments | 90.29M | 155.94M | 191.96M | 40.23M |
| OtherShortTermInvestments | 40.57M | 114.18M | 169.07M | 8.23M |
| CashAndCashEquivalents | 49.72M | 41.76M | 22.89M | 32.01M |
| CashFinancial | 79.78K |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 117.58M | 25.17M | -54.20M | -7.02M |
| RepurchaseOfCapitalStock | 0.00 | -12.00K | -536.00K | 0.00 |
| RepaymentOfDebt | -71.00M | 0.00 | -20.00M | -3.91M |
| IssuanceOfDebt | 0.00 | 140.00M | 70.00M | |
| IssuanceOfCapitalStock | 0.00 | 195.00M | 0.00 | |
| CapitalExpenditure | -7.56M | -8.58M | -9.31M | -6.48M |
| InterestPaidSupplementalData | 7.65M | 8.63M | 5.68M | 1.99M |
| EndCashPosition | 51.38M | 43.08M | 23.68M | 32.37M |
| BeginningCashPosition | 43.08M | 23.68M | 32.37M | 5.07M |
| ChangesInCash | 8.30M | 19.40M | -8.70M | 27.30M |
| FinancingCashFlow | -71.00M | 22.00K | 321.77M | 65.05M |
| CashFlowFromContinuingFinancingActivities | -71.00M | 22.00K | 321.77M | 65.05M |
| NetOtherFinancingCharges | -1.26M | 6.68M | -2.75M | |
| ProceedsFromStockOptionExercised | 1.27M | 34.00K | 620.00K | 1.71M |
| NetCommonStockIssuance | 0.00 | -12.00K | 194.46M | 0.00 |
| CommonStockPayments | 0.00 | -12.00K | -536.00K | 0.00 |
| CommonStockIssuance | 0.00 | 195.00M | 0.00 | |
| NetIssuancePaymentsOfDebt | -71.00M | 0.00 | 120.00M | 66.09M |
| NetShortTermDebtIssuance | 0.00 | -20.00M | -3.91M | |
| ShortTermDebtPayments | 0.00 | -20.00M | -3.91M | |
| NetLongTermDebtIssuance | -71.00M | 0.00 | 140.00M | 70.00M |
| LongTermDebtPayments | -71.00M | 0.00 | ||
| LongTermDebtIssuance | 0.00 | 140.00M | 70.00M | |
| InvestingCashFlow | -45.84M | -14.38M | -285.58M | -37.20M |
| CashFlowFromContinuingInvestingActivities | -45.84M | -14.38M | -285.58M | -37.20M |
| NetOtherInvestingChanges | -111.48M | -62.97M | -114.32M | -40.16M |
| NetInvestmentPurchaseAndSale | 73.20M | 57.17M | -161.94M | 9.44M |
| SaleOfInvestment | 243.78M | 211.59M | 357.82M | 9.44M |
| PurchaseOfInvestment | -170.59M | -154.41M | -519.77M | -5.00K |
| NetIntangiblesPurchaseAndSale | -7.30M | -7.89M | -8.58M | -6.11M |
| PurchaseOfIntangibles | -7.30M | -7.89M | -8.58M | -6.11M |
| NetPPEPurchaseAndSale | -262.00K | -688.00K | -728.00K | -371.00K |
| PurchaseOfPPE | -262.00K | -688.00K | -728.00K | -371.00K |
| OperatingCashFlow | 125.14M | 33.75M | -44.88M | -541.00K |
| CashFlowFromContinuingOperatingActivities | 125.14M | 33.75M | -44.88M | -541.00K |
| ChangeInWorkingCapital | -1.84M | -11.19M | -9.10M | 8.15M |
| ChangeInOtherCurrentLiabilities | 3.17M | -441.00K | -263.00K | -2.09M |
| ChangeInOtherCurrentAssets | 23.00K | -266.00K | -137.00K | 0.00 |
| ChangeInPayablesAndAccruedExpense | 9.14M | -10.39M | 4.39M | 10.21M |
| ChangeInAccruedExpense | 7.86M | -4.46M | 4.07M | 7.64M |
| ChangeInInterestPayable | 0.00 | 12.00K | ||
| ChangeInPayable | 1.28M | -5.93M | 330.00K | 2.57M |
| ChangeInAccountPayable | 1.28M | -5.93M | 330.00K | 2.57M |
| ChangeInPrepaidAssets | -8.01M | 3.99M | -13.10M | 36.00K |
| ChangeInReceivables | -6.16M | -4.08M | 330.00K | 2.57M |
| ChangesInAccountReceivables | 330.00K | 2.57M | ||
| OtherNonCashItems | 1.20M | 3.07M | -7.42M | -155.00K |
| StockBasedCompensation | 37.33M | 26.67M | 40.64M | 7.38M |
| UnrealizedGainLossOnInvestmentSecurities | -16.00K | 44.00K | -578.00K | 1.00K |
| ProvisionandWriteOffofAssets | 54.63M | 58.39M | 66.27M | 32.17M |
| DepreciationAmortizationDepletion | 7.68M | 5.54M | 7.13M | 3.06M |
| DepreciationAndAmortization | 7.68M | 5.54M | 7.13M | 3.06M |
| OperatingGainsLosses | -31.71M | -260.00K | -12.91M | -31.16M |
| GainLossOnInvestmentSecurities | 1.73M | -260.00K | -8.62M | -31.17M |
| GainLossOnSaleOfPPE | 0.00 | 14.00K | ||
| NetIncomeFromContinuingOperations | 57.87M | -48.52M | -128.91M | -19.99M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for DAVE
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|