DAVE
Dave Inc.
$402.53
+12.39
(+3.18%)
Mkt Cap
5.36B
Volume
171,470
52W Range
152.21-409
Sector
Technology
Beta
3.83
EPS (TTM)
16.71
P/E Ratio
23.87
Revenue (TTM)
604.62M
Rev Growth (5Y)
+35.4%
EPS Growth (5Y)
N/A
AlphaVal · Fair Value
What we estimate one share is worth
$696.69
Undervalued
strong signal
42.8% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade · Gated
How strong & durable the business is
F
Platform & Compounding FCF
30.0 / 100 pillar composite (overridden)
A platform business that compounds free cash flow — graded A–F vs. similar companies.
Company Description
Dave Inc. manages a digital platform that delivers a comprehensive array of financial products and services. Among its key offerings is "Insights," a personal finance management solution designed to help members monitor their earnings and expenditures between salary payments. The company also provides "ExtraCash," a no-cost alternative to traditional overdrafts or short-term credit, which allows users to advance money to their accounts and bypass associated fees. Furthermore, its platform features "Side Hustle," an integrated portal for job applications. Dave Inc. also includes "Dave Banking," which operates as a digital checking and demand deposit account. Established in 2015, the firm is headquartered in West Hollywood, California.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 554.18M | 347.08M | 259.09M | 204.84M | 153.01M | 121.80M | 76.23M |
| Net Income | 195.87M | 57.87M | (48.52M) | (128.91M) | (19.99M) | (6.96M) | 787,000 |
| EPS | 14.65 | 4.62 | -4.07 | -10.92 | -1.72 | -0.60 | 0.00 |
| Free Cash Flow | 289.71M | 124.88M | 25.17M | (54.20M) | (7.02M) | (13.37M) | (13.51M) |
| FCF / Share | 21.67 | 9.97 | 2.11 | -4.59 | -0.60 | -1.15 | -1.16 |
| Operating CF | 290.02M | 125.14M | 33.75M | (44.88M) | (541,000) | (9.15M) | (10.93M) |
| Total Assets | 487.42M | 299.33M | 294.02M | 321.49M | 147.19M | 76.41M | 67.09M |
| Total Debt | 75.20M | 75.55M | 181.29M | 178.15M | 73.64M | 6.11M | 2.55M |
| Cash & Equiv | 80.52M | 49.72M | 41.76M | 22.89M | 32.01M | 4.79M | 6.41M |
| Book Value | 352.73M | 183.10M | 87.06M | 106.56M | 38.74M | 49.84M | 55.29M |
| Return on Equity | 0.56 | 0.32 | -0.56 | -1.21 | -0.52 | -0.14 | 0.01 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 158.41M | 163.72M | 150.72M | 131.76M | 107.98M | 100.84M | 92.49M | 80.12M | 73.63M | 73.12M | 65.81M | 61.23M |
| Net Income | 57.94M | 65.94M | 92.07M | 9.04M | 28.81M | 16.81M | 466,000 | 6.36M | 34.24M | 179,000 | (12.05M) | (22.62M) |
| EPS | 4.31 | 4.88 | 6.84 | 0.68 | 2.19 | 1.34 | 0.04 | 0.51 | 2.80 | 0.01 | -1.01 | -1.90 |
| Free Cash Flow | 82.01M | 91.47M | 84.92M | 68.11M | 43.84M | 39.89M | 35.21M | 25.74M | 16.74M | 13.60M | 13.48M | 7.23M |
| FCF / Share | 6.10 | 6.77 | 6.31 | 5.10 | 3.34 | 3.13 | 2.79 | 2.07 | 1.37 | 1.13 | 1.13 | 0.61 |
| Operating CF | 82.03M | 93.29M | 83.25M | 68.24M | 45.25M | 41.71M | 37.03M | 28.05M | 18.34M | 15.63M | 15.37M | 9.68M |
| Total Assets | 530.53M | 487.42M | 433.25M | 363.56M | 315.65M | 299.33M | 272.24M | 247.16M | 235.60M | 294.02M | 294.45M | 296.01M |
| Total Debt | 268.21M | 75.20M | 75.30M | 75.38M | 75.47M | 75.55M | 75.63M | 75.70M | 75.77M | 181.29M | 180.27M | 179.55M |
| Cash & Equiv | 133.33M | 80.52M | 49.89M | 61.69M | 47.00M | 49.72M | 35.06M | 48.60M | 55.52M | 41.76M | 43.61M | 49.35M |
| Book Value | 203.78M | 352.73M | 291.31M | 217.07M | 199.46M | 183.10M | 155.81M | 141.76M | 127.31M | 87.06M | 79.18M | 84.12M |
| Return on Equity | 0.28 | 0.19 | 0.32 | 0.04 | 0.14 | 0.09 | 0.00 | 0.04 | 0.27 | 0.00 | -0.15 | -0.27 |
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