Dave Inc. logo DAVE - Dave Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 10
HOLD 1
SELL 0
STRONG
SELL
0
| PRICE TARGET: $339.67 DETAILS
HIGH: $345.00
LOW: $332.00
MEDIAN: $342.00
CONSENSUS: $339.67
UPSIDE: 48.68%
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Revenue
Revenue 158.4 163.7 150.7 131.8 108.0 100.8 92.5 80.1 73.6 73.1 65.8 61.2 58.9 59.7 56.8 45.8 42.6 41.2 40.2 37.2 34.4 35.5 32.0 27.1 27.1
Cost of Revenue 20.7 19.8 20.0 17.3 16.8 6.3 17.5 16.8 7.7 7.5 7.1 7.2 7.1 8.3 9.5 7.6 6.5 6.5 6.2 5.5 5.2 6.0 11.7 9.5 9.5
Gross Profit 137.7 144.0 130.8 114.5 91.2 94.6 75.0 63.3 65.9 65.6 58.7 54.0 51.8 51.4 47.3 38.2 36.0 34.6 34.0 31.7 29.2 29.5 20.4 17.7 17.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.4 0.3 0.3
SG&A Expenses 41.9 44.5 43.8 41.9 39.2 39.8 45.4 37.1 33.6 33.6 37.0 38.9 33.8 34.1 48.4 59.9 30.1 27.5 28.4 21.7 23.4 22.7 10.1 6.3 6.3
Other Expenses 36.3 34.9 41.1 31.5 16.9 33.8 27.1 20.5 26.9 30.3 21.8 36.0 30.5 38.1 36.9 31.3 28.6 21.8 21.3 16.3 16.1 17.0 0 0 0
Operating Expenses 78.1 79.5 84.9 73.4 56.1 73.6 72.5 57.6 60.5 63.8 58.7 74.9 64.3 72.1 85.2 91.2 58.7 49.2 49.7 38.0 39.5 39.6 10.5 6.6 6.6
Operating Income
Operating Income 59.6 64.5 45.9 41.1 35.1 21.0 2.5 5.7 5.4 1.8 0 (20.9) (12.5) (20.8) (37.9) (53.0) (22.7) (14.6) (15.7) (6.3) (10.3) (10.1) 9.9 11.0 11.0
Interest Expense 1.7 1.7 1.8 1.8 1.8 1.8 2.0 2.0 2.2 2.8 3.1 3.0 2.9 2.9 2.4 2.3 1.6 1.4 0.7 0.5 0.3 0.0 0 0 0
Interest Income 0.8 0.3 0.3 0.6 0.4 0.5 0.4 0.5 1.5 1.3 1.3 1.5 1.2 1.1 1.2 0.6 0.0 0 0.5 0.1 0.1 0.1 0.1 0.1 0.1
Profitability
EBITDA 73.5 68.0 62.1 14.9 37.2 21.7 4.6 8.3 41.4 4.7 (7.5) (18.4) (9.9) (17.1) (42.6) (22.9) (30.1) (13.1) (6.4) (5.6) 7.0 (13.1) (1.5) 5.2 5.2
EBIT 71.9 65.9 60.2 13.3 35.6 19.3 2.8 6.5 39.7 3.1 (9.0) (19.6) (11.1) (18.7) (45.1) (24.8) (31.2) (14.0) (7.2) (6.3) 4.2 (13.6) (1.5) 5.2 5.2
Income Before Tax 70.2 64.2 58.4 11.5 33.9 17.5 0.8 4.6 37.4 0.3 (12.0) (22.6) (14.0) (21.6) (47.5) (27.1) (32.8) (15.1) (7.9) (0.9) 3.9 (13.7) (3.7) 5.3 5.3
Income Tax Expense 12.2 (1.7) (33.6) 2.5 5.1 0.7 0.4 (1.8) 3.2 0.1 0.0 0.0 0.0 (0.1) 0.0 0.0 0.0 0.1 (0.0) 0.0 (0.0) 20.9 (20.9) 0.0 0.0
Net Income 57.9 65.9 92.1 9.0 28.8 16.8 0.5 6.4 34.2 0.2 (12.1) (22.6) (14.0) (21.5) (47.5) (27.1) (32.8) (15.2) (7.9) (0.9) 4.0 (34.6) 17.2 5.2 5.2
Per Share Data
EPS (Basic) 4.31 4.88 6.84 0.68 2.19 1.34 0.04 0.51 2.80 0.01 -1.01 -1.90 -1.18 -1.82 -4.04 -2.33 -3.00 -1.31 -0.68 -0.07 -1.30 2.01 0.24 0.24
EPS (Diluted) 4.02 4.57 6.34 0.62 1.97 1.22 0.03 0.47 2.60 0.01 -1.01 -1.90 -1.18 -1.82 -4.04 -2.33 -3.00 -1.31 -0.68 -0.07 -1.30 1.80 0.23 0.23
Shares Outstanding 13.4 13.5 13.5 13.4 13.1 12.8 12.6 12.4 12.2 12.1 12.0 11.9 11.9 11.8 11.8 11.6 11.6 11.6 11.6 11.6 11.6 11.6 3.0 2.9 2.9
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q1
Current Assets
Cash & Cash Equivalents 133.3 80.5 49.9 61.7 47.0 49.7 35.1 48.6 55.5 41.8 43.6 49.3 51.8 22.9 38.6 26.4 23.6 32.0 21.3 0.7 0.9 4.8 0
Short-Term Investments 0 40.8 41.8 41.2 41.1 40.6 40.1 39.6 44.4 114.2 126.2 128.3 143.3 169.1 185.3 230.4 278.3 8.2 13.8 0 0 17.7 0
Net Receivables 0 297.3 0 225.7 194.7 175.9 165.5 127.8 104.9 112.8 97.1 88.7 80.2 104.2 87.6 76.1 61.8 49.0 44.9 0 0 38.7 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 346.3 18.1 268.3 17.9 16.0 16.1 14.0 13.6 13.5 8.0 10.6 13.9 15.7 11.6 10.1 12.0 10.0 9.6 6.9 0 0 4.1 (31.7)
Total Current Assets 479.6 436.7 386.0 346.4 298.8 282.3 254.7 229.5 218.3 276.9 278.4 281.1 291.6 308.6 322.3 345.6 375.0 100.2 89.6 1.8 2.1 69.4 0
Non-Current Assets
Property, Plant & Equipment 0.8 0.7 0.8 0.9 1.1 1.2 1.4 1.6 1.7 1.9 1.8 2.0 1.9 1.8 1.7 2.7 3.1 3.4 3.8 0 0 1.9 0
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 13.7 13.7 13.9 13.9 13.7 13.6 14.0 13.9 13.3 13.2 12.7 12.1 11.0 10.2 9.4 9.7 9.1 7.8 6.5 0 0 4.5 0
Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 253.8 253.8 0 0
Other Non-Current Assets 2.2 2.2 32.5 2.3 2.2 2.2 2.2 2.2 2.2 2.0 1.5 0.8 0.8 1 0.8 0.5 0.6 35.7 34.0 0 0 0.7 0
Total Non-Current Assets 50.9 50.7 47.3 17.2 16.9 17.1 17.6 17.7 17.3 17.1 16.1 14.9 13.8 12.9 11.9 12.9 12.8 47.0 44.3 253.8 253.8 7.1 0
Total Assets 530.5 487.4 433.3 363.6 315.7 299.3 272.2 247.2 235.6 294.0 294.4 296.0 305.4 321.5 334.2 358.5 387.8 147.2 133.9 255.6 255.9 76.4 0
Current Liabilities
Account Payables 6.7 8.4 7.8 7.7 6.3 6.8 8.8 9.3 9.0 5.5 9.1 6.3 4.6 11.4 14.7 21.1 13.6 13.0 14.6 0 0 8.5 0
Short-Term Debt 75.3 75 0 0 0 0 0 0 0 0 0 0 0 0 20 20 20 35.7 14.6 0 0 3.9 0
Deferred Revenue 0 0.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 42.3 13.0 24.2 6.7 6.9 9.3 9.0 6.8 7.4 7.5 6.4 5.9 6.8 5.8 5.6 2.5 10.6 2.7 2.3 1.7 0.1 3.7 0
Total Current Liabilities 124.3 114.0 44.4 36.4 34.8 35.1 37.4 26.5 29.2 25.6 34.9 32.0 26.3 36.4 63.2 57.4 58.8 68.6 44.9 1.7 0.1 24.2 0
Non-Current Liabilities
Long-Term Debt 192.9 0 75 75 75 75 75 75 75 180.5 179.7 178.9 178.1 177.3 146.6 135.8 134.9 35 30.7 0 0 0.7 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 9.5 20.6 22.4 34.9 6.2 6.0 3.7 3.6 3.6 0.4 0.4 0.6 0.5 0.6 0.6 1.3 18.8 3.8 4.1 29.3 27.8 0.6 (55.3)
Total Non-Current Liabilities 202.4 20.7 97.5 110.1 81.4 81.2 79.0 78.9 79.0 181.4 180.4 179.9 179.0 178.5 147.8 137.8 154.5 39.8 36.3 29.3 27.8 2.4 (55.3)
Total Liabilities 326.7 134.7 141.9 146.5 116.2 116.2 116.4 105.4 108.3 207.0 215.3 211.9 205.4 214.9 211.0 195.2 213.3 108.4 81.2 31.0 27.9 26.6 (55.3)
Stockholders' Equity
Common Stock 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 219.5 223.0 0.0 0
Retained Earnings 101.4 43.4 (22.5) (114.6) (123.6) (152.4) (169.3) (169.7) (176.1) (210.3) (210.5) (198.4) (175.8) (161.8) (140.3) (92.8) (67.7) (32.9) (17.7) (5.1) (1.7) (12.9) 0
Accumulated Other Comprehensive Income 0.3 0.4 0.3 0.1 0.2 0.2 0.2 0.1 0.0 0.6 (0.5) (0.9) (0.9) (1.7) (3.0) (2.4) 0 0 0 0 0 0 (16.9)
Total Stockholders' Equity 203.8 352.7 291.3 217.1 199.5 183.1 155.8 141.8 127.3 87.1 79.2 84.1 100.1 106.6 123.2 163.3 174.4 38.7 52.6 224.5 228.0 49.8 55.3
Total Liabilities & Equity 530.5 487.4 433.3 363.6 315.7 299.3 272.2 247.2 235.6 294.0 294.4 296.0 305.4 321.5 334.2 358.5 387.8 147.2 133.9 255.6 255.9 76.4 0
Debt Metrics
Total Debt 268.2 75.2 75.3 75.4 75.5 75.6 75.6 75.7 75.8 181.3 180.3 179.5 178.8 178.1 167.4 157.7 157.4 73.6 48.7 0 0 6.1 0
Net Debt 134.9 (5.3) 25.4 13.7 28.5 25.8 40.6 27.1 20.2 139.5 136.7 130.2 127.1 155.3 128.9 131.4 133.8 41.6 27.4 (0.7) (0.9) 1.3 0
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Operating Activities
Net Income 57.9 65.9 92.1 9.0 28.8 16.8 0.5 6.4 34.2 0.2 (12.1) (22.6) (14.0) (21.5) (47.5) (27.1) (34.8) (15.2) (7.9) (0.9) 4.0 (34.6) 17.2 5.2 5.2
Depreciation & Amortization 1.6 2.1 1.9 1.6 1.5 2.3 1.8 1.8 1.7 1.7 1.4 1.2 1.2 1.6 2.5 1.9 1.2 1.0 0.8 0.7 2.8 0.5 0.0 0.1 0.1
Stock-Based Compensation 7.1 6.9 7.2 8.3 7.5 10.1 13.4 7.7 6.1 6.5 6.7 6.6 6.8 6.6 8.0 22.9 3.2 1.0 3.6 0 1.7 0.6 0.3 0.3 0.3
Change in Working Capital 0.2 (7.6) (3.5) (4.4) (3.2) (6.4) 7.4 (1.8) (1.0) (7.9) 2.7 7.9 (13.9) (11.9) 5.1 3.1 (30.4) 25.5 6.5 (3.4) 1.4 17.5 (16.5) (2.6) (2.6)
Other Non-Cash Items 15.2 29.9 15.8 53.7 10.6 18.9 14.0 14.0 (22.7) 15.1 16.6 16.6 13.0 21.3 17.5 (14.8) 23.4 9.2 1.9 0.0 (11.5) (0.1) (14.1) 1.4 1.4
Operating Cash Flow 82.0 93.3 83.2 68.2 45.2 41.7 37.0 28.0 18.3 15.6 15.4 9.7 (6.9) (3.9) (14.3) (14.1) (37.5) 21.6 4.9 (3.5) (1.7) (4.8) (13.0) 4.3 4.3
Investing Activities
Capital Expenditure (0.0) (1.8) 1.7 (0.1) (1.4) (1.8) (1.8) (2.3) (1.6) (2.0) (1.9) (2.5) (2.2) (2.4) (2.2) (2.3) (2.5) (2.3) (1.8) (0.0) (3.3) (1.3) (0.0) (0.1) (0.1)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27.2 0 0 0 0 1.2 0 0 0
Purchases of Investments (26.0) (20.3) (60.8) (71.0) (37.9) (36.5) (26.4) (27.6) (80.1) (28.0) (37.6) (49.5) (39.2) (21.3) 0.7 (197.0) (302.1) (0.0) (0.0) (0.0) (0.0) (0.0) 0 0 0
Sales/Maturities of Investments 24.1 21.5 60.3 70.8 37.3 36.0 25.9 32.5 149.3 41.4 40.0 64.8 65.4 38.7 44.6 242.5 32 5.5 0 0 3.9 2 0 0 0
Other Investing Activities (8.2) (51.9) (69.5) (53.4) (27.5) (26.2) (50.1) (39.3) (3.2) (30.7) (23.1) (27) 11.9 (36.7) (28.4) (28.4) (27.2) (42.4) (12.6) (15.2) 1.0 (1.2) 4.7 (0.9) (0.9)
Investing Cash Flow (10.1) (50.8) (70.1) (53.8) (28.1) (26.8) (50.6) (34.5) 66.1 (17.4) (20.7) (12.1) 35.8 (21.7) 16.7 17.0 (272.6) (37.0) (12.8) (14.2) 4.9 0.7 4.7 (1.0) (1.0)
Financing Activities
Net Debt Issuance 193.1 0 0 0 0 0 0 0 (71) 0 0 0 0 10 10 0 100 25 22 4 15.1 3.9 0 0 0
Stock Repurchased (204.1) (6.2) (25.0) 0 (6.9) 0 0 0 0 0.0 0 0 (0.0) 1.0 0 0 (1.6) 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities (8.2) (5.7) 0 0 (13.0) (0.1) 0.1 (0.5) 0.5 0.0 0.0 0.0 0.0 (1.0) 0.1 (0.1) 8.3 1.2 (1.1) 0 0.5 0.2 0.1 0.0 0.0
Financing Cash Flow (19.1) (11.8) (25.0) 0.4 (19.9) (0.1) 0.1 (0.5) (70.5) 0.0 0.0 0.0 (0.0) 10.0 10.1 (0.1) 301.7 26.2 20.9 2.4 15.6 4.1 0.1 0.0 0.0
Cash Position
Net Change in Cash 52.8 30.6 (11.8) 14.9 (2.7) 14.8 (13.5) (6.9) 14.0 (1.7) (5.3) (2.4) 28.9 (15.6) 12.4 2.8 (8.4) 10.7 13.0 (0.2) 18.8 (0.0) (8.2) 3.4 3.4
Cash at Beginning 82.4 51.7 63.5 48.7 51.4 36.6 50.1 57.1 43.1 44.8 50.1 52.5 23.7 39.3 26.8 24.0 32.4 21.6 8.6 0.9 5.1 5.1 13.3 9.9 0
Cash at End 135.2 82.4 51.7 63.5 48.7 51.4 36.6 50.1 57.1 43.1 44.8 50.1 52.5 23.7 39.3 26.8 24.0 32.4 21.6 0.7 23.9 5.1 5.1 13.3 3.4
Free Cash Flow 82.0 91.5 84.9 68.1 43.8 39.9 35.2 25.7 16.7 13.6 13.5 7.2 (9.1) (6.3) (16.5) (16.4) (40.0) 19.2 3.1 (3.5) (5.0) (6.1) (13.0) 4.3 4.3
Key Metrics 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Income Statement
Revenue 158.4 163.7 150.7 131.8 108.0 100.8 92.5 80.1 73.6 73.1 65.8 61.2 58.9 59.7 56.8 45.8 42.6 41.2 40.2 37.2 34.4 35.5 32.0 27.1 27.1
Gross Profit 137.7 144.0 130.8 114.5 91.2 94.6 75.0 63.3 65.9 65.6 58.7 54.0 51.8 51.4 47.3 38.2 36.0 34.6 34.0 31.7 29.2 29.5 20.4 17.7 17.7
Operating Income 59.6 64.5 45.9 41.1 35.1 21.0 2.5 5.7 5.4 1.8 0 (20.9) (12.5) (20.8) (37.9) (53.0) (22.7) (14.6) (15.7) (6.3) (10.3) (10.1) 9.9 11.0 11.0
Net Income 57.9 65.9 92.1 9.0 28.8 16.8 0.5 6.4 34.2 0.2 (12.1) (22.6) (14.0) (21.5) (47.5) (27.1) (32.8) (15.2) (7.9) (0.9) 4.0 (34.6) 17.2 5.2 5.2
EPS (Diluted) 4.02 4.57 6.34 0.62 1.97 1.22 0.03 0.47 2.60 0.01 -1.01 -1.90 -1.18 -1.82 -4.04 -2.33 -3.00 -1.31 -0.68 -0.07 -1.30 1.80 0.23 0.23
Balance Sheet
Cash & Equivalents 133.3 80.5 49.9 61.7 47.0 49.7 35.1 48.6 55.5 41.8 43.6 49.3 51.8 22.9 38.6 26.4 23.6 32.0 21.3 0.7 0.9 4.8 0
Total Assets 530.5 487.4 433.3 363.6 315.7 299.3 272.2 247.2 235.6 294.0 294.4 296.0 305.4 321.5 334.2 358.5 387.8 147.2 133.9 255.6 255.9 76.4 0
Total Debt 268.2 75.2 75.3 75.4 75.5 75.6 75.6 75.7 75.8 181.3 180.3 179.5 178.8 178.1 167.4 157.7 157.4 73.6 48.7 0 0 6.1 0
Stockholders' Equity 203.8 352.7 291.3 217.1 199.5 183.1 155.8 141.8 127.3 87.1 79.2 84.1 100.1 106.6 123.2 163.3 174.4 38.7 52.6 224.5 228.0 49.8 55.3
Cash Flow
Operating Cash Flow 82.0 93.3 83.2 68.2 45.2 41.7 37.0 28.0 18.3 15.6 15.4 9.7 (6.9) (3.9) (14.3) (14.1) (37.5) 21.6 4.9 (3.5) (1.7) (4.8) (13.0) 4.3 4.3
Capital Expenditure (0.0) (1.8) 1.7 (0.1) (1.4) (1.8) (1.8) (2.3) (1.6) (2.0) (1.9) (2.5) (2.2) (2.4) (2.2) (2.3) (2.5) (2.3) (1.8) (0.0) (3.3) (1.3) (0.0) (0.1) (0.1)
Free Cash Flow 82.0 91.5 84.9 68.1 43.8 39.9 35.2 25.7 16.7 13.6 13.5 7.2 (9.1) (6.3) (16.5) (16.4) (40.0) 19.2 3.1 (3.5) (5.0) (6.1) (13.0) 4.3 4.3