Business Description
Dave Inc
NAICS : 513210
SIC : 5045
ISIN : US23834J2015
Share Class Description:
DAVE: Ordinary Shares - Class ATotal Employee Number:
280Description
Dave Inc is a financial services company. It is engaged in offering banking app that offers its customers banking, financial insights, overdraft protection, building credit, short-term liquidity, fee-free banking, and financial management tools, and finding side gigs.
Financial Strength
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.95 | |||||
Equity-to-Asset | 0.36 | |||||
Debt-to-Equity | 1.29 | |||||
Debt-to-EBITDA | 1.21 | |||||
Interest Coverage | 30.62 | |||||
Piotroski F-Score | 7/9 | |||||
Altman Z-Score | 11.1 | |||||
Beneish M-Score | -2.88 | |||||
WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 29.4 | |||||
3-Year Book Growth Rate | 42.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 30.97 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 26.48 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 43.69 | |||||
9-Day RSI | 48.42 | |||||
14-Day RSI | 49.3 | |||||
3-1 Month Momentum % | 14.07 | |||||
6-1 Month Momentum % | 43.59 | |||||
12-1 Month Momentum % | 46.4 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 4.22 | |||||
Quick Ratio | 4.22 | |||||
Cash Ratio | 2.07 | |||||
Days Sales Outstanding | 147.74 | |||||
Days Payable | 33.27 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -4.7 | |||||
Shareholder Yield % | 3.17 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 87.17 | |||||
Operating Margin % | 34.52 | |||||
Net Margin % | 34.59 | |||||
EBITDA Margin % | 34.55 | |||||
FCF Margin % | 49.59 | |||||
OCF Margin % | 50.8 | |||||
ROE % | 87.46 | |||||
ROA % | 46.66 | |||||
ROIC % | 75.02 | |||||
3-Year ROIIC % | 132.9 | |||||
ROC (Joel Greenblatt) % | 90.17 | |||||
ROCE % | 55.25 | |||||
Years of Profitability over Past 10-Year | 3 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 23.47 | |||||
Forward PE Ratio | 16.98 | |||||
PE Ratio without NRI | 27.01 | |||||
Price-to-Owner-Earnings | 25.46 | |||||
PS Ratio | 8.01 | |||||
PB Ratio | 22.29 | |||||
Price-to-Tangible-Book | 23.92 | |||||
Price-to-Free-Cash-Flow | 16.2 | |||||
Price-to-Operating-Cash-Flow | 15.81 | |||||
EV-to-EBIT | 21.56 | |||||
EV-to-EBITDA | 20.82 | |||||
EV-to-Forward-EBITDA | 12.28 | |||||
EV-to-Revenue | 7.19 | |||||
EV-to-Forward-Revenue | 5.51 | |||||
EV-to-FCF | 14.51 | |||||
Price-to-GF-Value | 2.02 | |||||
Price-to-Graham-Number | 5.36 | |||||
| Price-to-Net-Current-Asset-Value | 29.66 | |||||
Earnings Yield (Greenblatt) % | 4.64 | |||||
FCF Yield % | 6.92 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Peter Lynch Chart
Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
Dave Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 643.653 | ||
| EPS (TTM) ($) | 15.42 | ||
| Beta | 5.0895 | ||
| 3-Year Sharpe Ratio | 1.4 | ||
| 3-Year Sortino Ratio | 5.68 | ||
| Volatility % | 76.37 | ||
| 14-Day RSI | 49.3 | ||
| 14-Day ATR ($) | 22.575004 | ||
| 20-Day SMA ($) | 355.29075 | ||
| 12-1 Month Momentum % | 46.4 | ||
| 52-Week Range ($) | 152.21 - 458.25 | ||
| Shares Outstanding (Mil) | 12.76 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Dave Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Dave Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Fourth quarter earnings conference call for 2026 | 2027-03-02 17:00 | In 174 days | ||
| Annual report for 2026 | 2027-03-02 | In 173 days | ||
| Fourth quarter earnings results for 2026 | 2027-03-02 | In 173 days | ||
| Third quarter earnings conference call for 2026 | 2026-11-04 08:30 | In 56 days | ||
| Third quarter earnings results for 2026 | 2026-11-04 | In 55 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-05 17:00 | 429.26 (+5.51%) | ||
| Second quarter earnings results for 2026 | 2026-08-05 | 429.26 (+5.51%) | ||
| General meeting for 2026 | 2026-06-02 09:00 | 282.56 (-0.82%) | ||
| First quarter earnings conference call for 2026 | 2026-05-05 17:00 | 279.17 (+0.88%) | ||
| First quarter earnings results for 2026 | 2026-05-05 | 279.17 (+0.88%) |
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Dave Inc Frequently Asked Questions
What is Dave Inc(DAVE)'s stock price today?
The current price of DAVE is $361.88. The 52 week high of DAVE is $458.25 and 52 week low is $152.21.
When is next earnings date of Dave Inc(DAVE)?
The next earnings date of Dave Inc(DAVE) is 2026-11-04 Est..
Does Dave Inc(DAVE) pay dividends? If so, how much?
Dave Inc(DAVE) does not pay dividend.
Guru Commentaries on NAS:DAVE
Buckley Capital
Bearish
2026 Q2
What the manager wrote
Dave has rallied over 100% from our average cost. While we believe Dave is a great business, the stock has become very expensive. It is now trading at the high end of its historical multiple range, and as such, we fully exited the position. While we continue to believe the business will do well, it will have to perform in line with our upside case for there to be meaningful returns going forward. Our original thesis played out very well: we believed Dave is a great business that gives the average American consumer living paycheck to paycheck access to small but meaningful amounts of short-term cash.
Press Release
Articles on Dave Inc
Headlines
See More- 1
Sep 09, 2026
Loop Capital initiates coverage of Klarna, Dave, Affirm
Seeking Alpha • 12:16pm
- 1
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