Dave Inc./DE
Dave Inc./DE
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Assets Current | |||||||||||||||||
Marketable Securities Current | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | |||||
Notes And Loans Receivable Net Current | 232 | 279 | 297 | 268 | 226 | 195 | 176 | 166 | 128 | 105 | 113 | 97 | |||||
Prepaid Taxes | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 1 | |||||
Prepaid Expense And Other Assets Current | 24 | 25 | 18 | 26 | 18 | 16 | 16 | 14 | 14 | 13 | 8 | 11 | |||||
Assets Current | 519 | 480 | 437 | 386 | 346 | 299 | 282 | 255 | 230 | 218 | 277 | 278 | |||||
Property Plant And Equipment Net | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Operating Lease Right Of Use Asset | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Finite Lived Intangible Assets Net | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 13 | 13 | 13 | |||||
Restricted Cash Noncurrent | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | |||||
Deferred Income Tax Assets Net | 34 | 34 | 34 | 30 | - | - | 0 | - | - | - | - | - | |||||
Other Assets Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities Current | |||||||||||||||||
Accrued Liabilities Current | 17 | 13 | 15 | 15 | 17 | 17 | 17 | 17 | 11 | 15 | 13 | 14 | |||||
Operating Lease Liability Current | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Loss Contingency Accrual Carrying Value Current | 10 | 8 | 8 | 16 | 7 | 7 | 7 | 7 | 1 | 1 | 3 | 7 | |||||
Accrued Income Taxes Current | 0 | 12 | - | - | - | - | - | - | - | - | - | - | |||||
Other Liabilities Current | 14 | 9 | 8 | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Liabilities Current | 123 | 124 | 114 | 44 | 36 | 35 | 35 | 37 | 26 | 29 | 26 | 35 | |||||
Operating Lease Liability Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |||||
Convertible Debt Noncurrent | 193 | 193 | - | - | - | - | - | - | - | - | - | - | |||||
Other Liabilities Noncurrent | 5 | 5 | 4 | 5 | 4 | 3 | 3 | 3 | 3 | 3 | 0 | 0 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | - | - | - | 0 | - | - | - | 0 | 0 | |||||
Additional Paid In Capital | 351 | 334 | 353 | 346 | 339 | 330 | 335 | 325 | 311 | 303 | 297 | 290 | |||||
Treasury Stock Common Value | -251 | -232 | -44 | -32 | -7 | -7 | 0 | - | - | - | - | - | |||||
Accumulated Other Comprehensive Income Loss Net Of… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -1 | |||||
Retained Earnings Accumulated Deficit | 108 | 101 | 43 | -23 | -115 | -124 | -152 | -169 | -170 | -176 | -210 | -210 | |||||
Stockholders Equity | 208 | 204 | 353 | 291 | 217 | 199 | 183 | 156 | 142 | 127 | 87 | 79 | |||||
Liabilities And Stockholders Equity | 571 | 531 | 487 | 433 | 364 | 316 | 299 | 272 | 247 | 236 | 294 | 294 | |||||
Variable Interest Entity Primary Beneficiary | - | 10 | 31 | -21 | 36 | - | 46 | -12 | -6 | 48 | 38 | 0 | |||||
Preferred Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Allowance For Notes And Loans Receivable Current | 41 | 38 | 38 | 40 | 33 | 20 | 23 | 21 | 20 | 17 | 20 | 20 | |||||
Cash And Cash Equivalents At Carrying Value | 210 | 133 | 81 | 50 | 62 | 47 | 50 | 35 | 49 | 56 | 42 | 44 | |||||
Available For Sale Securities Debt Securities Curr… | 43 | 43 | 41 | 42 | 41 | 41 | 40 | 40 | 40 | 43 | 113 | 125 | |||||
Long Term Investments | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Assets | 571 | 531 | 487 | 433 | 364 | 316 | 299 | 272 | 247 | 236 | 294 | 294 | |||||
Accounts Payable Current | 7 | 7 | 8 | 8 | 8 | 6 | 7 | 9 | 9 | 9 | 5 | 9 | |||||
Lines Of Credit Current | 75 | 75 | 75 | - | - | - | 0 | - | - | - | - | - | |||||
Long Term Debt Noncurrent | - | - | 0 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | |||||
Liabilities | 363 | 327 | 135 | 142 | 146 | 116 | 116 | 116 | 105 | 108 | 207 | 215 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.11% | 32.18% | 52.69% | - | - | - | - | - | - | - | - | - |
| 2025 | 31.49% | 63.45% | 37.90% | 8.72% | 11.21% | 26.80% | -6.96% | -2.28% | -22.26% | -12.09% | 37.96% | 14.80% |
| 2024 | -13.84% | -42.07% | -31.26% | 20.47% | 34.76% | 24.13% | 46.45% | 43.11% | 52.58% | -6.45% | 2.82% | 118.32% |
| 2023 | - | - | - | 22.90% | -5.34% | -20.00% | 5.27% | 42.60% | 150.43% | 3.17% | 21.44% | 17.14% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Liquidity Ratios | |||||||||||||||||
| Current Ratio | 4.22 | 3.86 | 3.83 | 8.69 | 9.51 | 8.59 | 8.05 | 6.81 | 8.67 | 7.47 | 10.81 | 7.98 | |||||
| Quick Ratio | 4.03 | 3.66 | 3.67 | 8.11 | 9.02 | 8.13 | 7.59 | 6.43 | 8.16 | 7.00 | 10.50 | 7.68 | |||||
| Working Capital | 396.17M | 355.28M | 322.70M | 341.58M | 309.96M | 264.01M | 247.21M | 217.25M | 203.05M | 189.09M | 251.28M | 243.49M | |||||
Leverage & Debt | |||||||||||||||||
| Debt to Equity | 1.75 | 1.60 | 0.38 | 0.49 | 0.67 | 0.58 | 0.63 | 0.75 | 0.74 | 0.85 | 2.38 | 2.72 | |||||
| Interest Coverage TTM | 29.59 | 30.13 | 24.86 | 17.92 | 9.68 | 8.54 | 8.55 | 5.83 | 4.02 | 1.28 | -3.11 | -4.89 | |||||
| Debt Ratio | 0.64 | 0.62 | 0.28 | 0.33 | 0.40 | 0.37 | 0.39 | 0.43 | 0.43 | 0.46 | 0.70 | 0.73 | |||||
Efficiency & Turnover | |||||||||||||||||
| Asset Turnover TTM | 1.38 | 1.43 | 1.41 | 1.39 | 1.42 | 1.38 | 1.17 | 1.13 | 1.08 | 1.01 | 0.84 | 0.78 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 16.27 | 15.62 | 13.53 | 10.10 | 3.79 | 3.58 | 4.19 | 2.96 | 2.12 | -0.02 | -4.07 | -5.87 | |||||
| Free Cash Flow Per Share TTM | 22.78 | 24.30 | 21.67 | 14.34 | 10.98 | 11.56 | 9.97 | 7.82 | 6.21 | 4.79 | 2.77 | 1.11 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 98.87% | 98.84% | 98.73% | 98.54% | 98.30% | 98.03% | 97.70% | 97.20% | 96.57% | 95.95% | 95.46% | 95.14% | |||||
| Operating Profit Margin TTM | 32.24% | 33.79% | 30.32% | 24.69% | 14.71% | 14.89% | 17.39% | 13.51% | 10.34% | 1.12% | -18.68% | -28.62% | |||||
| Net Profit Margin TTM | 34.59% | 37.21% | 35.34% | 29.87% | 12.73% | 13.75% | 16.67% | 12.92% | 9.82% | -0.09% | -18.73% | -28.57% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 48.63% | 58.52% | 59.67% | 53.84% | 47.97% | 39.31% | 33.96% | 30.00% | 23.68% | 23.77% | 26.49% | 31.84% | |||||
| Net Income Growth (1Y) | 303.88% | 329.02% | 238.44% | 255.74% | 91.89% | -21,161.04% | -219.28% | -158.77% | -127.19% | -99.77% | -62.36% | -34.70% | |||||
| EPS Growth (1Y) | 324.39% | 319.17% | 217.04% | 234.11% | 78.27% | -19,707.23% | -213.70% | -155.61% | -126.03% | -99.78% | -63.46% | -36.11% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 21.29 | 10.40 | 15.11 | 18.28 | 65.08 | 20.69 | 18.81 | 12.25 | 13.10 | -1,822.72 | -2.06 | -1.06 | |||||
| P/B TTM | 22.80 | 11.48 | 8.39 | 9.21 | 16.53 | 5.44 | 5.94 | 3.24 | 2.65 | 3.56 | 1.15 | 0.94 | |||||
| P/S TTM | 7.36 | 3.87 | 5.34 | 5.46 | 8.28 | 2.84 | 3.14 | 1.58 | 1.29 | 1.66 | 0.39 | 0.30 | |||||
| Market Cap | 4.74B | 2.34B | 2.96B | 2.68B | 3.59B | 1.09B | 1.09B | 505.07M | 376.22M | 453.86M | 100.07M | 74.15M | |||||
| Enterprise Value | 4.80B | 2.47B | 2.95B | 2.71B | 3.60B | 1.11B | 1.11B | 543.46M | 401.07M | 471.79M | 131.99M | 104.35M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 289.75M | 326.50M | 289.71M | 192.96M | 146.74M | 151.75M | 124.88M | 98.81M | 77.15M | 58.59M | 33.07M | 13.31M | |||||
| Net Debt | 56.68M | 132.61M | -7.36M | 23.27M | 11.47M | 26.34M | 25.28M | 38.40M | 24.85M | 17.93M | 31.92M | 30.20M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Dave Inc./DE (DAVE) — SEC Financial Statements & Analysis
Dave Inc./DE (DAVE) is a finance services company. Dave Inc./DE trades on Nasdaq as: DAVE, DAVEW. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Dave Inc./DE reported a 48.63% year-over-year revenue growth, a Gross Profit Margin of 98.87% (TTM), a Debt-to-Equity ratio of 1.75x, a Price-to-Sales (P/S) ratio of 7.36x (TTM), a Price-to-Book (P/B) ratio of 22.80x (TTM), at a market cap of $4.74B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 48.63%
- Gross Profit Margin TTM
- 98.87%
- Debt To Equity
- 1.75x
- P/S TTM
- 7.36x
- P/B TTM
- 22.80x
- Market Cap
- $4.74B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Dave Inc./DE in?
Dave Inc./DE (DAVE) operates in the Finance Services industry.
What is DAVE's market cap?
Dave Inc./DE (DAVE) has a market capitalization of $4.74B as of 2026-06-30.
What is DAVE's P/E ratio?
Dave Inc./DE (DAVE)'s trailing twelve month P/E ratio is 21.29x as of 2026-06-30.
What exchange does DAVE trade on?
Dave Inc./DE (DAVE) trades on the Nasdaq.