Zacks Investment Research·4 days ago
5 Reasons to Add Dave Stock to Your Portfolio Right NowDAVE's rising member value, disciplined underwriting and Coastal Community Bank transition add momentum to its 2026 growth setup.
Dave Inc.(DAVE)Earnings, Financials & Key Ratios
DAVE•NASDAQ
$383.96
28.4× P/E·Price updated Jul 7, 2026
AboutDave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.Show more
- Revenue$512M+47.5%
- EBITDA$48M+13.8%
- Net Income$196M+238.4%
- EPS (Diluted)13.53+222.9%
- Gross Margin79.81%-12.5%
- EBITDA Margin9.4%-22.8%
- Operating Margin8.01%-19.7%
- Net Margin38.26%+129.5%
- ROE73.11%+70.6%
DAVE Price & Volume
Dave Inc. (DAVE) stock price & volume — 10-year historical chart
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Rapid Revenue Scaling Masks Regulatory Revenue Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regulatory revenue model vulnerability
Key Thesis Takeaways
- Dave Inc.
- has demonstrated impressive growth with revenue reaching $147.6 million in 2026Q1, supported by a highly efficient, low-capital-intensity business model that has successfully turned retained earnings positive at $101.4 million.
- However, the reliance on voluntary tips and fees for revenue creates significant regulatory vulnerability that could disrupt the current 39.3% net margin profile.
- Investors should carefully weigh the company's aggressive $186.7 million share repurchase program against the potential for future credit provisioning costs and regulatory reclassification of its core lending products.
Verdict Logic
while the company maintains a strong current ratio of 3.86 and significant cash-generating capabilities, the potential for regulatory intervention regarding its revenue model poses a material risk that offsets the current 21.89 forward P/E valuation.
DAVE Growth Metrics
Dave Inc. (DAVE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years33.26%
3 Years35.7%
TTM44.59%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM329.14%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM321.02%
Return on Capital
10 Years-11.66%
5 Years-14.61%
3 Years3.53%
Last Year12.86%
DAVE Recent Earnings
Dave Inc. (DAVE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$4.02+52.3%
$2.64
Rev
$158M+4.2%
$152M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$3.69+11.5%
$3.31
Rev
$164M+2.0%
$161M
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$4.24+85.2%
$2.29
Rev
$151M-1.5%
$153M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$3.14+65.3%
$1.90
Rev
$132M-0.6%
$133M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $4.02vs $2.64+52.3% | $158Mvs $152M+4.2% |
| Q2 2026 | Mar 2, 2026 | $3.69vs $3.31+11.5% | $164Mvs $161M+2.0% |
| Q4 2025 | Nov 4, 2025 | $4.24vs $2.29+85.2% | $151Mvs $153M-1.5% |
| Q3 2025 | Aug 6, 2025 | $3.14vs $1.90+65.3% | $132Mvs $133M-0.6% |
Based on last 12 quarters of dataView full earnings history →
Latest DAVE News
Recent stock market news and headlines for Dave Inc. (DAVE)
Accesswire·6 days ago
Champion Safe and Dave Kindig Ignite New Ultra-Premium Custom Safe Collaboration Built on American Steel, Bold Design, and Unmistakable CraftsmanshipChampion Safe, American Rebel, and Kindig-It Design unite to create a powerful new category of high-end custom safes inspired by hot-rod attitude, patriotic pride, and world-class American craftsmanship PROVO, UT / ACCESS Newswire / July 1, 2026 / Champion Safe Company ( championsafe.com ), a premier manufacturer of high-security safes and vault doors, and a proud subsidiary of American Rebel Holdings, Inc. (OTCID:AREB), America's Patriotic Brand™, today announced a bold new collaboration with renowned custom automotive designer Dave Kindig and his team at Kindig-It Design to develop a distinctive line of ultra-premium custom safes that combine serious protection with show-stopping visual impact. Rooted in American steel, American craftsmanship, and unapologetic design attitude, the collaboration brings together Champion's reputation for elite security and fire protection with Dave Kindig's celebrated ability to transform metal, color, and form into unforgettable statement pieces.
Zacks Investment Research·Jun 30, 2026
Dave Stock Outlook as CashAI and ExtraCash Fuel 2026 MomentumDAVE enters 2026 with ExtraCash scaling, CashAI upgrades and a Coastal funding shift that may free liquidity and lift capital efficiency.
Zacks Investment Research·Jun 30, 2026
Dave Stock and the Fintech Shift to AI-Led Small-Dollar Credit ModelsDave's ExtraCash demand, AI-led underwriting and Coastal funding shift position it within fintech's move toward faster, capital-efficient credit.
Zacks Investment Research·Jun 30, 2026
Is DAVE Stock Still Worth Buying After Its Run and Raised OutlookDAVE's rally is backed by raised guidance and earnings momentum, but valuation and execution risks make fresh buying a more selective call.
Peers Comparison
Key metrics vs top competitors for Dave Inc. (DAVE)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $383.96 | $5.16B | 28.38 | 47.49% | 38.26% | 73.11% | — | |
| $0.87 | $21.05M | -2.21 | 9.18% | 10.86% | 9.73% | — | |
| $237.00 | $5.91B | 20.47 | 18.58% | 9.95% | 24.88% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — | |
| $33.06 | $3.16B | 73.47 | 58.87% | 4.25% | 6.59% | — |
Compare DAVE vs Peers
Dave Inc. (DAVE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
DAVE SEC Filings & Documents
Dave Inc. (DAVE) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Mar 9, 2026·SEC
Material company update
Mar 6, 2026·SEC
10-K Annual Reports
410-Q Quarterly Reports
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DAVE Frequently Asked Questions
Dave Inc. (DAVE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Dave Inc.'s revenue?
Dave Inc. (DAVE) reported $551.5M in revenue for fiscal year 2025. This represents a 624% increase from $76.2M in 2019.
How fast is Dave Inc. growing?
Dave Inc. (DAVE) grew revenue by 47.5% over the past year. This is strong growth.
Is DAVE profitable?
Yes, Dave Inc. (DAVE) is profitable, generating $225.0M in net income for fiscal year 2025 (38.3% net margin).
Dividend & Returns
What is DAVE's return on equity?
Dave Inc. (DAVE) has a return on equity (ROE) of 73.1%. This is excellent, indicating efficient use of shareholder capital.
What is Dave Inc.'s free cash flow?
Dave Inc. (DAVE) generated $326.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.