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Dave Inc. logo

Dave Inc.

DAVE

NASDAQTechnologySoftware - Application

Open in GoAI

Previous close

$354.72

+$19.71 · +5.88%

Aug 21, 4:00 PM ET

Pre-market

$352.99

−$1.73 · -0.49%

Aug 24, 4:47 AM ET

DAVE company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

86

Deep Value

Momentum

69

Gaining

Sentiment

58

Mixed

Risk resilience

37

High Risk

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Company profile

Company website

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.

Industry
Software - Application
Sector
Technology
Headquarters
US
CEO
Jason Wilk
Listed since
Apr 26, 2021
Employees
280

Market position

Day range

Current $354.72

52-week range

Current $354.72

Open
$336.73
Previous close
$335.01
Volume
355.21K
0.64× average
Average volume
557.46K
Average daily volume
Market cap
4.77B USD
Beta
3.86
Market reference 1
50-day average
$365.98
-3.08% below average
200-day average
$253
+40.20% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
21.42×
P/B (TTM)
21.7×
P/S (TTM)
7.41×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
83.29%
Operating margin
34.52%
Net margin
34.59%

Financial health

Debt / equity
1.29×
Altman Z-score
11.77
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%41%-20%-81%Gross margin, FY2021: 84.67%Gross margin, FY2022: 84.40%Gross margin, FY2023: 76.30%Gross margin, FY2024: 81.24%Gross margin, FY2025: 86.69%Operating margin, FY2021: -4.17%Operating margin, FY2022: -65.61%Operating margin, FY2023: -16.29%Operating margin, FY2024: 9.97%Operating margin, FY2025: 33.68%Net margin, FY2021: -13.07%Net margin, FY2022: -62.93%Net margin, FY2023: -18.73%Net margin, FY2024: 16.67%Net margin, FY2025: 35.34%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 84.67%. Gross margin FY2022 84.40%. Gross margin FY2023 76.30%. Gross margin FY2024 81.24%. Gross margin FY2025 86.69%. Operating margin FY2021 -4.17%. Operating margin FY2022 -65.61%. Operating margin FY2023 -16.29%. Operating margin FY2024 9.97%. Operating margin FY2025 33.68%. Net margin FY2021 -13.07%. Net margin FY2022 -62.93%. Net margin FY2023 -18.73%. Net margin FY2024 16.67%. Net margin FY2025 35.34%.

Income trends

Revenue

554.18M USD+59.67%

Operating income

186.62M USD+439.20%

Net income

195.87M USD+238.44%
Income trends across reported periods623.04M USD347.61M USD72.18M USD−203.25M USDRevenue, FY2021: 153.01M USDRevenue, FY2022: 204.84M USDRevenue, FY2023: 259.09M USDRevenue, FY2024: 347.08M USDRevenue, FY2025: 554.18M USDOperating income, FY2021: −6.38M USDOperating income, FY2022: −134.4M USDOperating income, FY2023: −42.2M USDOperating income, FY2024: 34.61M USDOperating income, FY2025: 186.62M USDNet income, FY2021: −19.99M USDNet income, FY2022: −128.91M USDNet income, FY2023: −48.52M USDNet income, FY2024: 57.87M USDNet income, FY2025: 195.87M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 153.01M USD. Revenue FY2022 204.84M USD. Revenue FY2023 259.09M USD. Revenue FY2024 347.08M USD. Revenue FY2025 554.18M USD. Operating income FY2021 −6.38M USD. Operating income FY2022 −134.4M USD. Operating income FY2023 −42.2M USD. Operating income FY2024 34.61M USD. Operating income FY2025 186.62M USD. Net income FY2021 −19.99M USD. Net income FY2022 −128.91M USD. Net income FY2023 −48.52M USD. Net income FY2024 57.87M USD. Net income FY2025 195.87M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue554.18M USD347.08M USD259.09M USD204.84M USD153.01M USD
Cost of goods sold73.78M USD65.1M USD61.39M USD31.95M USD23.46M USD
Gross profit480.4M USD281.98M USD197.7M USD172.89M USD129.55M USD
Selling, general, and administrative169.34M USD159.21M USD149.97M USD172.47M USD101M USD
Operating expenses293.78M USD247.37M USD239.9M USD307.29M USD135.93M USD
Interest income1.6M USD2.98M USD5.3M USD2.95M USD287K USD
Interest expense7.04M USD7.99M USD11.77M USD9.2M USD2.55M USD
Depreciation and amortization7.13M USD7.68M USD5.54M USD7.13M USD3.06M USD
Operating income186.62M USD34.61M USD−42.2M USD−134.4M USD−6.38M USD
Net income195.87M USD57.87M USD−48.52M USD−128.91M USD−19.99M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

13 ratings
Strong buy00%
Buy1185%
Hold215%
Sell00%
Strong sell00%

Recent analyst actions

11 institutions
Evercore ISI GroupmaintainIn Line
UBSmaintainBuy

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ETFs holding DAVE

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
215.56M
Weight
0.19%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
128.64M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
87.89M
Weight
0.11%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
44.55M
Weight
0.05%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares S&P Small-Cap 600 Growth ETF logoiShares S&P Small-Cap 600 Growth ETFIJT
Market value
32.78M
Weight
0.39%
AUM
8.22B USD
Expense ratio
0.18%
Price / 1D
$173.9+0.61%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
32.65M
Weight
0.19%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
32.04M
Weight
0.21%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
21.47M
Weight
0.12%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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