Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.
| Revenue (TTM) | $643.65M |
| Gross Profit (TTM) | $461.81M |
| EBITDA | $232.34M |
| Operating Margin | 33.00% |
| Return on Equity | 104.80% |
| Return on Assets | 31.00% |
| Revenue/Share (TTM) | $48.47 |
| Book Value | $16.30 |
| Price-to-Book | 21.69 |
| Price-to-Sales (TTM) | 7.31 |
| EV/Revenue | 7.03 |
| EV/EBITDA | 20.34 |
| Quarterly Earnings Growth (YoY) | -21.00% |
| Quarterly Revenue Growth (YoY) | 29.60% |
| Shares Outstanding | $11.44M |
| Float | $9.55M |
| % Insiders | 10.42% |
| % Institutions | 110.05% |
Volatility is currently expanding
DAVE INC (DAVE) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Sezzle and Dave scale digital finance through different growth engines, with product breadth, credit trends and monetization shaping the fintech face-off.
It was pitching itself to Americans who ran out of money a few days before payday. Then, four years ago, the stock collapsed, looking like another fintech casualty.
DAVE INC (DAVE) reported earnings 30 days ago. What's next for the stock?
Dave's larger ExtraCash advances and higher fee ceilings are likely to lift revenue per user as credit metrics improve, and 2026 guidance rises.
DAVE's Flex card broadens its credit offering with pay-in-four financing, higher spending limits and Mastercard acceptance as testing expands.
Dave and dLocal are profitable fintech growth stories, but their growth drivers, valuations and risk profiles differ sharply for investors now.
DAVE holds CAC at $19 as new members rise 32%, putting acquisition efficiency in focus as marketing spend climbs in the second half of 2026.
Dave's CashAI V6 aims to lift gross profit and average originations, building on rising ARPU, stronger ExtraCash engagement and controlled losses.
DAVE's Q2 revenues rise 30%, and EBITDA jumps 48%, but slowing growth triggers a pullback even as guidance, margins and credit trends improve.
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