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 | 20.53 |
| Price-to-Sales (TTM) | 6.63 |
| EV/Revenue | 6.65 |
| EV/EBITDA | 19.25 |
| Quarterly Earnings Growth (YoY) | -21.00% |
| Quarterly Revenue Growth (YoY) | 29.60% |
| Shares Outstanding | $11.44M |
| Float | $9.45M |
| % Insiders | 10.80% |
| % Institutions | 110.64% |
Volatility is currently expanding
DAVE's Q2 revenues rise 30%, and EBITDA jumps 48%, but slowing growth triggers a pullback even as guidance, margins and credit trends improve.
Dave raises its 2026 outlook as CashAI v6, higher ExtraCash limits and heavier marketing fuel growth, while credit losses and margins improve.
Dave Inc. (DAVE) Q2 2026 Earnings Call Transcript
Q2 Revenue Grows 30% Y/Y to $170.8 Million Driven by Continued MTM Growth and ARPU Expansion 28-DPD Rate Improves 14 Basis Points Y/Y to 2.12%, While ExtraCash Originations Grew 27% Y/Y to $2.3 Billion Net Income of $6.7 Million Includes $36.9 Million of Non-Cash Warrant and Earnout Remeasurement Charges Adj. EBITDA Increases 48% Y/Y to $75.5 Million, Representing a 44% Margin Raises 2026 Revenue, Adj.
DAVE heads into Q2 earnings with beat potential as ExtraCash demand, fee changes and credit gains support growth, though valuation and spending are likely to have tempered the setup.
Dave's focused model, 44% adjusted EBITDA margin and improving credit results make it the cleaner AI fintech choice for 2026 despite a richer valuation.
DUOL, DAVE, TRI and COHR are set to stand out this earnings season, each displaying solid growth estimates and robust momentum across the business services sector.
DAVE INC (DAVE) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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Coastal Financial Corporation is rated a buy, leveraging a scalable Banking-as-a-Service (BaaS) model with 20+ fintech partners and accelerating fee-based growth. CCB's BaaS segment is driving over 30% net revenue growth, with management signaling continued expansion and disciplined partner onboarding. I assign CCB a $110 price target (19x PE, 0.7x PEG), reflecting its lower-risk, diversified fintech service profile and potential for 30%+ EPS growth.
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