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Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $554M | $182M | $196M | $283M | 55.5% | 59.7% | 238.4% |
| 2024 | $347M | $76M | $58M | $118M | 31.6% | 34.0% | -219.3% |
| 2023 | $259M | $-31M | $-49M | $25M | -55.7% | 26.5% | -62.4% |
| 2022 | $205M | $-113M | $-129M | $-54M | -121.0% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 554.18 |
| Operating Revenue | 554.18 |
| Cost Of Revenue | 73.78 |
| Gross Profit | 480.40 |
| Operating Expense | 293.78 |
| Selling General And Administration | 169.34 |
| Total Expenses | 367.56 |
| Operating Income | 186.62 |
| Total Operating Income As Reported | - |
| EBITDA | 182.20 |
| Normalized EBITDA | 195.35 |
| EBIT | 175.07 |
| Interest Income | 1.60 |
| Interest Expense | 7.04 |
| Net Interest Income | -5.45 |
| Other Income Expense | -13.15 |
| Interest Income Non Operating | 1.60 |
| Interest Expense Non Operating | 7.04 |
| Net Non Operating Interest Income Expense | -5.45 |
| Pretax Income | 168.03 |
| Tax Provision | -27.84 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -2.76 |
| Net Income Continuous Operations | 195.86 |
| Net Income From Continuing And Discontinued Operation | 195.86 |
| Net Income From Continuing Operation Net Minority Interest | 195.86 |
| Net Income | 195.86 |
| Net Income Common Stockholders | 195.86 |
| Net Income Including Noncontrolling Interests | 195.86 |
| Normalized Income | 206.25 |
| Diluted NI Availto Com Stockholders | 195.86 |
| Basic Average Shares | 13.37 |
| Diluted Average Shares | 14.48 |
| Reconciled Depreciation | 7.13 |
| Reconciled Cost Of Revenue | 73.78 |
| Total Unusual Items | -13.15 |
| Total Unusual Items Excluding Goodwill | -13.15 |
| Special Income Charges | -3.28 |
| Other Special Charges | - |
| Restructuring And Mergern Acquisition | 3.28 |
| Gain On Sale Of Security | -9.86 |
| General And Administrative Expense | 103.35 |
| Other Gand A | - |
| Salaries And Wages | 103.35 |
| Total Other Finance Cost | - |
| Other Operating Expenses | 33.40 |
| Provision For Doubtful Accounts | 91.04 |
| Selling And Marketing Expense | 65.99 |
| Otherunder Preferred Stock Dividend | - |
| Average Dilution Earnings | - |
Technology sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Dave Inc.this co. | DAVE | $3.3B | 16.99 | 9.43 | 55.5% | 18.23 |
| SoundHound AI, Inc. | SOUN | $3.5B | -247.50 | 7.47 | -3.0% | 113.33 |
| Webull Corporation | BULL | $3.2B | 130.96 | 3.19 | 2.4% | 49.51 |
| Tenable Holdings, Inc. | TENB | $3.2B | -89.43 | 9.90 | -11.1% | 72.86 |
| NextNav Inc. | NN | $3.2B | -17.01 | -37.32 |
| - |
| - |
| - |
| - |
| 219.5% |
| -55.41 |
| Ambarella, Inc. | AMBA | $3.2B | - | 5.31 | -12.8% | - |
| Bel Fuse Inc. | BELFA | $3.1B | 51.01 | 7.38 | 14.5% | 24.22 |
| Fastly, Inc. | FSLY | $3.1B | -25.61 | 3.35 | -13.1% | -117.52 |
| Ouster, Inc. | OUST | $3.0B | - | 11.46 | -23.1% | - |
| Peer Median | - | -21.31 | 6.35 | -7.0% | 36.86 | |