DAVE - NASDAQ
Dave Inc.
$249.33
+1.3%Dave 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.
At a Glance
Live SnapshotDave Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Dave Inc. Income Statement
DAVE • NASDAQ
| Dave Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
REVENUE | |||||||
511.9M | 347.1M | 259.1M | 204.8M | 153M | 121.8M | 76.2M | |
GROSS PROFIT | |||||||
(103.4M) | (30.4M) | (28.9M) | (31.9M) | (23.5M) | (21.6M) | (15.2M) | |
408.6M | 316.7M | 230.2M | 172.9M | 129.6M | 100.2M | 61M | |
OPERATING INCOME | |||||||
(367.6M) | (282.1M) | (272.4M) | (307.3M) | (135.9M) | (100.2M) | (61M) | |
(0.0) | (151.9M) | (143.3M) | (172.5M) | (101M) | (60.2M) | (32.2M) | |
41M | 34.6M | -42.2M | -134.4M | -6.4M | 0.0 | 1.8M | |
PRE-TAX INCOME | |||||||
(7M) | (8M) | (11.8M) | (9.2M) | (2.5M) | (17K) | (852K) | |
-5.4M | -5M | -6.5M | -6.2M | -2.3M | -964K | -423K | |
(367.6M) | (130.2M) | (129.1M) | (134.8M) | (34.9M) | (39.9M) | (28.8M) | |
127M | 25.7M | -6.2M | 5.4M | -13.5M | -6.8M | -445K | |
168M | 60.4M | -48.4M | -129M | -19.9M | -6.8M | 1.3M | |
NET INCOME | |||||||
-27.8M | (2.5M) | (120K) | -67K | (97K) | (145K) | (545K) | |
195.9M | 57.9M | -48.5M | -128.9M | -20M | -7M | 787K |
SEC Filings
DAVE - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 02, 2026 | June 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 09, 2026 | March 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 06, 2026 | March 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 03, 2026 | March 03, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 02, 2026 | February 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 02, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 |
Related Guides
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.