Stocktoria
Dave Inc./DE DAVE
Nasdaq · XNAS · stock · Finance Services · website · IPO 2021-03-05
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $554.2M | $347.1M | $259.1M | $204.8M | $153.0M |
| Operating income | — | — | — | — | -$6.4M |
| Net income | $195.9M | $57.9M | -$48.5M | -$128.9M | -$5.3M |
| Operating cash flow | $290.0M | $125.1M | $33.8M | -$44.9M | -$2.1M |
| Free cash flow | $289.7M | $124.9M | $33.1M | -$45.6M | -$2.5M |
| Total assets | $487.4M | $299.3M | $294.0M | $321.5M | $147.2M |
| Total liabilities | $134.7M | $116.2M | $207.0M | $214.9M | $108.4M |
| Shareholders' equity | $352.7M | $183.1M | $87.1M | $106.6M | $38.7M |
| Ratios | |||||
| Operating margin | — | — | — | — | -4.2% |
| Net margin | 35.3% | 16.7% | -18.7% | -62.9% | -3.4% |
| FCF margin | 52.3% | 36.0% | 12.8% | -22.3% | -1.6% |
| Return on assets | 40.2% | 19.3% | -16.5% | -40.1% | -3.6% |
| Return on equity | 55.5% | 31.6% | -55.7% | -121.0% | -13.6% |
| Debt / equity | 0.00× | 0.41× | 0.86× | 0.70× | 0.90× |
| Current ratio | 3.83 | 8.05 | 10.81 | 8.47 | 1.46 |
| Revenue growth | 59.7% | 34.0% | 26.5% | 33.9% | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 431,800 | $75.2M |
| Point72 Asset Management, L.P. | 29,600 | $5.2M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001841408 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.