Stocktoria

Dave Inc./DE DAVE

Nasdaq · stock · Finance Services · website · IPO 2021-03-05

Dave Inc./DE statistics & valuation

Market cap$4.4B
P / E22.6×
P / S8.0×
P / B12.6×
P / FCF15.3×
Net margin35.3%
Return on equity55.5%
FCF margin52.3%
Net cash$80.5M
Enterprise value USD$4.4B
Graham number -72.8%$86.11

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($86.11); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
-3.40% -62.90% -18.70% 16.70% 35.30% 20212022202320242025
Gross margin (%)
20212022202320242025
Operating margin (%)
-4.20% 20212022202320242025
Return on equity (%)
-13.60% -121.00% -55.70% 31.60% 55.50% 20212022202320242025
Shares outstanding
4.3M 11.6M 11.9M 13.8M 14.5M 20212022202320242025
Net debt ($)
$3.0M $52.1M $33.2M $25.3M -$80.5M 20212022202320242025
Share buybacks ($)
20212022202320242025
Return on assets (%)
-3.60% -40.10% -16.50% 19.30% 40.20% 20212022202320242025
Free cash flow margin (%)
-1.60% -22.30% 12.80% 36.00% 52.30% 20212022202320242025
Debt / equity (×)
0.90× 0.70× 0.86× 0.41× 0.00× 20212022202320242025
EPS ($)
-$4.69 -$11.12 -$4.07 $4.19 $13.53 20212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021
Operating margin————-4.2%
Net margin35.3%16.7%-18.7%-62.9%-3.4%
FCF margin52.3%36.0%12.8%-22.3%-1.6%
Return on assets40.2%19.3%-16.5%-40.1%-3.6%
Return on equity55.5%31.6%-55.7%-121.0%-13.6%
Debt / equity0.00×0.41×0.86×0.70×0.90×
Current ratio3.838.0510.818.471.46

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.