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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| DAVE | +417.13% | N/A | N/A | -28% |
| S&P | +15.06% | +95.03% | +14.29% | +61% |
Dave, Inc. is a digital banking service. Its products include a budgeting tool to help members manage their upcoming bills to avoid overspending, cash advances through its flagship ExtraCash product to help members avoid punitive overdraft fees, a Side Hustle product, where Dave helps connect members with supplemental work opportunities, and Dave Banking, a modern checking account experience with valuable tools for building long-term financial health. The company was founded by Jason Wilk, Paras Chitrakar, and John Wolanin in October 2015 and is headquartered in Los Angeles, CA.
SoFi has been crushing it this year, but here's another fintech company that is worthy of discussion.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $131.76M | 64.5% |
| Gross Profit | $90.93M | 90.2% |
| Gross Margin | 69.01% | 9.3% |
| Market Cap | $3.58B | 854.1% |
| Market Cap / Employee | $13.07M | 0.0% |
| Employees | 274 | -3.9% |
| Net Income | $9.04M | 42.2% |
| EBITDA | $42.70M | 474.3% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $61.69M | 26.9% |
| Accounts Receivable | $225.66M | 76.6% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $75.17M | -0.3% |
| Short Term Debt | $0.21M | -35.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 18.05% | 7.5% |
| Return On Invested Capital | -16.94% | 13.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $68.11M | 144.0% |
| Operating Free Cash Flow | $68.24M | 143.3% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 12.82 | 20.38 | 22.74 | 70.89 | 385.67% |
| Price to Book | 3.56 | 7.09 | 5.88 | 17.88 | 509.28% |
| Price to Sales | 1.74 | 3.61 | 3.17 | 9.02 | 543.44% |
| Price to Tangible Book Value | 3.94 | 7.79 | 6.35 | 19.20 | 485.62% |
| Price to Free Cash Flow TTM | 5.63 | 10.04 | 7.98 | 20.35 | 282.62% |
| Enterprise Value to EBITDA | 126.98 | 53.19 | 32.66 | 90.84 | 69.67% |
| Free Cash Flow Yield | 17.7% | 10.0% | 12.5% | 4.9% | -73.86% |
| Return on Equity | 35.1% | 42.8% | 32.1% | 30.7% | 20.69% |
| Total Debt | $75.63M | $75.55M | $75.47M | $75.38M | -0.42% |
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