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Dave Inc./DE

DAVE Clue Score79
United States Fiscal year ends December CIK 0001841408
$368.42 +4.25% Close, 9 Oct 2026
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Price $368.42 +3,606.44% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 26 Apr 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2021Revenue153.0Operating income−6.4Net income−5.3EPS, diluted−4.69Fiscal year 2022Revenue204.8 +33.9%Net income−128.9EPS, diluted−11.12Fiscal year 2023Revenue259.1 +26.5%Net income−48.5EPS, diluted−4.07Fiscal year 2024Revenue347.1 +34.0%Net income57.9EPS, diluted4.19Fiscal year 2025Revenue554.2 +59.7%Net income195.9 +238.4%EPS, diluted13.53
FY2021FY2022FY2023FY2024FY2025
Revenue 153.0 204.8 259.1 347.1 554.2
Growth +33.9% +26.5% +34.0% +59.7%
Operating income −6.4 n/a n/a n/a n/a
Net income −5.3 −128.9 −48.5 57.9 195.9
Growth +238.4%
EPS, diluted −4.69 −11.12 −4.07 4.19 13.53

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2021Operating margin−4.2%Net margin−3.4%Free cash flow margin−1.6%Fiscal year 2022Net margin−62.9%Free cash flow margin−22.3%Fiscal year 2023Net margin−18.7%Free cash flow margin12.8%Fiscal year 2024Net margin16.7%Free cash flow margin36.0%Fiscal year 2025Net margin35.3%Free cash flow margin52.3%
FY2021FY2022FY2023FY2024FY2025
Operating margin −4.2% n/a n/a n/a n/a
Net margin −3.4% −62.9% −18.7% 16.7% 35.3%
Free cash flow margin −1.6% −22.3% 12.8% 36.0% 52.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2021Operating cash flow−2.1Capital expenditure−0.4Free cash flow−2.5Buybacks0.0Fiscal year 2022Operating cash flow−44.9Capital expenditure−0.7Free cash flow−45.6Buybacks−0.5Fiscal year 2023Operating cash flow33.8Capital expenditure−0.7Free cash flow33.1Buybacks0.0Fiscal year 2024Operating cash flow125.1Capital expenditure−0.3Free cash flow124.9 +277.7%Buybacks0.0Fiscal year 2025Operating cash flow290.0Capital expenditure−0.3Free cash flow289.7 +132.0%Buybacks−43.7
FY2021FY2022FY2023FY2024FY2025
Operating cash flow −2.1 −44.9 33.8 125.1 290.0
Capital expenditure −0.4 −0.7 −0.7 −0.3 −0.3
Free cash flow −2.5 −45.6 33.1 124.9 289.7
Growth +277.7% +132.0%
Buybacks 0.0 −0.5 0.0 0.0 −43.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2021Cash32.0Total debt35.0Net cash (debt)−3.0Shareholders’ equity38.7Debt to equity0.90Fiscal year 2022Cash22.9Total debt75.0Net cash (debt)−52.1Shareholders’ equity106.6Debt to equity0.70Fiscal year 2023Cash41.8Total debt75.0Net cash (debt)−33.2Shareholders’ equity87.1Debt to equity0.86Fiscal year 2024Cash49.7Total debt75.0Net cash (debt)−25.3Shareholders’ equity183.1Debt to equity0.41Fiscal year 2025Cash80.5Total debt0.0Net cash (debt)80.5Shareholders’ equity352.7Debt to equity0.00
FY2021FY2022FY2023FY2024FY2025
Cash 32.0 22.9 41.8 49.7 80.5
Total debt 35.0 75.0 75.0 75.0 0.0
Net cash (debt) −3.0 −52.1 −33.2 −25.3 80.5
Shareholders’ equity 38.7 106.6 87.1 183.1 352.7
Debt to equity 0.90 0.70 0.86 0.41 0.00

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
−4.2% n/a n/a n/a n/a
−13.0% −63.0% −18.7% 17.4% 30.3%
−3.4% −62.9% −18.7% 16.7% 35.3%
−1.6% −22.3% 12.8% 36.0% 52.3%
Spending
0.2% 0.4% 0.3% 0.1% 0.1%
n/a n/a n/a 4.1% −16.6%
Returns
−13.6% −121.0% −55.7% 31.6% 55.5%
−3.6% −40.1% −16.5% 19.3% 40.2%
Balance and payout
0.90 0.70 0.86 0.41 0.00
73.7% 66.9% 70.4% 38.8% 27.6%
n/a n/a 0.0% 0.0% 15.1%