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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›DAVEW

DAVEW

Dave Inc./DE

Last earnings +53.2% on 2026-05-05

Buy
$2.30
▲ +17.94%
$2.30▲ +105.33%
over 1Y
L $0.24EODHDH $2.30
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+17.9%
1W+65.5%
1M+274.8%
3M+274.8%
YTD+144.7%
1Y+105.3%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Buy
Quality
A
Valuation
Undervalued
Filings
Watch
Buy
Conviction
Horizon
Medium (3–12mo)

Revenue grew 59.7% YoY.

Revenue (FY2025) $554M · FY2025

The read

Quality fundamentals and an attractive price line up (~22255% below fair value) — the rarer case where both the business and the entry look good.

Dave Inc./DE shows $554M in FY2025 revenue (+59.7% YoY), a 35.3% net margin, and 55.5% ROE.

Supporting the case: revenue grew 59.7% YoY; strong net margin (35.3%); high return on equity (55.5%); conservative balance sheet (liabilities/equity 0.38x); undemanding valuation (P/E 0.2).

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue$153M$205M$259M$347M$554M
Gross profit—————
Operating income-$6.38M————
Net income-$20.0M-$129M-$48.5M$57.9M$196M
Diluted EPS-$4.69-$11.12-$4.07$4.19$13.53
Net margin-13.1%-62.9%-18.7%16.7%35.3%

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value-$49.8M
EV / EBITDA-66.0
EV / Sales-0.1
EV / FCF-0.2
P / FCF0.1
PEG (trailing)0.00
Earnings yield637.2%
FCF yield942.4%

Quality & risk

ROIC (est.)-1.4%
Free cash flow$290M
Total debt$0.00
Net cash$80.5M
Altman Z-Score2.15 grey
Piotroski F-Score5/8

Capital returns

Buyback yield142.3%
Dividend yield (est.)—
Shareholder yield142.3%
Shares Δ YoY+6.8%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Shareholder vote2026-06-02
  2. 8-K Earnings results2026-05-05
  3. 10-Q Quarterly report2026-05-05
  4. DEF 14A Proxy statement2026-04-20
  5. 8-K Material agreement2026-03-09
  6. 8-K Material agreement2026-03-06
  7. 8-K Other event2026-03-03
  8. 8-K Officer / director change2026-03-02
  9. 10-K Annual report2026-03-02

Recent filings

all on EDGAR ↗
4Period ending 2026-06-052026-06-09open ↗4Period ending 2026-06-042026-06-08open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗144Filing2026-06-04open ↗144Filing2026-06-04open ↗SCHEDULE 13G/AFiling2026-06-04open ↗

Quality score

A
ValueGrowthProfitHealthMom.
ValueA+
GrowthA+
ProfitabilityB-
Financial healthA-
MomentumA+
  • ✓Revenue growing year-over-year
  • ✓Profitable (positive net income)
  • ✓Net margin above 10%
  • ✓Return on equity above 15%
  • ✓Liabilities below 2× equity
  • ✓P/E below 25

Fair value est.

$514.14

Undervalued +22255% vs price

cheapfair valueexpensive

Modified Graham: EPS $13.53 × (8.5 + 1.5 × 22.0% growth) × 1.16 quality = 38.0× multiple. An estimate, not a price target.

0.2452-week2.30
Revenue
$554M
+59.7% YoY
Net margin
35.3%
ROE
55.5%
P/E
0.2

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Revenue$554M+59.7%
Net income$196M+238.4%
Operating income-$6.38M
Diluted EPS$13.53+222.9%
Cash & equivalents$80.5M+62.0%
Total assets$487M+62.8%
Total liabilities$135M+15.9%
Stockholders' equity$353M+92.6%
Op.: -1.2%L/E: 0.38x

Frequently asked

Is Dave Inc./DE (DAVEW) a buy?
DAVEW currently carries a Buy rating with 5/5 conviction, derived from its latest SEC filings. Revenue grew 59.7% YoY.
What is DAVEW's fair value?
A Modified-Graham model based on DAVEW's SEC fundamentals estimates a fair value of about $514.14. It is an estimate from reported earnings, not a price target.
Is DAVEW overvalued or undervalued?
Against a Modified-Graham fair-value estimate, DAVEW currently appears undervalued relative to its SEC-grounded earnings power.
What is Dave Inc./DE's quality score?
DAVEW scores 86.56666666666666/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001841408, latest 10-Q filed 2026-05-05) · EODHD · as of 7/1/2026, 9:50:50 AM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC

Last 90 days: 0 open-market buys · 7 sales

2026-06-05
Rozov Yadin
Director
Gift2.20K
2026-06-05
Preston Dan
Director
Sell275.00 @ $259.83$71.5K
2026-06-04
Preston Dan
Director
Sell275.00 @ $247.65$68.1K
2026-06-02
Beilman Kyle
CFO and COO and Secretary
Sell49.00 @ $277.23$13.6K
2026-06-02
Beilman Kyle
CFO and COO and Secretary
Sell4.07K @ $275.00$1.12M
2026-06-02
Wilk Jason
Chief Executive Officer
Sell80.00 @ $277.49$22.2K
2026-06-02
Wilk Jason
Chief Executive Officer
Sell104.00 @ $276.55$28.8K
2026-06-02
Wilk Jason
Chief Executive Officer
Sell8.29K @ $275.01$2.28M
2026-06-02
POPE MICHAEL W
Director
Award637.00
2026-06-02
Khajehnouri Nima
Director
Award637.00
2026-06-02
Rozov Yadin
Director
Award637.00
2026-06-02
Preston Dan
Director
Award637.00

Earnings history

beat/miss · move
2026-05-05—▼ -11.33%8-K ↗
2026-03-02—▲ +5.26%8-K ↗
2025-11-04—▼ -2.18%8-K ↗
2025-08-06—▼ -25.27%8-K ↗
2025-05-08—▲ +66.23%8-K ↗
2025-03-03—▲ +13.36%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

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Vs tracked universe

compare →

1192 tracked peers · median

EDGAR Score87 vs 67
Revenue growth59.7% vs 7.5%
Net margin35.3% vs 10.0%
Return on equity55.5% vs 12.0%
P/E0.2 vs 25.7