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Dave (DAVEW) Financials

Dave logo
$0.87 -0.19 (-18.21%)
Closing price 03:59 PM Eastern
Extended Trading
$0.85 -0.02 (-1.96%)
As of 04:02 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Dave

Annual Income Statements for Dave

This table shows Dave's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -20 -116 -49 58 196
Consolidated Net Income / (Loss)		 -20 -129 -49 58 196
Net Income / (Loss) Continuing Operations		 -20 -116 -49 58 196
Total Pre-Tax Income 		-20 -129 -48 60 168
Total Operating Income		 -47 -134 -42 35 187
Total Gross Profit		 153 139 201 292 463
Total Revenue		 153 205 259 347 554
Operating Revenue		 153 205 259 347 554
Total Cost of Revenue		 0.00 66 58 55 91
Other Cost of Revenue		 - 66 58 55 91
Total Operating Expenses		 200 273 301 312 277
Selling, General & Admin Expense		 43 69 32 34 33
Marketing Expense		 51 69 57 53 66
Other Operating Expenses / (Income)		 105 135 155 171 177
Total Other Income / (Expense), net		 27 18 -6.20 26 -19
Interest Expense		 2.55 4.91 12 -25 7.04
Interest & Investment Income		 0.29 2.95 5.30 2.98 1.60
Other Income / (Expense), net		 29 20 0.28 -2.69 -13
Income Tax Expense		 0.10 -0.07 0.12 2.48 -28
Basic Earnings per Share		 ($4.69) ($11.12) ($4.07) $4.62 $14.65
Weighted Average Basic Shares Outstanding		 4.27M 11.59M 11.93M 12.52M 13.37M
Diluted Earnings per Share		 ($4.69) ($11.12) ($4.07) $4.19 $13.53
Weighted Average Diluted Shares Outstanding		 4.27M 11.59M 11.93M 13.82M 14.48M
Weighted Average Basic & Diluted Shares Outstanding		 6.24M 11.85M 12.24M 13.09M 13.56M

Quarterly Income Statements for Dave

This table shows Dave's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -23 -12 0.18 34 6.36 0.47 17 29 9.04 92 66
Consolidated Net Income / (Loss)		 -23 -12 0.18 34 6.36 0.47 17 29 9.04 92 66
Net Income / (Loss) Continuing Operations		 -23 -12 0.18 34 6.36 0.47 17 29 9.04 92 66
Total Pre-Tax Income 		-23 -12 0.28 37 4.58 0.84 17 34 12 58 64
Total Operating Income		 -21 -11 1.77 5.40 5.67 2.55 21 35 41 46 64
Total Gross Profit		 45 50 59 64 66 79 84 97 106 121 138
Total Revenue		 61 66 73 74 80 92 101 108 132 151 164
Operating Revenue		 61 66 73 74 80 92 101 108 132 151 164
Total Cost of Revenue		 16 16 15 9.94 14 14 17 11 25 30 25
Other Cost of Revenue		 16 16 15 9.94 14 14 17 11 25 30 25
Total Operating Expenses		 66 76 87 68 60 90 94 73 65 75 63
Selling, General & Admin Expense		 20 16 16 17 6.15 13 17 17 6.20 11 -1.36
Marketing Expense		 15 14 10 9.10 13 15 13 10 15 19 21
Other Operating Expenses / (Income)		 31 30 31 32 41 48 33 35 44 45 54
Total Other Income / (Expense), net		 -1.69 -1.47 -1.50 32 -1.09 -1.71 -3.50 -1.28 -30 13 -0.27
Interest Expense		 3.03 3.06 2.79 -31 1.97 1.96 1.84 1.76 1.78 1.79 1.72
Interest & Investment Income		 1.49 1.33 1.29 1.50 0.54 0.44 0.51 0.43 0.59 0.29 0.28
Other Income / (Expense), net		 -0.15 0.26 0.01 -0.67 0.34 -0.19 -2.17 0.05 -28 14 1.16
Income Tax Expense		 0.01 0.01 0.10 3.20 -1.78 0.37 0.69 5.06 2.47 -34 -1.72
Basic Earnings per Share		 ($1.90) ($1.01) $0.01 $2.80 $0.51 $0.04 $1.34 $2.19 $0.68 $6.84 $4.94
Weighted Average Basic Shares Outstanding		 11.88M 11.96M 11.93M 12.22M 12.42M 12.64M 12.52M 13.13M 13.36M 13.46M 13.37M
Diluted Earnings per Share		 ($1.90) ($1.01) $0.01 $2.60 $0.47 $0.03 $1.34 $1.97 $0.62 $6.34 $4.60
Weighted Average Diluted Shares Outstanding		 11.88M 11.96M 11.93M 13.18M 13.54M 13.93M 13.82M 14.65M 14.55M 14.53M 14.48M
Weighted Average Basic & Diluted Shares Outstanding		 11.98M 12.10M 12.24M 12.39M 12.67M 12.76M 13.09M 13.34M 13.50M 13.50M 13.56M

Annual Cash Flow Statements for Dave

This table details how cash moves in and out of Dave's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 27 -8.70 19 8.30 31
Net Cash From Operating Activities		 -0.54 -45 34 125 290
Net Cash From Continuing Operating Activities		 -0.57 -45 34 125 290
Net Income / (Loss) Continuing Operations		 -20 -129 -49 58 196
Consolidated Net Income / (Loss)		 -20 -129 -49 58 196
Depreciation Expense		 3.06 7.13 5.54 7.68 7.13
Non-Cash Adjustments To Reconcile Net Income		 8.22 86 88 61 134
Changes in Operating Assets and Liabilities, net		 8.15 -9.10 -11 -1.84 -47
Net Cash From Investing Activities		 -37 -286 -14 -46 -203
Net Cash From Continuing Investing Activities		 -37 -286 -14 -46 -203
Purchase of Property, Plant & Equipment		 -6.48 -9.31 -8.58 -7.56 -6.77
Purchase of Investments		 -0.01 -520 -154 -171 -190
Sale and/or Maturity of Investments		 9.44 358 212 244 190
Other Investing Activities, net		 -40 -114 -63 -111 -196
Net Cash From Financing Activities		 65 322 0.02 -71 -56
Net Cash From Continuing Financing Activities		 65 322 0.02 -71 -56
Repayment of Debt		 -3.91 -20 0.00 -72 0.00
Repurchase of Common Equity		 -2.75 -24 0.00 0.00 -44
Other Financing Activities, net		 1.71 225 0.02 1.27 -13
Cash Interest Paid		 1.99 5.68 8.63 7.65 6.93

Quarterly Cash Flow Statements for Dave

This table details how cash moves in and out of Dave's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -2.41 -5.34 -1.72 14 -6.93 -14 15 -2.72 15 -12 31
Net Cash From Operating Activities		 9.68 15 16 18 28 37 42 45 68 83 93
Net Cash From Continuing Operating Activities		 9.68 15 16 18 28 37 42 45 68 83 93
Net Income / (Loss) Continuing Operations		 -23 -12 0.18 34 6.36 0.47 17 29 9.04 92 66
Consolidated Net Income / (Loss)		 -23 -12 0.18 34 6.36 0.47 17 29 9.04 92 66
Depreciation Expense		 1.22 1.44 1.68 1.73 1.77 1.84 2.34 1.54 1.62 1.88 2.09
Non-Cash Adjustments To Reconcile Net Income		 23 23 22 -17 22 27 29 18 62 23 31
Changes in Operating Assets and Liabilities, net		 7.89 2.67 -7.90 -1.02 -1.80 7.38 -6.40 -3.22 -4.39 -34 -5.73
Net Cash From Investing Activities		 -12 -21 -17 66 -35 -51 -27 -28 -54 -70 -51
Net Cash From Continuing Investing Activities		 -12 -21 -17 66 -35 -51 -27 -28 -54 -70 -51
Purchase of Property, Plant & Equipment		 -2.45 -1.88 -2.04 -1.60 -2.31 -1.82 -1.83 -1.41 -1.86 -1.77 -1.74
Purchase of Investments		 -50 -38 -28 -80 -28 -26 -36 -38 -71 -61 -20
Sale and/or Maturity of Investments		 65 40 41 149 33 26 36 37 71 60 21
Other Investing Activities, net		 -25 -21 -29 -1.57 -37 -48 -24 -26 -52 -68 -50
Net Cash From Financing Activities		 0.00 0.02 0.02 -70 -0.45 0.06 -0.13 -20 0.42 -25 -12
Net Cash From Continuing Financing Activities		 0.00 0.02 0.02 -70 -0.45 0.06 -0.13 -20 0.42 -25 -12
Repurchase of Common Equity		 - - - 0.00 - - - -6.89 - -25 -12
Other Financing Activities, net		 0.00 0.02 0.02 0.52 0.31 0.06 0.37 -13 0.42 0.03 0.01
Cash Interest Paid		 1.49 - 5.02 1.93 1.95 1.95 1.82 1.73 1.76 1.76 1.68

Annual Balance Sheets for Dave

This table presents Dave's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 147 321 294 299 487
Total Current Assets		 100 309 277 282 437
Cash & Equivalents		 32 23 42 50 81
Short-Term Investments		 8.23 169 114 41 41
Note & Lease Receivable		 49 104 113 176 297
Prepaid Expenses		 4.44 12 7.96 16 18
Plant, Property, & Equipment, net		 0.69 1.03 1.12 0.70 0.47
Total Noncurrent Assets		 46 12 16 16 50
Long-Term Investments		 0.13 0.08 0.32 0.16 0.00
Noncurrent Note & Lease Receivables		 2.70 0.74 0.77 0.51 0.20
Intangible Assets		 7.85 10 13 14 14
Noncurrent Deferred & Refundable Income Taxes		 - - - 0.00 34
Other Noncurrent Operating Assets		 36 0.93 1.72 2.04 2.20
Total Liabilities & Shareholders' Equity		 147 321 294 299 487
Total Liabilities		 108 215 207 116 135
Total Current Liabilities		 69 36 26 35 114
Short-Term Debt		 36 0.00 - 0.00 75
Accounts Payable		 13 11 5.49 6.77 8.36
Accrued Expenses		 17 20 16 24 23
Other Current Liabilities		 3.07 4.58 4.16 4.48 8.10
Total Noncurrent Liabilities		 40 179 181 81 21
Long-Term Debt		 35 177 180 75 0.00
Other Noncurrent Operating Liabilities		 4.82 1.19 0.91 6.17 21
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 69 107 87 183 353
Total Preferred & Common Equity		 39 107 87 183 353
Preferred Stock		 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 69 107 87 183 353
Common Stock		 87 270 297 335 353
Retained Earnings		 -33 -162 -210 -152 43
Treasury Stock		 -0.01 0.00 - 0.00 -44
Accumulated Other Comprehensive Income / (Loss)		 0.00 -1.68 0.65 0.22 0.37

Quarterly Balance Sheets for Dave

This table presents Dave's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 359 334 305 296 294 236 247 272 316 364 433
Total Current Assets		 346 322 292 281 278 218 230 255 299 346 386
Cash & Equivalents		 26 39 52 49 44 56 49 35 47 62 50
Short-Term Investments		 230 185 143 128 126 44 40 40 41 41 42
Note & Lease Receivable		 76 88 80 89 97 105 128 166 195 226 268
Prepaid Expenses		 12 10 16 14 11 13 14 14 16 18 26
Plant, Property, & Equipment, net		 0.84 0.91 1.25 1.38 1.27 1.00 0.91 0.81 0.62 0.59 0.52
Total Noncurrent Assets		 12 11 13 14 15 16 17 17 16 17 47
Long-Term Investments		 0.10 0.09 0.06 0.04 0.36 0.28 0.24 0.20 0.12 0.08 0.04
Noncurrent Note & Lease Receivables		 1.81 0.80 0.67 - 0.54 0.71 0.65 0.58 0.43 0.36 0.28
Intangible Assets		 9.71 9.43 11 12 13 13 14 14 14 14 14
Noncurrent Deferred & Refundable Income Taxes		 - - - - - - - - - - 30
Other Noncurrent Operating Assets		 0.45 0.70 0.79 1.40 1.19 1.95 1.96 1.96 2.04 2.23 2.23
Total Liabilities & Shareholders' Equity		 359 334 305 296 294 236 247 272 316 364 433
Total Liabilities		 195 211 205 212 215 108 105 116 116 146 142
Total Current Liabilities		 57 63 26 32 35 29 26 37 35 36 44
Accounts Payable		 21 15 4.56 6.27 9.09 9.01 9.32 8.84 6.32 7.73 7.84
Accrued Expenses		 14 26 17 22 22 16 12 24 24 24 31
Other Current Liabilities		 2.09 2.82 4.45 4.20 3.95 4.47 4.70 4.29 4.36 4.25 5.13
Total Noncurrent Liabilities		 138 148 179 180 180 79 79 79 81 110 98
Long-Term Debt		 136 147 178 179 180 75 75 75 75 75 75
Other Noncurrent Operating Liabilities		 1.98 1.22 0.61 1.05 0.73 4.04 3.95 4.01 6.42 35 23
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 354 410 102 84 79 127 142 156 199 217 291
Total Preferred & Common Equity		 163 123 100 84 79 127 142 156 199 217 291
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 354 410 102 84 79 127 142 156 199 217 291
Common Stock		 259 267 277 283 290 303 311 325 330 339 346
Retained Earnings		 93 140 -176 -198 -210 -176 -170 -169 -124 -115 -23
Treasury Stock		 0.00 0.00 - - - - - - -6.96 -6.96 -32
Accumulated Other Comprehensive Income / (Loss)		 2.43 3.03 0.89 -0.87 -0.51 0.00 0.08 0.25 0.23 0.10 0.28

Annual Metrics And Ratios for Dave

This table displays calculated financial ratios and metrics derived from Dave's official financial filings.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - 13,504,082.00
DEI Adjusted Shares Outstanding		 - - - - 13,504,082.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - 14.50
Growth Metrics		 - - - - -
Profitability Metrics		 - - - - -
Net Operating Profit after Tax (NOPAT)		 -33 -94 -30 33 218
Return On Investment Capital (ROIC_SIMPLE)		 - - -11.04% 12.86% 50.86%
Earnings before Interest and Taxes (EBIT)		 -18 -114 -42 32 173
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -15 -107 -36 40 181
Valuation Ratios		 - - - - -
Leverage & Solvency		 - - - - -
Liquidity Ratios		 - - - - -
Cash Flow Metrics		 - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -117 -49 -23 79
Efficiency Ratios		 - - - - -
Capital & Investment Metrics		 - - - - -
Invested Capital		 69 92 111 168 306
Increase / (Decrease) in Invested Capital		 0.00 23 19 56 139
Book Value per Share		 $2.18 $0.28 $7.19 $14.35 $26.12
Tangible Book Value per Share		 $1.93 $0.25 $6.10 $13.28 $25.11
Total Capital		 140 284 268 258 428
Total Debt		 71 177 180 75 75
Total Long-Term Debt		 35 177 180 75 0.00
Net Debt		 30 -15 24 -15 -46
Capital Expenditures (CapEx)		 6.48 9.31 8.58 7.56 6.77
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 27 80 95 157 276
Debt-free Net Working Capital (DFNWC)		 67 272 251 247 398
Net Working Capital (NWC)		 32 272 251 247 323
Net Nonoperating Expense (NNE)		 -13 35 19 -25 22
Net Nonoperating Obligations (NNO)		 0.02 -15 24 -15 -46
Total Depreciation and Amortization (D&A)		 3.06 7.13 5.54 7.68 7.13
Earnings Adjustments		 - - - - -
Adjusted Basic Earnings per Share		 ($12.16) ($11.12) ($4.07) $4.62 $14.65
Adjusted Weighted Average Basic Shares Outstanding		 11.63M 11.59M 11.93M 12.52M 13.37M
Adjusted Diluted Earnings per Share		 ($12.16) ($11.12) ($4.07) $4.19 $13.53
Adjusted Weighted Average Diluted Shares Outstanding		 11.63M 11.59M 11.93M 13.82M 14.48M
Adjusted Basic & Diluted Earnings per Share		 ($12.16) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 875.84K 11.85M 12.24M 13.09M 13.56M
Normalized Net Operating Profit after Tax (NOPAT)		 -33 -94 -30 33 131
Debt Service Ratios		 - - - - -
Payout Ratios		 - - - - -

Quarterly Metrics And Ratios for Dave

This table displays calculated financial ratios and metrics derived from Dave's official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 13,504,082.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 13,504,082.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 4.88
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Net Operating Profit after Tax (NOPAT)		 -15 -7.40 1.15 4.94 7.88 1.42 20 30 32 72 66
Return On Investment Capital (ROIC_SIMPLE)		 - - 0.43% 2.44% - - 7.81% 10.89% 11.05% 19.74% 15.48%
Earnings before Interest and Taxes (EBIT)		 -21 -10 1.78 4.73 6.00 2.36 19 35 13 60 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -20 -8.88 3.46 6.46 7.77 4.20 21 37 14 62 68
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -38 -30 -18 -14 -35 -65 -36 -54 -28 -47 -73
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 85 89 111 102 128 156 168 186 189 275 306
Increase / (Decrease) in Invested Capital		 23 23 19 19 43 67 56 84 61 119 139
Book Value per Share		 $7.06 $6.61 $7.19 $10.40 $11.44 $12.30 $14.35 $15.23 $16.27 $21.58 $26.12
Tangible Book Value per Share		 $6.04 $5.55 $6.10 $9.31 $10.32 $11.19 $13.28 $14.19 $15.23 $20.55 $25.11
Total Capital		 263 259 268 202 217 231 258 274 292 366 428
Total Debt		 179 180 180 75 75 75 75 75 75 75 75
Total Long-Term Debt		 179 180 180 75 75 75 75 75 75 75 0.00
Net Debt		 1.15 9.47 24 -25 -13 -0.36 -15 -13 -28 -17 -46
Capital Expenditures (CapEx)		 2.45 1.88 2.04 1.60 2.31 1.82 1.83 1.41 1.86 1.77 1.74
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 71 74 95 89 115 142 157 176 207 250 276
Debt-free Net Working Capital (DFNWC)		 249 243 251 189 203 217 247 264 310 342 398
Net Working Capital (NWC)		 249 243 251 189 203 217 247 264 310 342 323
Net Nonoperating Expense (NNE)		 7.98 4.65 0.98 -29 1.52 0.95 3.36 1.09 23 -20 0.28
Net Nonoperating Obligations (NNO)		 1.21 9.61 24 -25 -13 -0.20 -15 -13 -28 -17 -46
Total Depreciation and Amortization (D&A)		 1.22 1.44 1.68 1.73 1.77 1.84 2.34 1.54 1.62 1.88 2.09
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($1.90) ($1.01) $0.01 $2.80 $0.51 $0.04 $1.34 $2.19 $0.68 $6.84 $4.94
Adjusted Weighted Average Basic Shares Outstanding		 11.88M 11.96M 11.93M 12.22M 12.42M 12.64M 12.52M 13.13M 13.36M 13.46M 13.37M
Adjusted Diluted Earnings per Share		 ($1.90) ($1.01) $0.01 $2.60 $0.47 $0.03 $1.34 $1.97 $0.62 $6.34 $4.60
Adjusted Weighted Average Diluted Shares Outstanding		 11.88M 11.96M 11.93M 13.18M 13.54M 13.93M 13.82M 14.65M 14.55M 14.53M 14.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.01 $0.00 $0.00 $0.00 $1.34 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.98M 12.10M 12.24M 12.39M 12.67M 12.76M 13.09M 13.34M 13.50M 13.50M 13.56M
Normalized Net Operating Profit after Tax (NOPAT)		 -15 -7.40 1.15 4.94 3.97 1.42 20 30 32 32 45
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

Here are the key four-year trends for Dave Inc. (DAVE) based on the provided quarterly statements. The bullets highlight the most relevant points for retail investors.

  • Q4 2025 shows strong profitability from continuing operations: net income of $65,940,000, basic EPS of $4.94 and diluted EPS of $4.60, suggesting solid quarterly earnings power.
  • Q4 2025 gross margin remained healthy with Total Gross Profit of $138,425,000 on Total Revenue of $163,721,000 (roughly 84.6% gross margin), indicating strong product profitability in the quarter.
  • Cash generation from operations was robust in Q4 2025: Net Cash From Continuing Operating Activities about $93.29M, contributing to a positive quarterly change in cash of $30.63M.
  • Equity base expanded in 2025: Total Common Equity rose from about $217.1M in mid-2025 to roughly $291.3M by Q3 2025 and stayed near that level into Q4 2025, supported by strong earnings.
  • Revenue momentum improved in Q4 2025: Operating Revenue of $163.7M vs. Q4 2024 revenue of about $100.8M, indicating meaningful top-line growth year over year.
  • Investing activity remains a key use of cash: Net Cash From Investing Activities was negative ($50.8M in Q4 2025 and about $70.1M in Q3 2025), reflecting ongoing capital deployment.
  • Debt levels are stable: Long-Term Debt sits at $75.0M across 2025 quarters, suggesting a flat leverage profile through the period.
  • Non-cash adjustments to net income were sizable in some periods (e.g., about $30.99M in Q4 2025), which can blur quarterly profit trends and complicate interpretation of “clean” earnings.
  • Financing activities showed negative cash flows in multiple quarters (for example, around -$11.8M in Q4 2025 and similar in Q3 2025), indicating ongoing share repurchases or debt-related movements that could pressure near-term liquidity.
05/05/26 04:10 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Dave's Financials

When does Dave's financial year end?

According to the most recent income statement we have on file, Dave's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Dave's net income changed over the last 4 years?

Dave's net income appears to be on an upward trend, with a most recent value of $195.87 million in 2025, falling from -$19.99 million in 2021. The previous period was $57.87 million in 2024.

What is Dave's operating income?
Dave's total operating income in 2025 was $186.62 million, based on the following breakdown:
  • Total Gross Profit: $463.14 million
  • Total Operating Expenses: $276.52 million
How has Dave's revenue changed over the last 4 years?

Over the last 4 years, Dave's total revenue changed from $153.01 million in 2021 to $554.18 million in 2025, a change of 262.2%.

How much debt does Dave have?

Dave's total liabilities were at $134.69 million at the end of 2025, a 15.9% increase from 2024, and a 24.2% increase since 2021.

How much cash does Dave have?

In the past 4 years, Dave's cash and equivalents has ranged from $22.89 million in 2022 to $80.52 million in 2025, and is currently $80.52 million as of their latest financial filing in 2025.

How has Dave's book value per share changed over the last 4 years?

Over the last 4 years, Dave's book value per share changed from 2.18 in 2021 to 26.12 in 2025, a change of 1,098.7%.


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Financial statements for NASDAQ:DAVEW last updated on 3/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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My feud with Zohran Mamdani
Emmy-winning analyst releases his next big story Whitney Tilson shocked the nation on 60 Minutes when he ac...
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The $1.75T "Backdoor" ticker (NOT Starlink)
When the SpaceX IPO launches, most investors will already be too late. The real opportunity isn't the IPO itse...
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Sell 99% of Your Stocks, Do THIS Instead…
Millionaire Trader Exposes: "The Single Stock Income Plan" With over 6,000 stocks on the market to choose ...
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Trade this between 9:30 and 10:45 am EST
The first 75 minutes of the trading day may be the most overlooked window for consistent opportunities.If you ...
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Iran War Shock: What I Was Told In That Private Meeting
You’re Being LIED To About The Iran War Forget EVERYTHING you’ve heard about the Iran war. Especially th...
Banyan Hill Publishing | Sponsoredtc pixel
Elon Unveils AI Passive Income Stream for Millions of Americans
During Tesla's last earnings call, Elon Musk outlined a new AI-driven approach he says could generate $30,000-...
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