Stocks · Technology · Software - Application
Dave Inc. DAVE
$346.57 +2.06% Close, Oct 2, 2026 · NASDAQ · Market cap $4.66B
Strong growthHigh quality
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $15.42, up 301.2% year over year.
- Operating margin widened to 34.5% from 23.0% a year earlier.
- Revenue over the last four quarters was $643.7M, up 48.6% from a year earlier, slowing from 58.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 11%
- EPS growth (TTM, YoY)Top 7%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRTop 7%
- Revenue growth accelerationBottom 7%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginTop 6%
- Operating marginTop 6%
- Cash conversion (OCF / net income)Bottom 39%
- Accruals (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Top 47%
- Interest coverTop 12%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldTop 22%
- EBITDA / enterprise valueTop 28%
- Sales / enterprise valueBottom 32%
- P/E vs own 5-year history (lower is better)Top 43%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 11%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Bottom 40%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 9%
- Consecutive EPS beatsTop 41%
- Share of analysts rating BuyTop 19%
- Upside to consensus price targetBottom 50%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 34%
- Maximum drawdown, 3 yearsTop 17%
- Beta vs S&P 500 (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Top 47%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 58.5% | 48.6% | ↓ |
| EPS growth (YoY) | 321.0% | 301.2% | ↓ |
| Gross margin | 86.7% | 83.3% | ↓ |
| Operating margin | 23.0% | 34.5% | ↑ |
| FCF margin | 43.2% | 50.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 48.6% | 58.5% | ↓ | Top 11% |
| EPS growth (TTM, YoY) | 301.2% | 321.0% | ↓ | Top 7% |
| Gross margin | 83.3% | 86.7% | ↓ | Top 6% |
| Operating margin | 34.5% | 23.0% | ↑ | Top 6% |
| Net margin | 34.6% | 12.7% | ↑ | — |
| Free-cash-flow margin | 50.7% | 43.2% | ↑ | — |
| Return on invested capital | 42.5% | — | Top 2% | |
| Revenue growth, 3-year CAGR | 39.3% | — | Top 7% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.47×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -18.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 5.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -45.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.20×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 30.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 5.08%
- Shareholder yield
- 5.08%
- Share count change, 1 year
- -6.0%
- Share count change, 3-year CAGR
- +4.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +81.3%
- Average 2-day reaction, last 8
- +2.4%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $436.75
- Target vs current price
- +26.0%
- Analysts with a rating
- 13
- Share rating Buy or Strong Buy
- 85%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +11.7% | +0.2% | -27.8% | -20.6% | — |
| May 5, 2026 | +27.3% | -5.5% | -10.7% | -4.4% | +35.3% |
| Mar 2, 2026 | +38.1% | +3.0% | +12.4% | -9.5% | +29.0% |
| Nov 4, 2025 | +248.4% | -2.3% | +2.9% | -15.6% | -31.8% |
| Aug 6, 2025 | -52.4% | -17.9% | -22.7% | -14.3% | +2.1% |
| May 8, 2025 | +167.1% | +41.6% | +70.0% | +94.0% | +127.7% |
| Mar 3, 2025 | +168.0% | -5.6% | -17.2% | -16.0% | +107.6% |
| Nov 12, 2024 | -93.9% | +6.0% | +34.5% | +41.8% | +84.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $4.12 | $3.69 | +11.7% | $170.8M |
| May 5, 2026 | $3.64 | $2.86 | +27.3% | $158.4M |
| Mar 2, 2026 | $4.57 | $3.31 | +38.1% | $163.7M |
| Nov 4, 2025 | $6.34 | $1.82 | +248.4% | $150.8M |
| Aug 6, 2025 | $0.68 | $1.43 | -52.4% | $131.7M |
| May 8, 2025 | $2.19 | $0.82 | +167.1% | $108.0M |
| Mar 3, 2025 | $1.34 | $0.50 | +168.0% | $100.9M |
| Nov 12, 2024 | $0.03 | $0.49 | -93.9% | $92.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 22.5× | 22.0× | 50th | Top 19% |
| P/E (forward) | 25.7× | — | — | — |
| EV / EBITDA | 16.0× | — | — | Top 28% |
| EV / Sales | 7.33× | — | — | Bottom 32% |
| Free-cash-flow yield | 7.01% | — | — | Top 22% |
| Earnings yield | 4.45% | — | — | Top 19% |
P/E over the past five years
Range 14.7× – 51.0× since Jun 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +75.6%
- Earnings per share growth (TTM)
- +301.2%
- Change in P/E multiple
- -45.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 120
- 50-day average slope (20 days)
- -5.3%
- 200-day average slope (20 days)
- +5.7%
- Distance from 50-day average
- -3.0%
- Distance from 200-day average
- +26.6%
- RSI (14)
- 49.8
- Relative volume
- 1.09×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 73.2%
- Volatility vs own 5-year history
- 40th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 2.04
- Correlation with S&P 500
- 0.32
- Current drawdown from 1-year high
- -21.7%
- Maximum drawdown, 3 years
- -44.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 1, 2022 | May 19, 2023 | -99.0% | 326 days | Not yet recovered |
| Dec 31, 2021 | Jan 11, 2022 | -51.2% | 7 days | 12 days (Jan 28, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.66B
- P/E (TTM)
- 22.5
- EPS, diluted (TTM)
- $15.42
- Revenue (TTM)
- $643.7M
- 52-week range
- $152.21 – $458.25
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $153.0M | $204.8M | $259.1M | $347.1M | $554.2M |
| Gross profit | $129.6M | $172.9M | $197.7M | $282.0M | $480.4M |
| Operating income | -$6.4M | -$134.4M | -$42.2M | $34.6M | $186.6M |
| Net income | -$20.0M | -$128.9M | -$48.5M | $57.9M | $195.9M |
| EPS (diluted) | -$1.72 | -$10.92 | -$4.07 | $4.19 | $13.53 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $92.5M | $100.8M | $108.0M | $131.8M | $150.7M | $163.7M | $158.4M | $170.8M |
| Net income | $466,000 | $16.8M | $28.8M | $9.0M | $92.1M | $65.9M | $57.9M | $6.7M |
| EPS (diluted) | $0.03 | $1.22 | $1.97 | $0.62 | $6.34 | $4.57 | $4.02 | $0.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$541,000 | -$44.9M | $33.8M | $125.1M | $290.0M |
| Capital expenditure | -$6.5M | -$9.3M | -$8.6M | -$262,000 | -$317,000 |
| Free cash flow | -$7.0M | -$54.2M | $25.2M | $124.9M | $289.7M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $194.5M | -$12,000 | $1.3M | -$43.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $252.6M
- Total assets
- $570.8M
- Total liabilities
- $362.9M
- Total debt
- $268.5M
- Net debt
- $58.9M
- Shareholders’ equity
- $207.9M
As of Jun 30, 2026 (filed Aug 5, 2026).
Short interest
- Shares sold short
- 2,266,088
- Days to cover
- 7.09
- Change vs previous report
- -6.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 6, 2023
- 1-for-32