Superworth

Dave profit margin DAVE

Gross, operating and net profit as a share of revenue over the last twelve months, from 2021.

Net margin, 12 months
34.6%
Operating margin, 12 months
32.9%
Net margin on a year earlier
+21.9 pts
Peer median
19.2%

Over the twelve months to Jun 30, 2026, Dave kept 34.6% of its revenue as net profit, with an operating margin of 32.9%.

The median for 10 credit services stocks of a similar size is 19.2%.

Profit margin over time

OperatingNet

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet marginOperating margin
FY202535.3%31.3%
FY202416.7%n/a
FY2023−18.7%n/a
FY2022−62.9%n/a
FY2021−13.1%n/a

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a yearOperating margin
Q2 FY2634.6%+21.9 pts32.9%
Q1 FY2637.2%+23.5 pts34.6%
Q4 FY2535.3%+18.7 pts31.3%
Q3 FY2529.9%+17.0 pts25.8%
Q2 FY2512.7%+2.9 pts16.0%
Q1 FY2513.7%+13.8 pts16.4%
Q4 FY2416.7%+35.4 ptsn/a
Q3 FY2412.9%+41.5 ptsn/a
Q2 FY249.8%+54.5 ptsn/a
Q1 FY24−0.1%+49.7 ptsn/a
Q4 FY23−18.7%+44.2 ptsn/a
Q3 FY23−28.6%+37.2 ptsn/a

Against its peers

Companies in Financial - Credit Services nearest Dave's size, closest first, today.

CompanyProfit margin
DAVEDave34.6%
SEZLSezzle30.4%
NNINelnet25.8%
PAYPaymentus6.2%
ENVAEnova International10.5%
FIGRFigure Technology Solutions33.5%
RELYRemitly Global16.9%
AMTMAmentum1.4%
BFHBread Financial14.4%
CACCCredit Acceptance21.5%
SLMSLM31.7%
Peer median19.2%

Where Dave ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Dave

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.