Superworth

Dave DAVE

Financial - Credit Services, Financial Services
$354.60
−7.27%
Market cap
$4.5B
PE
23.0×
2y median 22.7×
Forward PE
n/m
not a meaningful number
Price to sales
7.0×
EV/EBIT
21.1×
Revenue, 12 months
$643.7M
+49% on a year ago
Net margin
34.6%
Free cash flow yield
7.2%

Dave trades at 23.0× trailing earnings, near its ten-year median. Revenue was $643.7M over the last twelve months, up 49% on a year earlier with a 35% net margin.

Charts

Financials

Income statement for DAVE, by quarter
Income statementQ3 FY23Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
$65.8M+16%$73.1M+23%$73.6M+25%$80.1M+31%$92.5M+41%$100.8M+38%$108M+47%$131.8M+65%$150.7M+63%$163.7M+62%$158.4M+47%$170.8M+30%
n/an/an/a$6M$2.4M$18.8M$35.2M$12.7M+112%$59.9M+2435%$65.7M+249%$71.1M+102%$15.4M+21%
Interest expense$3.1M+27%$2.8M−5%$2.2M−24%$2M−35%$2M−36%$1.8M−34%$1.8M−21%$1.8M−10%$1.8M−9%$1.7M−7%$1.7M−2%$2M+14%
Pre-tax income−$12M−75%$275K$37.4M$4.6M$839K$17.5M+6261%$33.9M−10%$11.5M+152%$58.4M+6864%$64.2M+267%$70.2M+107%$14.7M+28%
$9K−65%$96K$3.2M+39938%−$1.8M$373K+4044%$687K+616%$5.1M+58%$2.5M−$33.6M−$1.7M$12.2M+142%$8M+224%
Net income−$12.1M−75%$179K$34.2M$6.4M$466K$16.8M+9289%$28.8M−16%$9M+42%$92.1M+19658%$65.9M+292%$57.9M+101%$6.7M−26%
−$1.01−75%$0.01$2.60$0.47$0.03$1.16+11500%$1.97−24%$0.62+32%$6.34+21033%$4.57+294%$4.02+104%$0.49−21%
12M+2%12.1M+3%13.2M+12%13.5M+14%13.9M+17%14.5M+20%14.6M+11%14.6M+8%14.5M+4%14.4M−1%14.4M−2%13.7M−6%

Operating income: 9 periods, Q2 FY24 to Q2 FY26: not printed by the filing, worked out from its own lines.

EPS, diluted: 5 periods, Q4 FY21 to Q4 FY25: quarter's net income to common over its shares, to the cent.

Diluted shares: 4 periods, Q4 FY21 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY22: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

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

CompanyMarket capPEIts 10y median PEFwd PEP/SRevenue growthNet margin
DAVEDave$4.5B23.0×22.7×7.0×+49%34.6%
SEZLSezzle$4.4B29.0×27.8×8.4×+43%30.4%
NNINelnet$4.4B14.7×11.2×3.7×+6%25.8%
PAYPaymentus$4.2B50.5×97.8×3.1×+30%6.2%
ENVAEnova International$4B11.4×11.4×1.1×+20%10.5%
FIGRFigure Technology Solutions$5.2B24.2×33.2×7.3×+89%33.5%
RELYRemitly Global$5.3B17.9×55.1×2.9×+24%16.9%
AMTMAmentum$5.3B26.2×60.6×0.4×+11%1.4%
BFHBread Financial$3.8B7.8×8.1×1.0×+4%14.4%
CACCCredit Acceptance$5.7B12.0×14.0×2.4×+3%21.5%
SLMSLM$3.5B7.0×8.6×2.0×−7%31.7%
Peer median$4.4B16.3×20.9×2.7×+16%19.2%

More on Dave

Each number over time

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About

Industry
Financial - Credit Services
Sector
Financial Services

Valuation data, not investment advice. Prices as of .