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Dave, Inc. (DAVE)

Nasdaq Financials Consumer Finance S&P SmallCap 600
$278.59
+3.25 (+1.18%)
Close of Nov 06, 2026 · end-of-day data
Source: Dave, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 05, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$153.01M$204.84M$259.09M$347.08M$554.18M
Operating income-$6.38M————
Interest expense$2.54M$9.20M$11.77M$7.99M$7.04M
Pre-tax income-$19.90M-$128.97M-$48.40M$60.35M$168.03M
Income tax$0-$67.00K$120.00K$2.48M-$27.84M
Net income-$5.27M-$128.91M-$48.52M$57.87M$195.87M
EBITDA-$3.32M————
EPS (basic)$-4.69$-11.12$-4.07$4.62$14.65
EPS (diluted)$-4.69$-11.12$-4.07$4.19$13.53
Diluted shares4.27M11.59M11.93M13.82M14.48M
Operating margin-4.2%————
Net margin-3.4%-62.9%-18.7%16.7%35.3%

Balance sheet

fiscal years · USD
Fiscal yearFY2021FY2022FY2023FY2024FY2025
Cash & equivalents$32.01M$22.89M$41.76M$49.72M$80.52M
Short-term investments$0$285.00K$952.00K$97.00K$0
Total current assets$100.20M$308.57M$276.89M$282.27M$436.70M
Total assets$147.19M$321.49M$294.02M$299.33M$487.42M
Total current liabilities$68.63M$36.42M$25.60M$35.06M$114.00M
Long-term debt$35.00M$75.00M$75.00M$75.00M$0
Total debt$35.00M$75.00M$75.00M$75.00M$0
Total liabilities$108.45M$214.93M$206.96M$116.23M$134.69M
Shareholders' equity$38.74M$106.56M$87.06M$183.10M$352.73M

Cash flow

fiscal years · USD
Fiscal yearFY2021FY2022FY2023FY2024FY2025
Operating cash flow-$2.09M-$44.88M$33.75M$125.14M$290.02M
Capital expenditures$371.00K$728.00K$688.00K$262.00K$317.00K
Free cash flow-$2.46M-$45.61M$33.07M$124.88M$289.71M
Investing cash flow-$253.77M-$285.58M-$14.38M-$45.84M-$202.75M
Financing cash flow$255.94M$321.77M$22.00K-$71.00M-$56.29M
Share buybacks$0$536.00K$0$0$43.73M
Stock-based compensation$2.10M$40.60M$26.70M$37.30M$29.90M
Depreciation & amortization$3.06M$7.13M$5.54M$7.68M$7.13M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.