Dave Inc.
DAVETechnologyNASDAQSoftware - Application · Last scanned Jul 16, 2026
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Daily timeframeDave Inc. provides various financial products and services through its financial services platform in the United States. Valued at $5.57B, DAVE is a mid-cap name in its sector. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work.
Market Cap
$5.57B
Beta
3.83
P/E (TTM)
26.74
P/E (Fwd)
20.80
EPS (TTM)
$16.39
EPS (Fwd)
$21.06
ROE
111.6%
ROA
32.0%
Cash
$180.0M
Total Debt
$268.2M
Free CF
$85.7M
52W Change
129.4%
Annual Financials
Cash vs Debt
The company holds $180.0M in cash, though total debt stands at $268.2M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. The company generates $85.7M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 111.6% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Return on assets of 32.0% further supports the picture of efficient asset utilization. Revenue has grown from $204.8M (2022) to $554.2M (2025), reflecting a 171% increase over the period.
Dave Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Dave Inc. and its sector.