DAVE
Dave Inc./DEPrice & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Average 28-day past due rate | 1.69% | Q1 2026 | — |
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| Dave Debit Card spend | 534M | Q1 2026 | — |
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| ExtraCash Monetization Rate Net of Losses | 5.1% | Q1 2026 | — |
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| ExtraCash originations | 2.1B | Q1 2026 | — |
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| New members | 695,000 | Q1 2026 | — |
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| 28 days past due rate | 1.69% | Q1 call | — |
| adjusted EBITDA non-GAAP | $69.3M | Q1 call | — |
| adjusted EBITDA margin non-GAAP | 44% | Q1 call | — |
| ARPU growth | 24% | Q1 call | — |
| average extra cash origination size (April) | $214 | April call | — |
| average extra cash origination size (sequentially) | $212 | Q1 call | — |
| compensation expense growth (sequentially) | 11% | Q1 call | — |
| compensation expense growth (year over year) | 1% | Q1 call | — |
| customer acquisition cost (CAC) | $18 | Q1 call | — |
| extra cash disbursements change (sequentially) | -5% | Q1 call | — |
| extra cash originations | 2.1B | Q1 call | — |
| MTM growth | 18% | Q1 call | — |
| multi-transacting members growth | 18% | Q1 call | — |
| new members added | 695,000 | Q1 call | — |
| non-GAAP gross margin non-GAAP | 72% | Q1 call | — |
| non-GAAP gross profit non-GAAP | $114.4M | Q1 call | — |
| total members (MTMs) | 2.99M | Q1 call | — |
| Customer acquisition cost | $20 | Q4 FY2025 | — |
| Monthly Transacting Members (MTMs) | 2.93M | Q4 FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Software - Application — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
DAVE
this stock
Dave Inc./DE
|
$5.63B | +99.9% | +59.7% | 28.4 | 19.4% |
|
SAP
Sap SE
|
$187.06B | -33.5% | — | — | 1.0% |
|
SHOP
Shopify Inc.
|
$160.86B | -22.3% | +26.1% | 121.5 | 1.6% |
|
UBER
Uber Technologies, Inc
|
$150.72B | -9.4% | +18.3% | 18.4 | 2.8% |
|
CRM
Salesforce, Inc.
|
$141.42B | -34.8% | +25.9% | 20.0 | 6.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| DAVE | +13.4% | +48.2% | +132.4% | +18.8% | +99.9% |
| SPY | -0.1% | +0.1% | +9.0% | +0.5% | +10.1% |
| vs SPY | +13.6% | +48.2% | +123.5% | +18.2% | +89.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.