DAVE · Dave Inc./DE
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Jan 6, 2023; bars on opposite sides are not compared.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
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 written earnings releases and filings| Metric | Latest | Period | YoY |
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| 28-day past due rate | 2.12% | Q2 2026 | — |
| Adj. Net Income per Diluted Share non-GAAP | $4.12 | Q2 2026 | — |
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| Adjusted EBITDA non-GAAP | $75.5M | Q2 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Net income 6.7M
+1.2M Interest expense, net and funding costs
+8M Provision for income taxes
+2M Depreciation and amortization
+16.4M Stock-based compensation
+4M Legal settlement and litigation expenses
+0.3M Other strategic financing and transactional expenses
+11.3M Changes in fair value of earnout liabilities
+25.6M Changes in fair value of public and private warrant liabilities
= Adjusted EBITDA 75.5M
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| Adjusted EBITDA Margin non-GAAP | 44% | Q2 2026 | — |
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| Adjusted Net Income non-GAAP | $56.4M | Q2 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Net income 6.7M
+16.4M Stock-based compensation
+4M Legal settlement and litigation expenses
+0.3M Other strategic financing and transactional expenses
+11.3M Changes in fair value of earnout liabilities
+25.6M Changes in fair value of public and private warrant liabilities
-7.9M Income tax expense (benefit) related to stock-based compensation
= Adjusted net income 56.4M
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| Average 28-day past due rate | 2.12% | Second Quarter 2026 | — |
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| Customer acquisition cost | $19 | Q2 2026 | — |
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| ExtraCash Monetization Rate Net of Losses | 4.8% | Q2 2026 | — |
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| ExtraCash originations | 2.3B | Q2 2026 | — |
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| Monthly Transacting Members ("MTMs") | 3.08M | Q2 2026 | — |
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| New members | 951,000 | Q2 2026 | — |
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| Non-GAAP Gross Profit non-GAAP | $123.8M | Q2 2026 | — |
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GAAP → non-GAAP reconciliationGAAP GAAP operating revenues, net $170.8M
-$28.8M Provision for credit losses
-$10.3M Processing and servicing costs
-$7.9M Financial network and transaction costs
= Non-GAAP gross profit $123.8M
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| Non-GAAP Gross Profit Margin non-GAAP | 72% | Q2 2026 | — |
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| Adjusted net income per share - Basic non-GAAP | $3.9 | Three Months Ended March 31, 2026 | — |
| Adjusted net income per share - Diluted non-GAAP | $3.64 | Three Months Ended March 31, 2026 | — |
| Average ExtraCash origination size growth | 20% | Q4 2025 | — |
| Dave Debit Card spend | $534M | Q4 2025 | — |
| Net monetization rate | 4.8% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Software - Application — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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DAVE
this stock
Dave Inc./DE
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$4.83B | +71.0% | +59.7% | 24.5 | 19.1% |
|
SAP
Sap SE
|
$255.70B | -8.8% | — | — | 0.7% |
|
CRM
Salesforce, Inc.
|
$210.69B | -3.4% | +25.9% | 23.4 | 3.2% |
|
SHOP
Shopify Inc.
|
$196.73B | -5.0% | +30.1% | 102.6 | 1.2% |
|
UBER
Uber Technologies, Inc
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$160.99B | -3.5% | +18.3% | — | 2.3% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Jan 6, 2023; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| DAVE | +6.7% | +1.6% | +71.0% | +1.6% | +71.0% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | +6.3% | -1.4% | +57.5% | -1.4% | +58.2% |
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.