Valuation dashboard for Dave Inc. (DAVE) with P/E 20.87, P/B 19.69, EV/EBITDA 13.9 and dividend yield 0.00%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Technology companies.
Dave Inc. manages a digital platform that delivers a comprehensive array of financial products and services. Among its key offerings is "Insights," a personal finance management solution designed to help members monitor their earnings and expenditures between salary payments. The company also provides "ExtraCash," a no-cost alternative to traditional overdrafts or short-term credit, which allows users to advance money to their accounts and bypass associated fees.
What would it be worth at its usual multiples?
Versus its usual multiples: cheap · Current P/E 20.9× · Multiples range: $485.73 · $485.73.
At its sector median (31.5×) $486 (+51 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Dave Inc. reported revenue of $554.2M in the most recent fiscal year, growing at a 5-year CAGR of 35.4%.
Trailing-twelve-month margins: gross margin 83.3%, operating margin 34.5%, net margin 34.6%.
At $321.88 (closing price, November 2, 2026), DAVE trades at a P/E of 20.87 and an ROE of 84.35%. Market capitalisation stands at $4.1B.
Balance sheet quality for DAVE: debt-to-equity ratio of 1.29, current ratio of 4.22 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 20.87 |
| Price / Book | 19.69 |
| EV / EBITDA | 13.9 |
| Dividend Yield | 0.00% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| DAVE | Dave Inc. | $4.1B | 20.87 | 19.69 | 84.4% |
| PYPL | PayPal Holdings, Inc. | $48.8B | 11.22 | 2.48 | 23.8% |
| INTU | Intuit Inc. | $94.1B | 21.35 | 5.04 | 23.4% |
| KSPI | Joint Stock Company Kaspi.kz | $17.7B | 7.73 | 3.05 | 41.3% |
| CHYM | Chime Financial, Inc. Class A Common Stock | $10.8B | 7.73 | -1.3% |
Price
| Price | $321.88 (closing price, November 2, 2026) |
| Market Cap | $4.1B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 84.35% |
| Return on Invested Capital | 42.48% |
| Return on Assets | 39.01% |
| Gross Margin | 83.29% |
| Operating Margin | 34.52% |
| Net Margin | 34.59% |
Related companies: PYPL · INTU · KSPI · CHYM
Explore sector: Technology · Software - Application
More sections of DAVE: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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