Dave Inc./DE financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
DAVE, DAVEW on Nasdaq
Location
Los Angeles, CA
Fiscal year end
31 December
Latest financial report
02 Mar 2026

Quick Takeaways

  • DAVE - Dave Inc./DE financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 73%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+71%</span>.
  • Most recent SEC facts end date: 31 Dec 2025.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2025-12-31) highlights Return On Equity 73.1%, Return On Assets 30.4%, and Operating Margin 39.4%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

92.8/100

Strong Confidence high

Return On Equity

73%

Metric score 100.0/100

Return On Assets

30%

Metric score 100.0/100

Financial Health

Current Ratio
3.83x
Quick Ratio
1.06x
Debt to Equity
0.21x

Strengths

Return On Equity, Return On Assets, and Operating Margin

Watchpoints

No major risk flags from available metrics.

Key metrics snapshot

Return On Equity

73%

YoY: +71%

Industry median: -7.7% (n=122)

View history

Return On Assets

30%

YoY: +155%

Industry median: -10% (n=122)

View history

Operating Margin

39%

YoY:

Industry median: -110% (n=58)

View history

Current Ratio

3.83x

YoY: -52%

Industry median: 1.28x (n=84)

View history

Quick Ratio

1.06x

YoY:

Industry median: 1.26x (n=30)

View history

Debt-to-equity

0.21x

YoY: -31%

Industry median: 0.33x (n=76)

View history

Revenues YoY

60%

YoY:

Industry median: 9.9% (n=72)

View history

NetIncomeLoss YoY

238%

YoY:

Industry median: -104% (n=105)

View history

Profitability

Metric Latest value YoY change
Return On Equity 73% +71%
Return On Assets 30% +155%
Operating Margin 39%

Financial Health

Metric Latest value YoY change
Current Ratio 3.83x -52%
Quick Ratio 1.06x
Debt-to-equity 0.21x -31%

Growth

Metric Latest value YoY change
Revenues YoY 60%
NetIncomeLoss YoY 238%

Share Metrics

Metric Latest value YoY change
Weighted Average Number of Shares Outstanding, Basic 13,366,072 +6.8%
Weighted Average Number of Shares Outstanding, Diluted 14,480,703 +4.8%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $168,027,000 +178%
Income Tax Expense (Benefit) $27,838,000 -1222%
Earnings Per Share, Basic 14.65 +217%
Earnings Per Share, Diluted 13.53 +223%
Cash and Cash Equivalents, at Carrying Value $80,523,000 +62%
Marketable Securities, Current $0 -100%
Assets, Current $436,696,000 +55%
Deferred Income Tax Assets, Net $34,185,000
Property, Plant and Equipment, Net $474,000 -33%
Operating Lease, Right-of-Use Asset $195,000 -62%
Other Assets, Noncurrent $357,000 -6.1%
Assets $487,418,000 +63%
Accounts Payable, Current $8,358,000 +24%
Accrued Liabilities, Current $14,698,000 -12%
Liabilities, Current $113,997,000 +225%
Operating Lease, Liability, Noncurrent $141,000 -31%
Other Liabilities, Noncurrent $4,476,000 +48%
Liabilities $134,691,000 +16%
Accumulated Other Comprehensive Income (Loss), Net of Tax $374,000 +69%
Retained Earnings (Accumulated Deficit) $43,418,000
Stockholders' Equity Attributable to Parent $352,727,000 +93%
Liabilities and Equity $487,418,000 +63%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $82,364,000 +60%
Deferred Tax Assets, Valuation Allowance $0 -100%
Deferred Tax Assets, Gross $35,341,000 -41%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $196,018,000 +241%
Property, Plant and Equipment, Gross $2,652,000 +12%
Operating Lease, Liability, Current $63,000 -82%
Operating Lease, Weighted Average Discount Rate, Percent 0.1 0%
Deferred Tax Assets, Operating Loss Carryforwards $6,019,000 -56%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 10,000,000 0%
Unrecognized Tax Benefits $3,272,000 +62%
Additional Paid in Capital $352,664,000 +5.2%
Preferred Stock, Shares Outstanding 0
Amortization of Intangible Assets $6,400,000 -7.2%
Share-based Payment Arrangement, Expense $29,900,000 -20%
Interest Expense $7,043,000 -12%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY