# Dave Inc. (DAVE) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $380.69, market value $4.9 billion.

## Valuation
- **P/E (trailing): 24.5×** (5-yr avg 18.6×, 3-yr avg 18.6×). Dave Inc. trades at 24.5× trailing earnings, well above its own five-year average of 18.6×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 17.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.08**. A PEG of 0.08 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 7.5×**. Each dollar of revenue is priced at 7.5×.
- **Price / book: 23.4×**. The shares trade at 23.4× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 6.7%** (5-yr avg 2.0%). Free cash flow equals 6.7% of the market value, above its five-year average of 2.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.1%**. The inverse of the P/E: 4.1% of the price is earned each year.

## Profitability
- **Net margin: 35.3%**. 35.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 55.5%**. A 55.5% return on equity is extremely high; check whether buybacks or debt have shrunk the equity base, which flatters the ratio.
- **Return on assets: 45.7%**. Each dollar of assets produces 45.7% of profit.

## Growth
- **Revenue growth (1 yr): 59.7%** (3-yr 39.3%/yr). Revenue grew 59.7% over the last year.
- **EPS growth (1 yr): 222.9%**. Earnings per share rose 222.9%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Debt to equity: 0.00**. Debt is 0.00 times equity: a conservative balance sheet.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Dave Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 94.6%** (YTD 71.9%, 3-mo 47.4%). The shares are up 94.6% over twelve months including dividends.
- **From 52-week high: -16.9%** (150.1% above the low). Trading 17% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 2.49** (volatility 71%). Beta of 2.49 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=DAVE · Page: https://foliofundamentals.com/stocks/dave

Not investment advice.