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Dave, Inc. DAVE Q2 2025 earnings

Reported August 6, 2025 · Before market open

Revenue$131.8MMiss by $843.0K
EPS$3.14Beat by $1.24
Revenue estimate$132.6M
EPS estimate$1.90

Next report

Nov 3, 2026 (in a month)
Revenue estimate$191.5M
EPS estimate$4.41

Financials

Q2 2025

Income statement

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Revenue$131.8M+64.5%
Net income$9.0M+42.2%
EPS (diluted)$0.62+31.9%

Balance sheet

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Cash & equivalents$61.7M+26.9%
Total debt$75.4M-0.4%
Total equity$217.1M+53.1%
Total assets$363.6M+47.1%

Cash flow

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Operating cash flow$68.2M+143%
CapEx$127.0K-5.9%
Free cash flow$68.1M+144%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$3.06B+719%
Enterprise value$3.07B+667%
P/E55.5×+42.4×
P/S7.1×+5.8×

Profitability

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Net margin12.7%+3.0pp
FCF margin44.3%+18.0pp

Returns & leverage

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Return on equity30.7%+5.4pp
Debt / equity0.3×-0.2×
Current ratio9.5×+0.8×

Segments

By product

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Subscriptions$8.1M+37.7%
Interchange Revenue Net$6.0M+26.8%
Transaction Based Revenue Other Net$3.4M+15.0%
Atm Revenue Net$745.0K-2.0%
Other$76.0K-41.1%

FAQ

When did Dave, Inc. report Q2 2025 earnings?
Dave, Inc. (DAVE) reported Q2 2025 earnings on August 6, 2025 before market open.
What were Dave, Inc.'s Q2 2025 revenue and EPS?
Dave, Inc. reported revenue of $131.8M and eps of $3.14 for Q2 2025.
Did Dave, Inc. beat estimates in Q2 2025?
Revenue missed the consensus estimate of $132.6M by $843.0K. EPS beat the consensus estimate of $1.90 by $1.24.
How did Dave, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 64.5% from $80.1M a year earlier and eps grew 210.9% from $1.01.
Where can I find Dave, Inc.'s Q2 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-174014) and the 10-Q periodic report (0000950170-25-103967) directly on SEC EDGAR. The filing index links above go to sec.gov.