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Dave, Inc. DAVE Q3 2025 earnings

Reported November 4, 2025 · Before market open

Revenue$150.7MMiss by $2.3M
EPS$4.24Beat by $1.95
Revenue estimate$153.0M
EPS estimate$2.29

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$170.9M
EPS estimate$3.42

Financials

Q3 2025

Income statement

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Revenue$150.7M+63.0%
Net income$92.1M+19,658%
EPS (diluted)$6.34+21,033%

Balance sheet

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Cash & equivalents$49.9M+42.3%
Total debt$75.3M-0.4%
Total equity$291.3M+87.0%
Total assets$433.3M+59.1%

Cash flow

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Operating cash flow$83.2M+125%
CapEx$62.0K-4.6%
Free cash flow$83.2M+125%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.69B+442%
Enterprise value$2.72B+406%
P/E18.3×+6.3×
P/S5.5×+3.9×

Profitability

See full
Net margin29.9%+17.0pp
FCF margin48.5%+17.5pp

Returns & leverage

See full
Return on equity65.6%+30.7pp
Debt / equity0.3×-0.2×
Current ratio8.7×+1.9×

Segments

By product

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Processing And Overdraft Service Fees Net$129.2M—
Subscriptions$10.0M+57.1%
Interchange Revenue Net$6.1M+23.3%
Transaction Based Revenue Other Net$4.7M+37.5%
Atm Revenue Net$718.0K-3.9%

Versus estimates

Revenue

Q1 2026$158.4MBeat by $4.7MQ4 2025$163.7MBeat by $3.1M
Q3 2025$150.7MMiss by $2.3M
Q2 2025$131.8MMiss by $843.0KQ1 2025$108.0MBeat by $3.5MQ4 2024$100.8MBeat by $10.6M

Diluted EPS

Q1 2026$4.02Beat by $1.38Q4 2025$3.69Beat by $0.38
Q3 2025$4.24Beat by $1.95
Q2 2025$3.14Beat by $1.24Q1 2025$2.48Beat by $0.94Q4 2024$2.04Beat by $0.95

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Questions, answered.

When did Dave, Inc. report Q3 2025 earnings?
Dave, Inc. (DAVE) reported Q3 2025 earnings on November 4, 2025 before market open.
What were Dave, Inc.'s Q3 2025 revenue and EPS?
Dave, Inc. reported revenue of $150.7M and eps of $4.24 for Q3 2025.
Did Dave, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $153.0M by $2.3M. EPS beat the consensus estimate of $2.29 by $1.95.
How did Dave, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 63.0% from $92.5M a year earlier and eps grew 180.8% from $1.51.
Where can I find Dave, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-263535) and the 10-Q periodic report (0001193125-25-264819) directly on SEC EDGAR. The filing index links above go to sec.gov.