What is Dave, Inc.'s net margin?

Dave, Inc. (DAVE) reported net margin of 37.2% in Q1 2026.

How has Dave, Inc.'s net margin changed year-over-year?

Dave, Inc.'s net margin increased by 170.7% year-over-year, from 13.7% to 37.2%.

What is the long-term trend for Dave, Inc.'s net margin?

Over 4 years (2021 to 2025), Dave, Inc.'s net margin has grown at a 59.9% compound annual growth rate (CAGR), from -5.4% to 35.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Dave, Inc. DAVE Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

PayPal Holdings, Inc.PYPL

15%+0.7pp

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

Affirm Holdings, Inc.AFRM

9.6%+8.2pp

Other financials

Income statement

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Revenue$158.4M+46.7%

Operating income-$3.0M—

Net income$57.9M+101%

EPS (diluted)$4.02+104%

Balance sheet

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Cash & equivalents$133.3M+184%

Total debt$425.0K-99.4%

Total equity$203.8M+2.2%

Total assets$530.5M+68.1%

Cash flow

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Operating cash flow$82.0M+81.3%

CapEx$19.0K-48.6%

Free cash flow$82.0M+81.4%

Valuation

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Market cap$4B+113%

Enterprise value$3.86B+95.8%

P/E17.8×-18.0×

P/S6.6×+1.7×

Profitability

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Operating margin-4.2%—

FCF margin54%+14.2pp

Returns & leverage

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Return on equity111.6%+79.5pp

Debt / equity0×-0.4×

Current ratio3.9×-4.7×

Where this comes from

Calculated from Dave, Inc.’s reported figures.

net income/total revenue=37.2%

Based on trailing twelve months.

The official record: Dave, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Dave, Inc.'s net margin?: Dave, Inc. (DAVE) reported net margin of 37.2% in Q1 2026.
How has Dave, Inc.'s net margin changed year-over-year?: Dave, Inc.'s net margin increased by 170.7% year-over-year, from 13.7% to 37.2%.
What is the long-term trend for Dave, Inc.'s net margin?: Over 4 years (2021 to 2025), Dave, Inc.'s net margin has grown at a 59.9% compound annual growth rate (CAGR), from -5.4% to 35.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.