Where do Dave, Inc.'s ratios come from?

Every ratio is computed from Dave, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Dave, Inc. DAVE Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	37.2%+23.5pp	35.3%+18.7pp	29.9%+17.0pp	12.7%+3.0pp	13.7%+13.9pp
Returns
Return on equity	111.6%+79.5pp	73.1%+30.3pp	65.6%+30.7pp	30.7%+5.4pp	32.1%+32.5pp
Return on invested capital	141.5%+110pp	72.7%+33.0pp	50.1%+17.9pp	30.8%+3.6pp	31.6%+26.5pp
Efficiency
Asset turnover	1.4×0.0×	1.4×+0.2×	1.4×+0.3×	1.4×+0.3×	1.4×+0.4×
Liquidity
Current ratio	3.9×-4.7×	3.8×-4.2×	8.7×+1.9×	9.5×+0.8×	8.6×+1.1×
Leverage
Debt-to-equity	0×-0.4×	0×-0.4×	0.3×-0.2×	0.3×-0.2×	0.4×-0.2×
Net debt / EBITDA	-0.6×-1.0×	-0.4×-0.8×	0.2×-0.5×	0.2×-0.4×	0.4×-0.6×
Per Share
Book value per share	$14.15+3.9%	$24.36+83.9%	$20.06+79.3%	$14.91+42.5%	$13.62+41.0%
Valuation
Market capitalization	$2.31B+113%	$2.99B+171%	$2.69B+442%	$3.06B+719%	$1.08B+138%
Price / earnings	10.3×-10.4×	15.3×-3.8×	18.3×+6.3×	55.5×+42.4×	20.6×—
Price / sales	3.8×+1.0×	5.4×+2.2×	5.5×+3.9×	7.1×+5.8×	2.8×+1.2×
Price / book	11.3×+5.9×	8.5×+2.4×	9.2×+6.1×	14.1×+11.5×	5.4×+1.9×
EV / EBITDA	10×-5.5×	16×+1.1×	20×+10.9×	39.2×+30.6×	15.5×-8.3×

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Where do Dave, Inc.'s ratios come from?: Every ratio is computed from Dave, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.