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

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	37.2%+1.9pp	35.3%+5.5pp	29.9%+17.1pp	12.7%-1.0pp	13.7%-2.9pp
Returns
Return on equity	111.6%+38.5pp	73.1%+7.5pp	65.6%+34.9pp	30.7%-1.4pp	32.1%-10.7pp
Return on invested capital	141.5%+68.7pp	72.7%+22.7pp	50.1%+19.3pp	30.8%-0.9pp	31.6%-8.1pp
Efficiency
Asset turnover	1.4×0.0×	1.4×0.0×	1.4×0.0×	1.4×0.0×	1.4×+0.2×
Liquidity
Current ratio	3.9×0.0×	3.8×-4.9×	8.7×-0.8×	9.5×+0.9×	8.6×+0.5×
Leverage
Debt-to-equity	0×0.0×	0×-0.3×	0.3×-0.1×	0.3×0.0×	0.4×0.0×
Net debt / EBITDA	-0.6×-0.2×	-0.4×-0.6×	0.2×0.0×	0.2×-0.2×	0.4×+0.1×
Per Share
Book value per share	$14.15-41.9%	$24.36+21.5%	$20.06+34.5%	$14.91+9.5%	$13.62+2.8%
Valuation
Market capitalization	$2.31B-22.8%	$2.99B+11.1%	$2.69B-12.1%	$3.06B+183%	$1.08B-2.0%
Price / earnings	10.3×-5.0×	15.3×-3.1×	18.3×-37.2×	55.5×+34.9×	20.6×—
Price / sales	3.8×-1.6×	5.4×-0.1×	5.5×-1.6×	7.1×+4.2×	2.8×-0.3×
Price / book	11.3×+2.9×	8.5×-0.8×	9.2×-4.9×	14.1×+8.7×	5.4×-0.6×
EV / EBITDA	10×-6.0×	16×-4.0×	20×-19.2×	39.2×+23.7×	15.5×+0.6×

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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.