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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	35.3%+18.7pp	16.7%+35.5pp	-18.8%+44.1pp	-62.9%-57.5pp
EBITDA margin	32.9%+11.0pp	21.9%+34.0pp	-12.1%+42.9pp	-55%—
Free cash flow margin	52.3%+16.3pp	36%+23.2pp	12.8%+35.0pp	-22.3%-21.7pp
Returns
Return on equity	73.1%+30.3pp	42.8%+93.1pp	-50.3%+127pp	-177.4%-159pp
Return on assets	49.8%+30.3pp	19.5%+35.3pp	-15.8%+39.2pp	-55%—
Return on invested capital	72.7%+33.0pp	39.7%+66.0pp	-26.3%+74.9pp	-101.2%—
Efficiency
Asset turnover	1.4×+0.2×	1.2×+0.3×	0.8×0.0×	0.9×—
Liquidity
Current ratio	3.8×-4.2×	8.1×-2.8×	10.8×+2.3×	8.5×+7.0×
Quick ratio	3.8×-4.2×	8.1×-2.8×	10.8×+2.3×	8.5×+7.0×
Cash ratio	0.7×-0.7×	1.4×-0.2×	1.6×+1.0×	0.6×+0.6×
Leverage
Debt-to-equity	0×-0.4×	0.4×-0.5×	0.9×+0.2×	0.7×-0.3×
Debt-to-assets	0×-0.3×	0.3×0.0×	0.3×0.0×	0.2×0.0×
Net debt / EBITDA	-0.4×-0.8×	0.3×—	——	——
Interest coverage	24.9×+16.3×	8.6×+11.7×	-3.1×+9.9×	-13×-10.5×
Per Share
Book value per share	$24.36+83.9%	$13.25+81.6%	$7.29-20.7%	$9.20+1.3%
Valuation
Market capitalization	$2.99B+171%	$1.1B+993%	$101.05M-7.8%	$109.65M-97.0%
Enterprise value	$2.91B+157%	$1.13B+736%	$135.14M-16.9%	$162.58M-95.6%
Price / earnings	15.3×-3.8×	19.1×—	——	——
Price / sales	5.4×+2.2×	3.2×+2.8×	0.4×-0.1×	0.5×-23.6×
Price / book	8.5×+2.4×	6×+4.9×	1.2×+0.1×	1×-94.3×
EV / EBITDA	16×+1.1×	14.9×—	——	——
EV / sales	5.3×+2.0×	3.3×+2.7×	0.5×-0.3×	0.8×-23.6×
Free cash flow yield	9.7%-1.6pp	11.3%-21.4pp	32.7%+74.3pp	-41.6%-41.6pp
Earnings yield	6.6%+1.3pp	5.2%+53.4pp	-48.2%+69.4pp	-117.6%-117pp
PEG ratio	0.1×—	——	——	——

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Questions, answered.

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.