What is Dave, Inc.'s retained earnings?

Dave, Inc. (DAVE) reported retained earnings of $101.35M in Q1 2026.

How has Dave, Inc.'s retained earnings changed year-over-year?

Dave, Inc.'s retained earnings increased by 182.0% year-over-year, from -$123.64M to $101.35M.

What is the long-term trend for Dave, Inc.'s retained earnings?

Over 4 years (2021 to 2025), Dave, Inc.'s retained earnings has grown at a 7.2% compound annual growth rate (CAGR), from -$32.9M to $43.42M.

What does retained earnings mean?

Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

Dave, Inc. DAVE Retained Earnings

Retained Earnings at other companies

JPMorgan ChaseJPM

$428.21B+10.8%

Bank of AmericaBAC

$267.77B+8.3%

Wells Fargo & CompanyWFC

$232.46B+6.9%

PayPal Holdings, Inc.PYPL

$33.45B+16.7%

Upstart Holdings, Inc.UPST

-$364.2M+11.9%

SoFi Technologies, Inc.SOFI

-$657.55M+46.7%

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$4.04B+113%

Profitability

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Operating margin-4.2%—

Net margin37.2%+23.5pp

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

Reported directly by Dave, Inc. in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

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 retained earnings?: Dave, Inc. (DAVE) reported retained earnings of $101.35M in Q1 2026.
How has Dave, Inc.'s retained earnings changed year-over-year?: Dave, Inc.'s retained earnings increased by 182.0% year-over-year, from -$123.64M to $101.35M.
What is the long-term trend for Dave, Inc.'s retained earnings?: Over 4 years (2021 to 2025), Dave, Inc.'s retained earnings has grown at a 7.2% compound annual growth rate (CAGR), from -$32.9M to $43.42M.
What does retained earnings mean?: Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.