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Dave Inc (DAVE) Key Ratios

Stock Card factsheet share-fund-plan-icon

$320.98

up-down-arrow $-3.90 (-1.20%)

As on 28-Sep-2026 14:35EDT

Market cap

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$4,144 Mln

Revenue (TTM)

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$644 Mln

P/E Ratio

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20.9

P/B Ratio

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21.7

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 7.81 29.63 48.63 39.59 35.84
EBIT 23.97 570.82 304.18 71.45 93.86
Net Profit -88.46 -26.03 49.49 41.34 35.69
EPS -87.85 -21.30 307.14 55.00 45.05
Book Value -- -- 92.44 39.32 41.62
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 12.38-6.5344.6231.5919.69
Net Margin info ---37.1434.59----
Return on equity info 21.95-31.3579.4373.1142.84
Return on Capital info 20.49-5.44--57.0521.96
Return on Assets info 17.84-3.8740.7149.7919.51
Debt to Equity (x) info ----0.930.210.41

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
57.05
21.96
-17.54
-64.93
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

79.43

Higher than Peers by 75.61

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
79.43
73.11
42.84
-50.11
-177.44
Peer Median
3.82
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

40.71

Higher than Peers by 40.14

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
40.71
49.79
19.51
-15.76
-55.01
Peer Median
0.57
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

44.62

Higher than Peers by 40.60

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
44.62
31.59
19.69
-14.14
-58.47
Peer Median
4.01
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

34.59

Higher than Peers by 29.40

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
34.59
35.34
16.67
-18.73
-61.31
Peer Median
5.19
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
0.00
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

48.63

Higher than Peers by 14.43

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
48.63
0.60
0.34
0.26
0.34
Peer Median
34.20
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

304.18

Higher than Peers by 277.62

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
304.18
156.16
286.61
69.42
-590.31
Peer Median
26.56
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

49.49

Higher than Peers by 8.41

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
49.49
238.44
219.28
62.36
-544.76
Peer Median
41.08
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

307.14

Higher than Peers by 212.74

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
307.14
2.38
2.04
0.65
-5.35
Peer Median
94.41
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

1.89

Lower than Peers by 11.44

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
1.89
--
--
--
--
Peer Median
13.33
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.93

Higher than Peers by 0.62

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
0.93
0.21
0.41
2.08
1.67
Peer Median
0.31
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.36

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
0.36
0.21
0.00
0.00
0.00
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

4.22

Higher than Peers by 2.10

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
4.22
3.83
8.05
10.81
8.47
Peer Median
2.13
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

4.22

Higher than Peers by 2.13

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
4.22
--
--
--
8.45
Peer Median
2.09
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

29.59

Higher than Peers by 23.66

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
29.59
24.86
8.55
-3.11
-13.02
Peer Median
5.93
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

36.08

Higher than Peers by 23.73

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
36.08
53.65
50.67
43.55
50.86
Peer Median
12.35
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

1.18

Higher than Peers by 0.93

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
1.18
1.41
1.17
0.84
0.87
Peer Median
0.25
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
155.93
151.91
152.98
136.58
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
--
--
4.94
89.05
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
37.44
34.37
50.28
139.84
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
--
--
107.64
85.80
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

20.92

Lower than Peers by 34.67

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
20.92
16.33
21.67
-2.17
-0.03
Peer Median
55.58
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

21.69

Higher than Peers by 17.50

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
21.69
9.07
6.85
1.21
0.03
Peer Median
4.19
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

20.34

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
20.34
17.30
16.30
-4.20
0.09
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

4,144

Higher than Peers by 3,398

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Dave Inc (DAVE)
4,144
--
--
--
--
Peer Median
746
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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