Dave Inc (DAVE)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Quality & Screener
AI Rating
Uses AIDave setzt KI umfassend operativ ein — das proprietäre KI-Underwriting CashAI, den KI-Chatbot DaveGPT und KI-Betrugserkennung —, verkauft KI aber nicht als eigenständiges bezahltes Produkt: Die Umsätze stammen aus Overdraft-Gebühren (ExtraCash), Interchange (Dave Checking) und Abo-Gebühren.
View the full file — quotes, sources, reviewed filings
„We use our proprietary AI-powered underwriting engine, CashAI, to evaluate each Member's cash flow in real-time, enabling us to extend credit responsibly while maintaining strong unit economics."
Wir nutzen unsere proprietäre KI-gestützte Underwriting-Engine CashAI, um den Cashflow jedes Mitglieds in Echtzeit zu bewerten, was es uns ermöglicht, Kredite verantwortungsvoll zu vergeben und zugleich starke Stückkosten-Ökonomie zu wahren.
„Automated Member Support: DaveGPT, our AI-powered chatbot, enables efficient self-service resolution for a broad range of Member inquiries, improving response times while reducing operational costs."
Automatisierter Mitglieder-Support: DaveGPT, unser KI-gestützter Chatbot, ermöglicht die effiziente Selbstbedienungs-Lösung einer breiten Palette von Mitglieder-Anfragen, verbessert die Antwortzeiten und senkt zugleich die Betriebskosten.
„By leveraging world-class technology and harnessing the power of data and artificial intelligence, we believe that we have dramatically reduced the costs to serve customers in this market."
Durch den Einsatz von Weltklasse-Technologie und die Nutzung der Kraft von Daten und Künstlicher Intelligenz haben wir nach unserer Überzeugung die Kosten für die Betreuung der Kunden in diesem Markt dramatisch gesenkt.
„We manage credit risk through CashAI, our proprietary AI-powered underwriting engine."
Wir steuern das Kreditrisiko über CashAI, unsere proprietäre KI-gestützte Underwriting-Engine.
Filings Reviewed: 10-Q 2026-05-05 · 10-Q 2025-11-04 · 10-Q 2025-08-06 · 10-Q 2025-05-08 · 10-K 2026-03-02 · 10-K 2025-03-04
Rated on July 7, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2023: Q2 | -1.90 | 18.50 | 61 | 33.60 | -36.90 | 10 | 7 |
| 2023: Q3 | -1.01 | 75.00 | 66 | 15.80 | -18.40 | 15 | 14 |
| 2023: Q4 | 0.01 | 100.50 | 73 | 22.40 | 0.30 | 16 | 14 |
| 2024: Q1 | 2.60 | 320.30 | 74 | 25.00 | 46.50 | 18 | 17 |
| 2024: Q2 | 0.47 | 124.70 | 80 | 30.90 | 8.00 | 28 | 26 |
| 2024: Q3 | 0.03 | 103.00 | 93 | 40.60 | 0.50 | 37 | 35 |
| 2024: Q4 | 1.16 | 8,062.80 | 101 | 37.90 | 16.70 | 42 | 40 |
| 2025: Q1 | 1.97 | -24.40 | 108 | 46.70 | 26.70 | 45 | 44 |
| 2025: Q2 | 0.62 | 32.30 | 132 | 64.50 | 6.90 | 68 | 68 |
| 2025: Q3 | 6.34 | 18,852.70 | 151 | 63.00 | 61.10 | 83 | 85 |
| 2025: Q4 | 4.57 | 292.00 | 164 | 62.40 | 40.30 | 93 | 92 |
| 2026: Q1 | 4.02 | 104.50 | 158 | 46.70 | 36.60 | 82 | 82 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Dave Inc. bietet über seine Finanzdienstleistungsplattform verschiedene Finanzprodukte und -dienstleistungen in den USA an.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 280 |
| Headquarters | Los Angeles, CA |
| Website | dave.com |
| IPO Date | 26. Apr 2021 |
| Next Earnings | 5. Aug 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Jason Wilk | Co-Founder, CEO, President & Chairman | 1987 |
| Kyle Beilman | COO, CFO & Secretary | 1989 |
| Gopi Kuchimanchi | Vice President of Technology | – |
| Joan Aristei J.D. | Chief Legal Officer | 1960 |
| Kevin Frisch | Chief Marketing Officer | – |
| Amanda Wilson | VP of People | – |
| Grahame Fraser | Head of Product Management | – |
| Parker Barrile | Chief Product Officer | 1983 |
| Ryan Imai | Director & Corporate Controller | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.