Dave Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Dave Inc.'s yearly results (2022–2025), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 93% of Technology companies in United States.
- Self-Funding Ratio: Over the last 3 years its own operating cash covered its investment spending (capex) 19.6 times. Higher than 92% of Technology companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 88% of Technology companies in United States.
Where $100 of sales goes
Latest year (Dec 2025). Taxes and other income are not shown, so the parts need not add up to 100.
Cash quality
Profit Cash Ratio
$219Over the last 3 years, every $100 of reported profit came with $219 of operating cash.
Higher than 74% of Technology companies in United States.
Self-Funding Ratio
19.6×Over the last 3 years its own operating cash covered its investment spending (capex) 19.6 times.
Higher than 92% of Technology companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 93% of Technology companies in United States.
Growth Efficiency Ratio
$93Sales grew 171% in 3 years; of every extra $100 of sales, $93 became extra profit.
Higher than 85% of Technology companies in United States.
Asset Productivity Ratio
+171% / +52%In 3 years sales changed by +171% while total assets changed by +52%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
3.9×Debt due within a year is covered 3.9 times by its yearly operating cash.
Higher than 52% of Technology companies in United States.
Cash Cushion Ratio
+1%Cash, after subtracting all debt, equals 1% of its market value (net cash).
Higher than 52% of Technology companies in United States.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 86% of Technology companies in United States.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 88% of Technology companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (14)
Dave Inc. owes $0.64 for every $1 it owns. Net profit rose 238% in the year to Dec 2025.
Compared with Technology companies in United States · latest annual results Dec 2025.
P/E ratio
24.7Investors pay $24.7 for every $1 of Dave Inc.'s yearly profit, lower than 63% of Technology companies in United States.
P/B ratio
23.46The share price is 23.46 times Dave Inc.'s book value per share, higher than 95% of Technology companies in United States.
Market cap
$4.9 BThe total market value of all of Dave Inc.'s shares at today's price (share price × number of shares), larger than 68% of Technology companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$208 MWhat Dave Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$16.30Net worth divided by the number of shares. The share price of $382.39 is 23.5 times this, which is the P/B above.
Return on equity (ROE)
104.8%Dave Inc. earned 104.8% on its shareholders' money over the last year, higher than 97% of Technology companies in United States.
Owes vs Owns
0.64×Dave Inc. owes $0.64 for every $1 it owns (moderate), higher than 69% of Technology companies in United States.
Dividend yield
NoneDave Inc. does not currently pay a dividend.
Revenue growth
+60%Revenue rose 60% in the year to Dec 2025, and grew 39% a year on average over 3 years.
Profit growth
+238%Net profit rose 238% in the year to Dec 2025.
Profit margin
35.3%Dave Inc. keeps $35 of every $100 of revenue as net profit.
Cash quality
1.5×Cash from Dave Inc.'s business was 1.5× its reported profit in the year to Dec 2025 — its profit turned into cash.
Interest cover
26.5×Dave Inc.'s operating profit covered its interest costs 26.5 times in the year to Dec 2025.
Cash vs debt
Net cashDave Inc. held $46 M more cash than debt (net cash) at Dec 2025.
Questions
What is Dave Inc.'s P/E ratio?
Investors pay $24.7 for every $1 of Dave Inc.'s yearly profit, lower than 63% of Technology companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Dave Inc.: $4.9 B ÷ $208 M (30 Jun 2026) = 23.5.
What is Dave Inc.'s return on equity?
Dave Inc. earned 104.8% on its shareholders' money over the last year, higher than 97% of Technology companies in United States.
How much does Dave Inc. owe compared with what it owns?
Dave Inc. owes $0.64 for every $1 it owns (moderate), higher than 69% of Technology companies in United States.
Does Dave Inc. pay a dividend?
No. Dave Inc. does not currently pay a dividend.
Is Dave Inc.'s revenue growing?
Revenue rose 60% in the year to Dec 2025, and grew 39% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.