Dave
Provides paycheck-gap credit, digital checking, and subscription money-management tools through one mobile app.
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Profile
Provides short-term paycheck-gap credit through ExtraCash, Dave Checking deposit accounts, and subscription financial tools, earning mainly ExtraCash service fees alongside membership and transaction revenue. Uses transaction-level cash-flow underwriting and depends on partner banks to provide accounts, credit, and payment-network access.
Provides short-term paycheck-gap credit through ExtraCash, a digital demand-deposit account through Dave Checking, and subscription tools for budgeting, automated savings, and flexible-work discovery. ExtraCash uses CashAI to analyze linked checking-account transactions, set eligibility and limits without bureau scores, and schedule settlement around expected deposits.
Earns mainly service fees tied to ExtraCash, plus monthly membership fees and interchange, deposit interest, and other transaction revenue from Dave Checking. Operations and members are U.S.-based, and ExtraCash drives most revenue.
Operates as a financial-technology provider rather than a chartered bank. Evolve Bank & Trust and Coastal Community Bank issue accounts and provide banking and network access, while Galileo processes all ExtraCash, checking, and debit-card transactions.
Company facts
Categories
Key statistics
Year to date +72.6% · Average volume (30d) 429.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 17, 2026 | Piper Sandler | Initiate | Overweight | $390 | |
| Aug 6, 2026 | Lake Street | Reiterate | Buy | $332 | $450 |
| Aug 6, 2026 | Canaccord Genuity | Reiterate | Buy | $342 | $450 |
| Aug 6, 2026 | B.Riley Financial | Target | $449 | ||
| Jul 14, 2026 | UBS | Reiterate | Buy | $300 | $470 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026Q2 FY26 | $3.44 | $0.49 | −85.8% | $171.1M | $170.8M | −0.2% | −15.09% |
| May 5, 2026Q1 FY26 | $2.64 | $4.02 | +52.3% | $152.0M | $158.4M | +4.2% | −6.61% |
| Mar 2, 2026Q4 FY25 | $3.31 | $3.69 | +11.5% | $160.6M | $163.7M | +2.0% | +4.90% |
| Nov 4, 2025Q3 FY25 | $2.29 | $4.24 | +85.2% | $153.0M | $150.7M | −1.5% | +3.79% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $108.0M | $131.8M | $150.7M | $163.7M | $158.4M | $170.8M | |
| Gross profit | $91.2M | $114.5M | $130.8M | $144.0M | $137.7M | $123.7M | |
| Operating income | $35.1M | $41.1M | $45.9M | $64.5M | $59.6M | $52.2M | |
| Net income | $28.8M | $9.0M | $92.1M | $65.9M | $57.9M | $6.7M | |
| Diluted EPS | $1.97 | $0.62 | $6.34 | $4.57 | $4.02 | $0.49 | |
| Gross margin | 84.5% | 86.9% | 86.7% | 87.9% | 86.9% | 72.4% | |
| Operating margin | 32.6% | 31.2% | 30.5% | 39.4% | 37.6% | 30.6% |
Fiscal years (4-quarter sums)FY21 $153.0M · FY22 $204.8M · FY23 $259.1M · FY24 $347.1M · FY25 $554.2M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $252.6M · Total debt $268.5M · Total assets $570.8M · Shareholders' equity $207.9M
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 13.44M · Float 9.76M · 72.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.67M | 12.41% | 13F | Aug 7, 2026 |
| Jason Wilk · director, officer: Chief Executive Officer | 1.61M | 12.01% | Form 4 | Jun 4, 2026 |
| Hood River Capital Management LLC | 1.10M | 8.21% | 13F | Aug 14, 2026 |
| Divisadero Street Capital Management, LP | 699.4K | 5.20% | 13F | Aug 14, 2026 |
| G1 Execution Services, LLC | 613.4K | 5.40% | 13G | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 5, 2026 | Dan Preston | director | −275 | $259.83 |
| Jun 4, 2026 | Dan Preston | director | −275 | $247.65 |
| Jun 2, 2026 | Jason Wilk | director, officer: Chief Executive Officer | −8,474 | $275.05 |
| Jun 2, 2026 | Kyle Beilman | officer: CFO and COO and Secretary | −4,122 | $275.03 |
| Mar 6, 2026 | Andrea Mitchell | director | −15,000 | $210.94 |
Peers
- Chime
Neobank and liquidity rival across checking, MyPay, and SpotMe
- Block
Cash App and Borrow overlap with liquidity and wallet engagement
- SoFi
Full-stack fintech bank contests deposits, lending, and PFM
- Gen Digital
MoneyLion brand keeps a direct financial-wellness app overlap
- Upstart
AI underwriting peer with consumer loans and Cash Line
- LendingClub
Digital marketplace bank overlaps in loans and deposits
- Affirm
App-based pay-over-time credit competes at purchase liquidity
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Dave | $378.71 | −0.06% | $5.09B | 24.5 | 20.8 | 7.9 | +29.6% |
| Chime | $32.96 | −0.63% | $12.65B | — | 52.4 | 5.4 | +26.8% |
| Block | $83.54 | −0.05% | $49.74B | 149.2 | 18.3 | 2.0 | +9.3% |
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Gen Digital | $30.79 | −0.73% | $18.57B | 18.0 | 10.3 | 3.7 | +6.3% |
| Upstart | $29.20 | +0.40% | $2.78B | 56.9 | 16.5 | 2.4 | +41.8% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| Affirm | $77.40 | −0.37% | $26.04B | 70.7 | 44.6 | 6.6 | +33.0% |
| Median | 47.2 | 18.3 | 3.7 | +26.8% |