Dave Inc (DAVE) FinancialsDAVEFinancialDave Inc

Dave Inc. (DAVE) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Transaction Based Revenue Other Net, accounting for 100.0% of total sales, equivalent to $158.41M. Other significant revenue streams include Processing and overdraft service fees, net and Subscriptions. Understanding this composition is critical for investors evaluating how DAVE navigates market cycles within the Financial Technology (Fintech) industry.

Evaluating the bottom line, Dave Inc. maintains a gross margin of 100.00%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 32.32%, while the net margin is 3.92%. These profitability ratios, combined with a Return on Equity (ROE) of 104.78%, provide a clear picture of how effectively DAVE converts its operational activities into shareholder value.

In the context of the broader market, DAVE competes directly with industry leaders such as FFIN and FULT. With a market capitalization of $4.75B, it holds a significant position in the sector. When comparing efficiency, DAVE's gross margin of 100.00% stands against FFIN's N/A and FULT's N/A. Such benchmarking helps identify whether Dave Inc. is trading at a premium or discount relative to its financial performance.

Dave has shown consistent revenue growth, with Q2 2026 revenue up 30% year-over-year and a raised full-year guidance of $725 million to $735 million, indicating strong financial health.