Dave Inc.
Dave Inc. is classed by the SEC under Finance Services (industry code 6199), based in Los Angeles, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $554 million and a profit of $196 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.5 out of ten, 8 of 9 metrics filed and 1 estimated: past 5.0 out of ten, present 7.4 out of ten, future 7.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 3.2 out of ten. 8 warning events since 2021; the latest 2022-08-12. 32nd percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.5 out of ten. +38% a year over 5 filed years; profitable in 2 of 5. 75th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 5.9 out of ten. Share count grew 7.7% a year. 10% of cash flow returned. Insiders: 111 sales, 0 purchases. 59th percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 7.9 out of ten. ROE 56%: 56¢ of profit per shareholder dollar. Leverage 28%: owes 28¢ per asset dollar. 79th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.0 out of ten. top 20% of 114 in its family; net margin 35.3%. 80th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.5 out of ten. CrossAssetData estimate 5.5/10, confidence 35 of 100 (one part). 55th percentile among 93 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Room to expand (future): 8.3 out of ten. top 17% of 108 in its family for room to expand. 83rd percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.2 out of ten. top 38% of 100 in its family for growth drivers. 62nd percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 8.1 out of ten. top 19% of 79 in its family for expectations against reality. 81st percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-02 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 144, 2026-09-16. Filings on record since 2021. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Processing and Overdraft Service Fees Net 84%, Subscriptions 7%, Interchange Revenue Net 4%, Transaction Based Revenue Other Net 3%, Tips 1%, Atm Revenue Net under 1%. As tagged in its annual report (Form 10-K, filed 2026-03-02).
Who runs it
Wilk, Jason (Chief Executive Officer); Carroll, Brendan (Co-Chief Executive Officer); Beilman, Kyle (CFO and COO and Secretary); Rozov, Yadin (director); Preston, Dan (director); Khajehnouri, Nima (director); Pope, Michael W (director); Mitchell, Andrea (director); Khan, Imran (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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