What is the 13F Pro Quality Score for DAVE?

13F Pro ranks Dave Inc./DE (DAVE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View DAVE's current score at https://13fpro.ai/research/DAVE (free sign-up required for the full ranking).

Where does 13F Pro source DAVE data?

All Dave Inc./DE fundamentals and ownership data come directly from SEC EDGAR. Dave Inc./DE files with the SEC under CIK 1841408. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is DAVE in?

Dave Inc./DE (DAVE) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives DAVE's revenue?

Per Dave Inc./DE's latest 10-Q filed with the SEC on 2026-05-05, the biggest revenue drivers are: Service based revenue, net ($147.6M, +51% YoY); Transaction based revenue, net ($10.8M, +7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/DAVE.

What are DAVE's largest expenses?

Dave Inc./DE's latest 10-Q reports these as the largest expense items: Provision for credit losses ($26.6M, +151% YoY); Compensation and benefits ($27.6M, +1% YoY); Advertising and activation costs ($14.3M, +20% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is DAVE research updated on 13F Pro?

DAVE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Dave Inc./DE(DAVE)Stock Analysis

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13F Pro Quality Score

78.1/100

Rank #71 of 2,879 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

91.4/100

Profitability

93.0/100

Balance Sheet

99.3/100

Earnings Quality

30.0/100

Free Cash Flow

92.8/100

Institutional Flow

79.1/100

Revenue Scale

38.3/100

Dilution Risk

24.7/100

DAVE Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Dave Inc./DE (DAVE), a Financials sector company. 13F Pro's AI-powered ranking engine scores DAVE at 78.1/100 on a 32-signal composite quality model, placing it at rank #71 of 2,879 stocks — the top 5% of the AI-ranked universe. DAVE scores in the top quartile across balance sheet strength (99.3), profitability (93.0), free cash flow (92.8). Areas of concern include earnings quality (30.0) and revenue scale (38.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 24.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Dave Inc./DE reports quarterly revenue of $158.4M, net income of $57.9M, free cash flow of $82.0M. Top institutional holders of DAVE by reported 13-F value include Hood River Capital Management, BlackRock,, Divisadero Street Capital Management,, based on the most recent SEC filings. DAVE trades on the Nasdaq exchange and files with the SEC under CIK 1841408. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate DAVE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Dave Inc./DE directly from SEC EDGAR. Dave Inc./DE's 13F Pro composite quality score has ranged between 25 and 81 since 2023, currently 78.1 — an improving long-term trajectory across 20 quarterly and live scoring snapshots.

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Fun facts about Dave Inc./DE

Quirks, history, and lore behind DAVE — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. fintech company · listed on Nasdaq · headquartered in Los Angeles, California · serves everyday consumers who live paycheck to paycheck.
2
The Numbers
A small-cap company with revenue in the low hundreds of millions annually, it has built a member base of millions of users who rely on it to avoid bank overdraft fees.
3
The History
Founded around 2017, it went public via a SPAC merger — the trendy blank-check route that was all the rage in the early 2020s.
4
The Secret
Its flagship product lets members borrow small cash advances — think $250 or less — with no interest, making its money through optional tips and subscription fees.
5
The Lore
The company's mascot and branding lean heavily on a friendly bear — a nod to its mission of protecting members from the financial jungle, not mauling them like big banks do.
6
The Giveaway
Its name is a friendly first-person pronoun, its ticker is four letters that rhyme with it, and its whole pitch is: "We've got your back" — like a buddy who floats you cash until payday.

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What's Driving DAVE's Business? Latest 10-Q Breakdown

✓ 31/31 datapoints verified

AI-extracted from Dave Inc./DE's 10-Q filed 2026-05-05 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Dave delivered strong Q1 2026 profitability with $57.9M net income and $158.4M revenue (+47% YoY), boosted by ExtraCash origination growth to $2.1B and $200M convertible notes issuance.

Biggest Revenue Drivers

Total revenue: $158.4M+47% YoY

Service based revenue, net$147.6M+51% YoY

Processing and overdraft service fees grew 60% to $133.6M driven by 18% increase in transacting Members and ExtraCash originations of $2.1B; subscription revenue grew 105% to $13.9M from June 2025 fee increase.

Transaction based revenue, net$10.8M+7% YoY

Interchange revenue grew from increased Checking Product adoption and 9% year-over-year card spend growth; ATM revenue decreased slightly due to temporarily reduced fee rates.

Largest Expense Items

Provision for credit losses$26.6M+151% YoY

Higher ExtraCash volume growth from $1.5B to $2.1B and 18% increase in transacting Members, with portfolio maturation and strategic focus on gross profit optimization.

Compensation and benefits$27.6M+1% YoY

Increase in temporary labor and contractor costs of $0.6M offset by $0.4M decrease in stock-based compensation from prior-year vested awards.

Advertising and activation costs$14.3M+20% YoY

Continued investment in Member acquisition with improved customer acquisition cost of approximately $18 and payback periods of nearly three months.

Processing and servicing costs$9.6M+37% YoY

Cost increase driven by ExtraCash origination volume growth from $1.5B to $2.1B.

Margins: Gross operating margins benefited from strong revenue growth, though compressed by 151% increase in provision for credit losses reflecting portfolio expansion. Non-GAAP Adjusted EBITDA of $69.3M increased 57% YoY, demonstrating underlying profitability improvement despite credit reserve build-out associated with $2.1B ExtraCash origination volume.

Watch Items from the Filing

DOJ lawsuit alleging FTC Act violations and deceptive practices related to ExtraCash product; Company accrued $7.9M for probable and reasonably estimable legal contingencies.
$75M Debt Facility matures December 2026; Company exploring refinancing, extension, or repayment from cash and operating flows; currently in compliance with all covenants after July 2025 Fifth Amendment removed LTV ratio covenant.
ExtraCash receivables aged over 120 days increased $13M provision expense reflecting portfolio maturation; historical loss rates remained stable but dependent on macroeconomic conditions and employment trends.
Issued $200M convertible notes due 2031 at 0% with $17.3M capped call hedges; repurchased $186.7M shares in Q1 2026, reducing net working capital liquidity despite $193.4M net proceeds.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$158.4M

Net Income

Q1 2026

$57.9M

Free Cash Flow

Q1 2026

$82.0M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+59.7% YoY

$554.2MFY 2025

FY22 $204.8MFY23 $259.1MFY24 $347.1MFY25 $554.2M

Net Income

+238.7% YoY

$196.0MFY 2025

FY22 $-128.9MFY23 $-48.5MFY24 $57.9MFY25 $196.0M

EPS (Diluted)

+222.9% YoY

$13.53FY 2025

FY22 $-0.35FY23 $-4.07FY24 $4.19FY25 $13.53

Total Assets

+62.8% YoY

$487.4MFY 2025

FY22 $321.5MFY23 $294.0MFY24 $299.3MFY25 $487.4M

Total Debt

-100.0% YoY

$0.00FY 2025

FY22 $75.0MFY23 $75.0MFY24 $75.0MFY25 $0.00

Op. Cash Flow

+131.8% YoY

$290.0MFY 2025

FY22 $-44.9MFY23 $33.8MFY24 $125.1MFY25 $290.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020
Revenue	$554.2M +59.7%	$347.1M +34.0%	$259.1M +26.5%	$204.8M	—
Net Income	$196.0M +238.7%	$57.9M +219.3%	$-48.5M +62.4%	$-128.9M	—
EPS (Diluted)	$13.53 +222.9%	$4.19 +202.9%	$-4.07 -1071.2%	$-0.35	—
Total Assets	$487.4M +62.8%	$299.3M +1.8%	$294.0M -8.5%	$321.5M	—
Total Debt	$0.00 -100.0%	$75.0M +0.0%	$75.0M +0.0%	$75.0M	—
Operating Cash Flow	$290.0M +131.8%	$125.1M +270.7%	$33.8M +175.2%	$-44.9M	—

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Available Research

13F Pro tracks comprehensive data for Dave Inc./DE including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of DAVE

Hood River Capital Management LLC
$199.5M1,145,901 sh
BlackRock, Inc.
$144.3M828,597 sh
Divisadero Street Capital Management, LP
$111.6M640,840 sh
VANGUARD CAPITAL MANAGEMENT LLC
$87.7M503,528 sh
Divisadero Street Capital Management, LP
$84.4M485,000 sh
RENAISSANCE TECHNOLOGIES LLC
$75.2M431,800 sh
GEODE CAPITAL MANAGEMENT, LLC
$56.8M326,340 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$56.0M321,791 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$50.7M291,100 sh
DIMENSIONAL FUND ADVISORS LP
$44.1M253,173 sh

Fund	Value	Shares
Hood River Capital Management LLC	$199.5M	1,145,901
BlackRock, Inc.	$144.3M	828,597
Divisadero Street Capital Management, LP	$111.6M	640,840
VANGUARD CAPITAL MANAGEMENT LLC	$87.7M	503,528
Divisadero Street Capital Management, LP	$84.4M	485,000
RENAISSANCE TECHNOLOGIES LLC	$75.2M	431,800
GEODE CAPITAL MANAGEMENT, LLC	$56.8M	326,340
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$56.0M	321,791
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$50.7M	291,100
DIMENSIONAL FUND ADVISORS LP	$44.1M	253,173

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Is DAVE a good stock to buy?

13F Pro's AI-powered analysis of Dave Inc./DE (DAVE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for DAVE are available on the DAVE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own DAVE?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling DAVE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Dave Inc./DE's investment landscape.