Dave Inc. (DAVE) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$334.80 +3.75% NASDAQ • Public Delayed / 60s Snapshot

Dave Inc. (DAVE) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (41% profit margin, 55% return on capital) with steady institutional support. Even if the broader market gets choppy, the company’s underlying cash engine and big-money support put the odds in buyers’ favor.

ROARABLE B • BUY Cap $4.27B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERBUY • B
025507510075
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw B- · Rk A-
Cash (20)Whales (10)SEC (16)Macro (17)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+7.6% Base Target
$481 Bull$360 Base$275 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:59% Call Buyers ($2.6M)
41% PutsMax Pain: $328.00
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How DAVE Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$289.7M (52.3% FCF Margin)
Revenue$554.2MGross Profit $243.8M (44%)Cost of Sales $310.3MOp Profit $231.3M (41.7%)OpEx (R&D/SG&A) $12.6MNet Profit$196.0M (35.4%)Tax/Other $35.3M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $259.1M
FY24
Rev $347.1M
FY25
Rev $554.2M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$554.2M44%41.7%$196.0M$289.7M67.1%
FY 2024$347.1M44%19.7%$58.0M$124.9M25.9%
FY 2023$259.1M44%-22.3%-$49.0M$22.1M-3.2%
🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher & Guest Forensic Quant Desk

Red-Light Warning Desk: How Pros Profit When Overhyped Stocks Crack (Featuring DAVE)

  • ✓Live walkthrough of DAVE's RQD Radar, SEC cash-conversion gap & downside levels
  • ✓3 asymmetric Bear/Hedge setups institutions use when 10-year yields stay elevated
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RQD INSIDER CLUB UPGRADE$49/YEAR
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DAVE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.47%🛡️ HOLDING TREND SUPPORT
2026-10-30O $330.0H $330.0L $308.6C $316.8VOL 384.5K
RES: $379.2SUP: $317.2SMA50: $353.5SMA200: $287.1
$475.7$403.4$331.1$258.8$186.5RES $379.2SUP $317.2$316.82026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DAVE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
15.5%/yr Implied 5Y Growth

vs. +59.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on DAVE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DAVE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for DAVE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DAVE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Dave Inc. (DAVE)?

In FY 2025 (10-K), DAVE converted $554.2M of revenue into a 44% gross margin, 41.7% operating margin, and $289.7M in free cash flow (52.3% FCF margin).