Dave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.

Dave Inc.

Payactiv offers a Financial Wellness platform that provides Earned Wage Access and various financial tools to help employees manage their finances. The platform aims to help users access wages as they earn them and mitigate financial vulnerability.

Payactiv

Wollit is a credit building app that offers credit building plans starting from £7.99 per month. The app claims to help users get the credit they need with a 2-minute setup process and no credit check required.

Wollit

Carrot is a leading global fertility benefits platform that provides comprehensive support and access to care for fertility preservation, male-factor infertility, IVF, pregnancy and postpartum, adoption, gestational surrogacy, menopause, and more. They offer personalized care for every fertility and family-building journey, with a deeply vetted clinic and agency network, complete telehealth and care navigation platform, and a focus on improving pregnancy outcomes.

Tammy Sun

Asima Ahmad

Juli Insinger

Arun Venkatesan

Carrot

Dave provides a mobile banking app that offers services such as checking accounts with early paycheck access, cash advances, and savings accounts with competitive interest rates. The app also features a side hustle board for job opportunities.

Metric
Company Name	Dave Inc.	Payactiv	Wollit	Carrot
Symbol	DAVE
MSH ID	COM:DAVE	COM:PAYACTIV	COM:WOLLIT	COM:GET-CARROT
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Technology	Financial Services & Finance	Financial Services & Finance	Healthcare & Health Services
Industry	Software - Application	Fintech	Financial Technology (Fintech)	Healthcare & Health Services
Country	US	US	GB
Stage
Employee Count	285	251	10	251
Website	dave.com	payactiv.com	wollit.com	get-carrot.com
LinkedIn			wollit
Founders

Metric
Market Cap	429.68M
Enterprise Value
Monthly Web Traffic	1.97M	329.07K
Web Traffic Growth	0.45	-0.20
Valuation
Raised Capital	50M

Metric
Revenue	259.09M
Revenue (LTM)
Revenue (NTM)
Gross Profit	135.26M
EBITDA	-36.66M
Operating Income	-42.20M
Net Income	-48.52M
EPS	-4.07
Diluted EPS	-4.07
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.80
Operating Profit Margin	-0.37
EBITDA Margin	-0.14
Net Profit Margin	0.10
Return on Equity	0.26
Return on Assets	0.12
Return on Capital Employed	-0.50

COM:DAVE

Dave

Last Close

82.42

22/11 21:00

Market Cap

429.68M

Beta: -

Volume Today

600.65K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-3.77
P/B Ratio	3.34
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.50
EV Multiple	58.09

Metric
Days Sales Outstanding	144.37
Days Payables Outstanding	111.74
Days Inventory Outstanding
Operating Cycle	159.53
Cash Conversion Cycle	126.40
Asset Turnover	1.18

Metric
Operating Cash Flow	33.75M
Free Cash Flow	25.17M
Cash Flow to Debt	56.16
Operating Cash Flow/Sales	0.26
Free Cash Flow Yield	0.02

Metric
Cash & Equivalents	41.76M
Accounts Receivable	-4.08M
Inventory
Goodwill
Debt to Capitalization	0.67
Debt to Assets	0.61
Current Ratio	7.98
Quick Ratio	10.50

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.11
R&D to Revenue
SG&A to Revenue	0.38