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NASDAQ:DAVE
Dave Stock Earnings Reports
$85.91
+2.54 (+3.05%)
At Close: Apr 23, 2025
Dave Earnings Calls
Q1 2025
(Upcoming)
| Release date | May 06, 2025 |
| EPS estimate | $1.54 |
| EPS actual | - |
| Revenue estimate | 93.6M |
| Revenue actual | - |
| Expected change | +/- 14.67% |
Q4 2024
Beat
$2.04 (87.16%)
| Release date | Mar 03, 2025 |
| EPS estimate | $1.09 |
| EPS actual | $2.04 |
| EPS Surprise | 87.16% |
| Revenue estimate | 90.28M |
| Revenue actual | 100.84M |
| Revenue Surprise | 11.70% |
Q3 2024
Beat
$1.51 (208.16%)
| Release date | Nov 12, 2024 |
| EPS estimate | $0.490 |
| EPS actual | $1.51 |
| EPS Surprise | 208.16% |
| Revenue estimate | 80.7M |
| Revenue actual | 92.489M |
| Revenue Surprise | 14.61% |
Q2 2024
Beat
$1.01 (741.67%)
| Release date | Aug 05, 2024 |
| EPS estimate | $0.120 |
| EPS actual | $1.01 |
| EPS Surprise | 741.67% |
| Revenue estimate | 75.5M |
| Revenue actual | 80.117M |
| Revenue Surprise | 6.12% |
Last 4 Quarters for Dave
Below you can see how DAVE performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
Q2 2024
Beat
| Release date | Aug 05, 2024 |
| Fiscal end date | Jun 30, 2024 |
| Price on release | $30.58 |
| EPS estimate | $0.120 |
| EPS actual | $1.01 |
| EPS surprise | 741.67% |
| Date | Price |
|---|---|
| Jul 30, 2024 | $34.34 |
| Jul 31, 2024 | $36.36 |
| Aug 01, 2024 | $34.81 |
| Aug 02, 2024 | $33.31 |
| Aug 05, 2024 | $30.58 |
| Aug 06, 2024 | $31.21 |
| Aug 07, 2024 | $31.46 |
| Aug 08, 2024 | $31.98 |
| Aug 09, 2024 | $30.53 |
| 4 days before | -10.95% |
| 4 days after | -0.164% |
| On release day | 2.06% |
| Change in period | -11.09% |
Q3 2024
Beat
| Release date | Nov 12, 2024 |
| Fiscal end date | Sep 30, 2024 |
| Price on release | $62.80 |
| EPS estimate | $0.490 |
| EPS actual | $1.51 |
| EPS surprise | 208.16% |
| Date | Price |
|---|---|
| Nov 06, 2024 | $45.87 |
| Nov 07, 2024 | $45.91 |
| Nov 08, 2024 | $53.00 |
| Nov 11, 2024 | $59.26 |
| Nov 12, 2024 | $62.80 |
| Nov 13, 2024 | $90.43 |
| Nov 14, 2024 | $79.96 |
| Nov 15, 2024 | $80.06 |
| Nov 18, 2024 | $79.68 |
| 4 days before | 36.91% |
| 4 days after | 26.88% |
| On release day | 44.00% |
| Change in period | 73.71% |
Q4 2024
Beat
| Release date | Mar 03, 2025 |
| Fiscal end date | Dec 31, 2024 |
| Price on release | $95.03 |
| EPS estimate | $1.09 |
| EPS actual | $2.04 |
| EPS surprise | 87.16% |
| Date | Price |
|---|---|
| Feb 25, 2025 | $99.60 |
| Feb 26, 2025 | $103.55 |
| Feb 27, 2025 | $96.74 |
| Feb 28, 2025 | $100.66 |
| Mar 03, 2025 | $95.03 |
| Mar 04, 2025 | $90.38 |
| Mar 05, 2025 | $91.42 |
| Mar 06, 2025 | $83.21 |
| Mar 07, 2025 | $83.36 |
| 4 days before | -4.59% |
| 4 days after | -12.28% |
| On release day | -4.89% |
| Change in period | -16.31% |
Q1 2025
(Upcoming)
| Release date | May 06, 2025 |
| Fiscal end date | Mar 30, 2025 |
| Price on release | - |
| EPS estimate | $1.54 |
| EPS actual | - |
| Date | Price |
|---|---|
| Apr 16, 2025 | $82.17 |
| Apr 17, 2025 | $84.27 |
| Apr 21, 2025 | $80.66 |
| Apr 22, 2025 | $83.37 |
| Apr 23, 2025 | $85.91 |
Dave Earnings Call Transcript Summary of Q4 2024
Record Performance
Dave achieved a record-setting Q4 2024 with over $100 million in quarterly revenue and more than $30 million in adjusted EBITDA for the first time. This partnership will support the launch of next-generation products aimed at expanding access to financial services.
Financial Guidance for 2025
- Expected GAAP revenue between $415 million and $435 million, representing growth of 20% to 25% compared to 2024.
- Adjusted EBITDA is anticipated to reach $110 million to $120 million, indicating growth of 27% to 39%.
Operating Efficiency
- Notable improvements in operational margins, with a variable profit margin of 72%, indicating successful scaling of operations against fixed costs.
- Focus on maintaining low provision for credit losses while managing increased transaction volumes.
Future Product Development
- Plans for further investment in product development with an eye toward launching longer-duration credit products that meet customer needs beyond short-term borrowing.
Capital Allocation Strategy
- Management indicated plans to use free cash flow for stock buybacks as a way to manage dilution. They'll also explore potential M&A opportunities to further advance their growth strategy.
Conclusion
The overall outlook for Dave remains optimistic, with a clear strategy to enhance member value and expand offerings while achieving sustainable growth. Investors are encouraged to monitor the successful implementation of the new fee structure and ongoing product developments to maximize potential returns.
Dave Earnings History
Earnings Calendar
FAQ
When is the earnings report for DAVE?
Dave (DAVE) has scheduled its earnings report for May 06, 2025 before the markets open.
What is the DAVE price-to-earnings (P/E) ratio?
DAVE P/E ratio as of Apr 23, 2025 (TTM) is 17.45.
What is the DAVE EPS forecast?
The forecasted EPS (Earnings Per Share) for Dave (DAVE) for the first fiscal quarter 2025 is $1.54.
What are Dave's retained earnings?
On its balance sheet, Dave reported retained earnings of $100.84 million for the latest quarter ending Dec 31, 2024.
What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.
Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.
What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
