Dave (DAVE) EBT Margin (2021 - 2026)
Dave's (DAVE) quarterly EBT Margin came in at 8.59% in Q2 2026, down 14.0% year-over-year from 9.99% in Q2 2025, and down 80.6% quarter-over-quarter from 44.29% in Q1 2026.
Analysis
Dave (DAVE) EBT Margin (2021 - 2026) Analysis & Trends
Dave has disclosed EBT Margin across 6 years of filings, most recently posting 8.59% for Q2 2026.
- In Q2 2026, EBT Margin fell 14.0% year-over-year to 8.59%; the TTM figure through Jun 2026 stood at 32.24% (up 1752.0% YoY), while the FY2025 annual figure was 30.32%, up 1293.0% from the prior year.
- EBT Margin came in at 8.59% for Q2 2026 at Dave, down from 44.29% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 50.86% in Q1 2024 to a low of 83.58% in Q3 2022.
- Average EBT Margin over 5 years is 4.94%, with a median of 3.31% recorded in 2024.
- Year-over-year, EBT Margin slumped 8848 bps in 2022 and soared 7464 bps in 2024.
- Over 5 years, EBT Margin stood at 36.24% in 2022, then jumped by 101 bps to 0.38% in 2023, then surged by 4512 bps to 17.35% in 2024, then soared by 126 bps to 39.23% in 2025, then sank by 78 bps to 8.59% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 8.59% in Q2 2026, 44.29% in Q1 2026, and 39.23% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 4.19% |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 21.70% |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 8.59% |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 14.43% |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 4.92% |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | -7.02% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 8.59% |
| Mar 31, 2026 | 44.29% |
| Dec 31, 2025 | 39.23% |
| Sep 30, 2025 | 38.77% |
| Jun 30, 2025 | 8.73% |
| Mar 31, 2025 | 31.37% |
| Dec 31, 2024 | 17.35% |
| Sep 30, 2024 | 0.91% |
| Jun 30, 2024 | 5.71% |
| Mar 31, 2024 | 50.86% |
| Dec 31, 2023 | 0.38% |
| Sep 30, 2023 | -18.30% |
| Jun 30, 2023 | -36.92% |
| Mar 31, 2023 | -23.79% |
| Dec 31, 2022 | -36.24% |
| Sep 30, 2022 | -83.58% |
| Jun 30, 2022 | -59.15% |
| Mar 31, 2022 | -77.02% |
| Dec 31, 2021 | -36.67% |
| Sep 30, 2021 | -19.64% |