Dave (DAVE) FCF Margin (2021 - 2026)
Dave's (DAVE) quarterly FCF Margin came in at 38.6% in Q2 2026, down 1187.0% year-over-year from 3.55% in Q2 2025, and down 24.02% quarter-over-quarter from 50.81% in Q1 2026.
Analysis
Dave (DAVE) FCF Margin (2021 - 2026) Analysis & Trends
Dave has disclosed FCF Margin across 6 years of filings, most recently posting 38.6% for Q2 2026.
- In Q2 2026, FCF Margin fell 1187.0% year-over-year to 38.6%; the TTM figure through Jun 2026 stood at 49.65% (up 680.0% YoY), while the FY2025 annual figure was 51.17%, up 1722.0% from the prior year.
- FCF Margin came in at 38.6% for Q2 2026 at Dave, down from 50.81% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 55.97% in Q4 2025 to a low of 35.58% in Q2 2022.
- Average FCF Margin over 5 years is 19.48%, with a median of 27.52% recorded in 2024.
- Year-over-year, FCF Margin tumbled 4049 bps in 2022 and soared 4931 bps in 2023.
- Over 5 years, FCF Margin stood at 10.19% in 2022, then jumped by 283 bps to 18.64% in 2023, then surged by 113 bps to 39.6% in 2024, then surged by 41 bps to 55.97% in 2025, then plunged by 31 bps to 38.6% in 2026.
- Per Business Quant data, the three most recent FCF Margin figures were 38.6% in Q2 2026, 50.81% in Q1 2026, and 55.97% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | -179.53% |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 40.13% |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 38.60% |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 24.47% |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | - |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | 15.51% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 38.60% |
| Mar 31, 2026 | 50.81% |
| Dec 31, 2025 | 55.97% |
| Sep 30, 2025 | 54.10% |
| Jun 30, 2025 | 50.48% |
| Mar 31, 2025 | 40.63% |
| Dec 31, 2024 | 39.60% |
| Sep 30, 2024 | 38.14% |
| Jun 30, 2024 | 32.29% |
| Mar 31, 2024 | 22.75% |
| Dec 31, 2023 | 18.64% |
| Sep 30, 2023 | 20.59% |
| Jun 30, 2023 | 12.34% |
| Mar 31, 2023 | -15.06% |
| Dec 31, 2022 | -10.19% |
| Sep 30, 2022 | -28.73% |
| Jun 30, 2022 | -35.58% |
| Mar 31, 2022 | -34.71% |
| Dec 31, 2021 | -16.43% |
| Sep 30, 2021 | 8.12% |