Event-Driven Stocks

Dave Inc./DE

DAVENasdaq

Financials · Finance Services · SEC filings ↗ · Compare ⊕

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Signs● 5 good● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21
Revenue$554.2M$347.1M$259.1M$204.8M$153.0M
Operating income————−$6.4M
Net income$195.9M$57.9M−$48.5M−$128.9M−$5.3M
Total assets$487.4M$299.3M$294.0M$321.5M$254.6M
Total liabilities$134.7M$116.2M$207.0M$214.9M$30.2M
Equity$352.7M$183.1M$87.1M$106.6M$0
EPS (diluted)$13.53$4.19$-4.07$-11.12$-4.69
Shares out.14.5M13.8M11.9M11.6M4.3M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
35.3%
Return on equity
55.5%
Return on assets
40.2%
Return on capital (ROCE)
—
Liabilities / assets
27.6%
Debt / equity
0.38×
Book value / share
$24.36
Revenue growth (YoY)
59.7%
Net income growth (YoY)
238.4%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−19.3%clean
Piotroski F-Score
5/8mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
93
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 100

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 5 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Strong return on equity (>15%)
  • Revenue is growing year-over-year
  • Conservative leverage (liabilities < 50% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20261.9M3.9+27.3%
Apr 30, 20261.5M2.8+2.3%
Apr 15, 20261.5M2.7+17.4%
Mar 31, 20261.3M2.4+9.6%
Mar 13, 20261.2M1.4+1.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (3)