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DAVE Stock Chart & Stats
$402.81
-$5.78(-1.41%)
At close: 4:00 PM EDT
$402.81
-$5.78(-1.41%)
Day’s Range― - ―
52-Week Range$152.21 - $458.25
Previous CloseN/A
Volume242.57K
Average Volume (3M)562.28K
Market Cap
$4.82B
Enterprise Value$2.60K
Total Cash (Recent Filing)$175.93M
Total Debt (Recent Filing)$268.21M
Price to Earnings (P/E)24.3
Beta2.34
Next Earnings
Aug 05, 2026EPS Estimate
3.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)16.71
Shares Outstanding11,400,165
10 Day Avg. Volume474,597
30 Day Avg. Volume562,281
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)8.39
Price to Sales (P/S)5.34
P/FCF Ratio10.22
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$385.30Price Target Upside-4.35% Downside
Rating ConsensusStrong Buy
Number of Analyst Covering11
EPS Forecast (FY)15.99
Revenue Forecast (FY)$715.07M
Bulls Say, Bears Say
Bulls Say
Free Cash Flow GenerationConsistent free cash flow that closely tracks net income and grew ~13% in the TTM shows earnings translate into cash. Durable cash generation supports R&D and product launches, funds buybacks and reduces external financing needs, strengthening financial flexibility over months.
High Profitability & MarginsSustained high gross margins (mid‑70s guided) and a 44% adjusted EBITDA margin indicate strong unit economics from cash advances and interchange. Robust margin structure creates durable internal capital for reinvestment, supports shareholder returns, and buffers against cyclical credit deterioration.
Scale & MonetizationGrowing scale—nearly 3M monthly transacting members, rising ARPU and originations—strengthens monetization and customer lifetime value. Higher engagement and ARPU improve unit economics and, combined with efficient acquisition and short gross‑profit payback, make scaled growth more self‑funding and durable.
Bears Say
Rising LeverageA sharp rise in debt to $268M and debt/equity of ~1.32x reverses earlier deleveraging and reduces balance‑sheet optionality. Higher leverage increases sensitivity to funding costs, limits capital allocation choices, and raises refinancing and covenant risk in adverse credit cycles over the medium term.
Funding Transition ImpactsMoving ExtraCash receivables to third‑party funding unlocks meaningful liquidity but converts funding fees into operating expense, lowering reported non‑GAAP gross profit. This structural change can compress reported unit economics and complicate margin comparability even if adjusted EBITDA benefits remain.
Regulatory & Competitive RiskAn active DOJ matter plus intensified BNPL and neobank competition present enduring regulatory and market threats. Adverse legal outcomes or aggressive entrant pricing could restrict product features, raise compliance costs, or force margin concessions that impair durable growth and returns.
Dave News
DAVE FAQ
What was Dave Inc.’s price range in the past 12 months?
Dave Inc. lowest stock price was $152.21 and its highest was $458.25 in the past 12 months.
What is Dave Inc.’s market cap?
Dave Inc.’s market cap is $4.82B.
When is Dave Inc.’s upcoming earnings report date?
Dave Inc.’s upcoming earnings report date is Aug 05, 2026 which is in 4 days.
How were Dave Inc.’s earnings last quarter?
Dave Inc. released its earnings results on May 05, 2026. The company reported $4.02 earnings per share for the quarter, beating the consensus estimate of $2.639 by $1.381.
Is Dave Inc. overvalued?
According to Wall Street analysts Dave Inc.’s price is currently Overvalued.
Does Dave Inc. pay dividends?
Dave Inc. does not currently pay dividends.
What is Dave Inc.’s EPS estimate?
Dave Inc.’s EPS estimate is 3.44.
How many shares outstanding does Dave Inc. have?
Dave Inc. has 11,400,165 shares outstanding.
What happened to Dave Inc.’s price movement after its last earnings report?
Dave Inc. reported an EPS of $4.02 in its last earnings report, beating expectations of $2.639. Following the earnings report the stock price went down -6.611%.
Which hedge fund is a major shareholder of Dave Inc.?
Currently, no hedge funds are holding shares in DAVE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Dave Stock Smart Score
Underperform
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Analyst Consensus
Strong Buy
Average Price Target:
$385.30 (-4.35% Downside)
$385.30 (-4.35% Downside)
Blogger Sentiment
Bullish
DAVE Sentiment 92%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 158.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.8%
Last 30 Days ▲ 9.5%
Last 30 Days ▲ 9.5%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
92.74%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
68.07%
Trailing 12-Months
Company Description
Dave Inc.
Dave Inc. manages a digital platform that delivers a comprehensive array of financial products and services. Among its key offerings is "Insights," a personal finance management solution designed to help members monitor their earnings and expenditures between salary payments. The company also provides "ExtraCash," a no-cost alternative to traditional overdrafts or short-term credit, which allows users to advance money to their accounts and bypass associated fees. Furthermore, its platform features "Side Hustle," an integrated portal for job applications. Dave Inc. also includes "Dave Banking," which operates as a digital checking and demand deposit account. Established in 2015, the firm is headquartered in West Hollywood, California.
DAVE Company Deck
DAVE Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong operational and financial beats: robust 47% revenue growth, 57% adjusted EBITDA growth with high margins, improving credit performance (28‑day DPD at 1.69%), accelerating monetization (ARPU +24%), and active capital returns (significant buybacks and guidance raise). Lowlights were largely tactical and timing-related — Q1 seasonality and a ~$5M provision timing impact, modest near-term hiring costs, and the fact that new product Dave Flex is still in testing and not included in 2026 guidance. Given the breadth and magnitude of positive metrics, guidance raise, and capital actions relative to the limited and manageable headwinds, the tone is strongly constructive.View all DAVE earnings summariesDAVE Stock 12 Month Forecast
Average Price Target
$385.30
▼(-4.35% Downside)
Technical Analysis
Ownership Overview
5.62% Insiders
27.37% Mutual Funds
0.72% Other Institutional Investors
44.38% Public Companies and Individual Investors