Dave Inc. (DAVE)
NASDAQ:DAVE
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DAVE Stock Chart & Stats
$250.71
-$1.67(-1.95%)
At close: 4:00 PM EST
$250.71
-$1.67(-1.95%)
Day’s Range― - ―
52-Week Range$152.21 - $318.66
Previous CloseN/A
Volume111.74K
Average Volume (3M)618.08K
Market Cap
$4.00B
Enterprise Value$3.98B
Total Cash (Recent Filing)$175.93M
Total Debt (Recent Filing)$268.21M
Price to Earnings (P/E)18.8
Beta2.44
Next Earnings
Aug 12, 2026EPS Estimate
3.42Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)16.71
Shares Outstanding11,400,165
10 Day Avg. Volume648,536
30 Day Avg. Volume618,078
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 Cap0.99
Enterprise Value/Revenue6.58
Enterprise Value/Gross Profit7.55
Enterprise Value/Ebitda18.20
Forecast
1Y Price Target
$322.80Price Target Upside28.75% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)15.91
Revenue Forecast (FY)$714.65M
Bulls Say, Bears Say
Bulls Say
Free Cash Flow StrengthOperating and free cash flow have turned persistently positive since 2024 and closely track net income, with FCF growth in the TTM. That durable earnings-to-cash conversion supports organic investment, dividends/repurchases, and debt service, reducing financing dependence.
High Profitability And Margin ExpansionThe business shows a material profitability inflection with very high gross and EBITDA margins driven by scale and product economics. Sustained mid‑70s gross margins and large EBITDA margins provide durable cashflow buffer and flexibility to invest while retaining attractive unit economics.
Member Growth And Unit EconomicsConsistent user growth with rising ARPU, low CAC and a ~3‑month gross profit payback indicate scalable customer economics. Combined with improving credit metrics, this underpins sustainable revenue growth and efficient capital deployment across acquisition and product expansion.
Bears Say
Rising LeverageA sharp step‑up in debt reverses recent de‑risking and raises financial leverage materially. Higher leverage constrains flexibility for M&A or cyclic stress, increases interest and refinancing risk, and makes capital allocation more sensitive to operating volatility.
Growth Volatility And Durability RiskWhile scale has been achieved, historical swings in growth rates show dependence on timing and seasonality. Such volatility threatens the persistence of elevated margins and makes long‑term planning and forecasting less certain, increasing execution risk for sustained expansion.
Legal And Competitive OverhangsUnresolved regulatory and legal exposure could produce fines, restrictions, or remediation costs, while intensified competition from BNPL and neobanks risks fee compression, higher CAC, or product copycats. These structural threats can impair margins and growth durability.
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 $318.66 in the past 12 months.
What is Dave Inc.’s market cap?
Dave Inc.’s market cap is $4.00B.
When is Dave Inc.’s upcoming earnings report date?
Dave Inc.’s upcoming earnings report date is Aug 12, 2026 which is in 52 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 Undervalued.
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 3.42.
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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$322.80 (28.75% Upside)
$322.80 (28.75% Upside)
Blogger Sentiment
Bullish
DAVE Sentiment 70%
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
Negative
Last 7 Days ▼ 0.7%
Last 30 Days ▼ 1.0%
Last 30 Days ▼ 1.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.53%
12-Months-Change
Fundamentals
Return on Equity
84.51%
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
$322.80
▲(28.75% Upside)
Technical Analysis
Ownership Overview
5.62% Insiders
25.01% Mutual Funds
35.73% Other Institutional Investors
11.10% Public Companies and Individual Investors
Options Prices
Currently, No data available
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