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Dave Inc. (DAVE)

POSITIVE
TechnologySoftware - ApplicationUnited States

Fundamental

72

Price

$358.64

Market Cap

$4.57B

Part 1 · What the company is worth

Overview

Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Balance Sheet & Liquidity

Revenue

$644M

Trailing 12 months (through 6/30/2026)

Net Income

$223M

Trailing 12 months (through 6/30/2026)

Free Cash Flow

$290M

Total Equity

$353M

Total Liabilities

$135M

Current Ratio

4.22

Interest Coverage

-

Debt/EBITDA

0.32

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

How heavy the debt is

Growth grid

Growth — Revenue

Fair Value Estimation

Fairly Valued

Fair Value

$384.00

Current Price

$358.64

Margin of Safety

+6.6%

Fair Value Range

$313.57 - $454.43

Estimation Methods

Analyst Target:$436.58
DCF:-
PE-based:$318.06
Graham Growth:$252.99
EPV:$71.28
Analyst Consensus:Strong Buy (15B / 3H / 0S)
Last Earnings Surprise:-86.90%

Valuation Metrics

P/E Ratio

22.96

ROE

55.5%

P/B Ratio

19.53

P/FCF

12.43

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

17.8%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (16)

  • EPS shows upward trend
  • P/FCF 12.43
  • Debt/Equity ratio
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA
  • Return on Tangible Assets
  • Low reliance on intangibles
  • ROE 84.4%
  • Revenue Growth 5Y 35.4%
  • Analyst Consensus 83% Buy
  • Earnings Surprise avg 32.6%
  • Earnings Quality (OCF/NI) 1.47
  • Net Margin Trend 34.6% vs 12.7%
  • Piotroski F-Score 5/9

Failed (5)

  • Price CAGR 1.58%
  • P/B Ratio 19.53
  • Price below Graham Number
  • DCF valuation (Unknown)
  • Share Dilution 4.8%

Unavailable (6)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Interest Coverage
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

5/9

Mixed signals: some areas need attention

score
criteria

Earnings Quality

1.47

High quality: earnings backed by cash

Share Dilution

4.8%

Issuing new shares, diluting ownership

Governance

Executive Team

NameTitleAge
Mr. Jason WilkCo-Founder, CEO, President & Chairman38
Mr. Kyle BeilmanCOO, CFO & Secretary36
Mr. Gopi KuchimanchiChief Technology Officer-
Ms. Joan Aristei J.D.Chief Legal Officer65
Mr. Kevin FrischChief Marketing Officer-
Ms. Amanda WilsonVP of People-
Mr. Grahame FraserHead of Product Management-
Mr. Parker BarrileChief Product Officer42
Mr. Ryan ImaiDirector & Corporate Controller-

Audit Risk

5

Board Risk

9

Compensation Risk

9

Shareholder Rights Risk

10

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for DAVE, sourced from Markets Gazette.

  • 3/14/2026NEGATIVE
    Is Dave Stock a Buy or Sell After a Director Dumped 30,000 Shares Worth $6.4 Million?

    A director at Dave Inc., a fintech firm specializing in digital banking and cash advances, offloaded 30,000 shares valued at approximately $6.4 million. This substantial insider selling comes after a period of strong stock performance for the company. For investors, such a significant sale by an insider can signal a lack of confidence in future price appreciation or a desire to realize profits, potentially creating downward pressure on the stock.

  • 3/12/2026POSITIVE
    Dave Stock Soars 150% in a Year as Newly Disclosed $7 Million Buy Signals Confidence in Fintech Upstart

    Dave Inc. shares have surged an impressive 150% over the past year, a remarkable performance for the fintech company specializing in digital banking and personal finance tools. The recent disclosure of a $7 million buyback program signals strong internal confidence in the company's future prospects and valuation. This move suggests that management believes the stock is undervalued, potentially attracting further investor interest and reinforcing the positive momentum. The buyback could also reduce the number of outstanding shares, potentially boosting earnings per share.

  • 3/6/2026POSITIVE
    Why Shares of Dave Are Surging This Week

    Dave Inc. shares experienced a significant surge this week following the release of its 2025 fourth-quarter earnings report and the issuance of its 2026 financial guidance. While specific figures were not detailed in the provided summary, the market's positive reaction suggests that the company's performance exceeded expectations and its future outlook is robust. Investors are likely encouraged by the company's strategic direction and its ability to generate value, potentially indicating strong revenue growth or improved profitability in the upcoming fiscal year. This positive sentiment could lead to further upward price momentum for DAVE stock.

  • 3/5/2026POSITIVE
    EXCLUSIVE: Neobank Dave Taps AI Across the Stack To Smash Q4 Estimates

    Dave Inc. surpassed its Q4 estimates by strategically implementing Artificial Intelligence (AI) across its technology stack. This AI integration has optimized operations, enhanced user experience, and ultimately boosted operational efficiency, leading to financial results exceeding expectations. CEO Jason Wilk and CFO Kyle Beilman shared exclusive insights into the impact of this innovation. For investors, this success highlights the company's ability to leverage cutting-edge technology for a competitive edge and drive growth.

  • 3/2/2026POSITIVE
    Neobank Dave Shares Rally After Q4 Earnings: Details

    Shares of neobank Dave experienced a significant rally following the release of its fourth-quarter earnings report. Investor enthusiasm suggests a positive reaction to the financial data presented, which evidently either surpassed market expectations or provided an optimistic outlook for the future. This surge is a key signal for those monitoring the fintech sector and the performance of challenger banks. A detailed analysis of the quarterly report will reveal the specific factors, such as user growth, service expansion, or efficient cost management, that contributed to this performance. For investors, the rally indicates a potential opportunity, but it is crucial to delve deeper into the details to assess the sustainability of growth and associated risks.

via Markets Gazette