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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
$4.06B
Enterprise Value$5.11K
Total Cash (Recent Filing)$252.59M
Total Debt (Recent Filing)$268.47M
Price to Earnings (P/E)18.6
Beta2.13
Next Earnings
Nov 10, 2026EPS Estimate
4.07Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)16.56
Shares Outstanding11,441,425
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
$430.80Price Target Upside6.95% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering11
EPS Forecast (FY)15.96
Revenue Forecast (FY)$714.92M
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained, high free cash flow (~$409M TTM) underpins durable financial flexibility: it funds product growth, supports repurchases and capital investments, and cushions credit draws on receivables. Strong cash conversion is a foundational strength for scaling while managing funding costs.
High MarginsElevated gross and net margins indicate a scalable, capital-light core business and favorable unit economics. Margin durability supports reinvestment in customer acquisition and product development, improving returns on incremental revenue and strengthening long-term profitability sustainability.
Member Growth & GuidanceRapid member additions at stable CAC ($19) and upgraded full-year guidance signal efficient, repeatable user acquisition and clear monetization paths. Growing membership plus rising ARPU and subscription mix point to stronger recurring revenue and improved LTV economics over the medium term.
Bears Say
Rising LeverageA material step-up in debt elevates financial risk and reduces optionality for growth or shock absorption. Higher leverage can increase funding costs, constrain strategic flexibility, and magnify earnings volatility if credit losses or interest rates rise, making balance-sheet management critical.
Regulatory/Legal UncertaintyAn unresolved DOJ matter is a structural governance and compliance risk that can lead to fines, operational constraints, or reputational damage. Such legal uncertainty can hinder partnerships, distract management, and impose long-cycle remediation costs that affect strategic execution.
Credit & Portfolio RiskRising provisions and sequential deterioration in short-dated delinquencies signal underwriting risk as volumes scale and new products roll out. Persistent credit pressure would erode margins and require more capital or tighter underwriting, limiting sustainable growth of the lending-like business.
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 $4.06B.
When is Dave Inc.’s upcoming earnings report date?
Dave Inc.’s upcoming earnings report date is Nov 10, 2026 which is in 91 days.
How were Dave Inc.’s earnings last quarter?
Dave Inc. released its earnings results on Aug 05, 2026. The company reported $0.49 earnings per share for the quarter, missing the consensus estimate of $3.438 by -$2.948.
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 4.07.
How many shares outstanding does Dave Inc. have?
Dave Inc. has 11,441,425 shares outstanding.
What happened to Dave Inc.’s price movement after its last earnings report?
Dave Inc. reported an EPS of $0.49 in its last earnings report, missing expectations of $3.438. Following the earnings report the stock price went down -15.087%.
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:
$430.80 (6.95% Upside)
$430.80 (6.95% Upside)
Blogger Sentiment
Bullish
DAVE Sentiment 81%
Sector Average 61%
Sector Average 61%
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 ▲ 1.9%
Last 30 Days ▲ 8.9%
Last 30 Days ▲ 8.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
92.74%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
57.00%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong operational and financial momentum: double-digit top-line growth, outsized adjusted EBITDA expansion, record member additions, improved ARPU and successful capital-efficiency actions (Coastal funding). Management raised full-year guidance and signaled continued investment in marketing, product (Cash AI V6) and a promising Flex card test. Near-term headwinds include noncash GAAP volatility from warrants, higher provisions driven by portfolio growth and seasonality, increased marketing and stock-based compensation, and the unresolved DOJ matter. Key strategic risks (Flex scale, full V6 seasoning and Coastal migration) remain but are being actively managed.View all DAVE earnings summariesDAVE Stock 12 Month Forecast
Average Price Target
$430.80
▲(6.95% Upside)
Technical Analysis
Ownership Overview
5.60% Insiders
27.27% Mutual Funds
2.03% Other Institutional Investors
43.23% Public Companies and Individual Investors