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DAVE Stock Chart & Stats
$349.47
-$5.78(-1.41%)
At close: 4:00 PM EDT
$349.47
-$5.78(-1.41%)
Day’s Range― - ―
52-Week Range$152.21 - $458.25
Previous CloseN/A
Volume242.57K
Average Volume (3M)284.93K
Market Cap
$4.59B
Enterprise Value$5.11B
Total Cash (Recent Filing)$252.59M
Total Debt (Recent Filing)$268.47M
Price to Earnings (P/E)22.2
Beta2.04
Next Earnings
Nov 10, 2026EPS Estimate
4.11Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)16.56
Shares Outstanding11,441,425
10 Day Avg. Volume263,155
30 Day Avg. Volume284,929
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 Cap1.12
Enterprise Value/Revenue7.94
Enterprise Value/Gross Profit9.54
Enterprise Value/Ebitda17.34
Forecast
1Y Price Target
$439.36Price Target Upside25.72% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering15
EPS Forecast (FY)13.5
Revenue Forecast (FY)$731.50M
Bulls Say, Bears Say
Bulls Say
Profitability And Revenue ScaleDave has transitioned from losses in 2021–2023 to substantial TTM profitability while scaling revenue to about $644 million. The combination of high gross and net margins indicates meaningful operating leverage and creates capacity to fund product investment and growth.
Strong Cash GenerationCurrent cash conversion is a major fundamental strength: free cash flow is essentially equal to net income and operating cash flow is robust. This gives Dave resources to support lending activity, product development, capital efficiency initiatives, and shareholder returns.
Member And Product GrowthRapid member acquisition with stable customer acquisition cost suggests Dave is expanding its addressable user base efficiently rather than relying solely on heavier marketing spend. A larger member base can support recurring ExtraCash usage, card activity, and broader product adoption.
Bears Say
Higher LeverageThe sharp increase in debt reduces financial flexibility compared with Dave’s healthier 2025 profile and introduces greater sensitivity to funding costs and operating volatility. Higher leverage may constrain capital allocation while the company continues expanding its financial products.
Credit Loss PressureCredit provisions are rising alongside portfolio growth, showing that expansion of ExtraCash receivables carries a material cost of risk. If loss provisioning remains elevated, it could pressure margins, reduce the cash generated per advance, and temper the benefit of higher originations.
Unresolved DOJ MatterAn unresolved Department of Justice matter remains a durable source of legal and regulatory uncertainty. Until the issue is resolved, potential outcomes could affect management focus, compliance costs, operating practices, or investor confidence in Dave’s financial-services model.
Dave News
DAVE FAQ
What was Dave’s price range in the past 12 months?
Dave lowest stock price was $152.21 and its highest was $458.25 in the past 12 months.
What is Dave’s market cap?
Dave’s market cap is $4.59B.
When is Dave’s upcoming earnings report date?
Dave’s upcoming earnings report date is Nov 10, 2026 which is in 21 days.
How were Dave’s earnings last quarter?
Dave 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 overvalued?
According to Wall Street analysts Dave’s price is currently Undervalued.
Does Dave pay dividends?
Dave does not currently pay dividends.
What is Dave’s EPS estimate?
Dave’s EPS estimate is 4.11.
How many shares outstanding does Dave have?
Dave has 11,441,425 shares outstanding.
What happened to Dave’s price movement after its last earnings report?
Dave 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?
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
Outperform
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Analyst Consensus
Strong Buy
Average Price Target:
$439.36 (25.72% Upside)
$439.36 (25.72% Upside)
Blogger Sentiment
Bullish
DAVE Sentiment 75%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Increased
By 203.0K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 0.6%
Last 30 Days ▲ 4.3%
Last 30 Days ▲ 4.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
74.19%
12-Months-Change
Fundamentals
Return on Equity
84.35%
Trailing 12-Months
Asset Growth
57.00%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Dave
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
$439.36
▲(25.72% Upside)
Technical Analysis
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Ownership Overview
5.50% Insiders
27.27% Mutual Funds
0.19% Other Institutional Investors
44.86% Public Companies and Individual Investors