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Dave Inc. (DAVE)

POSITIVE
TechnologySoftware - ApplicationUnited States

Fundamental

72

Precio

$358.64

Capitalización Bursátil

$4.57B

Parte 1 · Cuánto vale la empresa

Resumen

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

No editorial profile for this company yet

No competitor list for this company yet.

Balance y Liquidez

Ingresos

$644M

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$223M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$290M

Patrimonio Neto Total

$353M

Pasivo Total

$135M

Ratio de Liquidez

4.22

Cobertura de Intereses

-

Deuda/EBITDA

0.32

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuánto pesa la deuda

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

Valoración Justa

Valor Justo

$384.00

Precio Actual

$358.64

Margen de Seguridad

+6.6%

Rango de Valor Justo

$313.57 - $454.43

Métodos de Estimación

Analyst Target:$436.58
DCF:-
PE-based:$318.06
Graham Growth:$252.99
EPV:$71.28
Consenso de Analistas:Compra Fuerte (15B / 3H / 0S)
Última Sorpresa de Resultados:-86.90%

Métricas de Valoración

Ratio P/E

22.96

ROE

55.5%

Ratio P/B

19.53

P/FCF

12.43

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Value Creation (Economic Moat)

ROIC

-

WACC

17.8%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (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

Fallido (5)

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

No disponible (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

Señales mixtas: algunas áreas requieren atención

score
criteria

Calidad de los Beneficios

1.47

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

4.8%

Emitiendo nuevas acciones, diluyendo la participación

Gobernanza

Equipo Directivo

NombreCargoEdad
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-

Riesgo de Auditoría

5

Riesgo del Consejo

9

Riesgo de Compensación

9

Riesgo de Derechos del Accionista

10

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

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