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Dave Inc. (DAVE)

POSITIVE
TechnologySoftware - ApplicationUnited States

Fondamental

72

Prix

$358.64

Capitalisation boursière

$4.57B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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.

Bilan & Liquidités

Chiffre d'affaires

$644M

12 derniers mois (au 30/06/2026)

Résultat net

$223M

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$290M

Capitaux propres totaux

$353M

Passif total

$135M

Ratio de liquidité général

4.22

Couverture des intérêts

-

Dette/EBITDA

0.32

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Le poids de la dette

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

Justement valorisé

Juste valeur

$384.00

Prix actuel

$358.64

Marge de sécurité

+6.6%

Fourchette de juste valeur

$313.57 - $454.43

Méthodes d'estimation

Analyst Target:$436.58
DCF:-
PE-based:$318.06
Graham Growth:$252.99
EPV:$71.28
Consensus des analystes:Achat fort (15B / 3H / 0S)
Dernière surprise sur les résultats:-86.90%

Indicateurs de valorisation

Ratio P/E

22.96

ROE

55.5%

Ratio P/B

19.53

P/FCF

12.43

Marge brute

-

ROIC

-

Radar de rentabilité

Value Creation (Economic Moat)

ROIC

-

WACC

17.8%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (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

Échoué (5)

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

Indisponible (6)

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

Score F de Piotroski

5/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

1.47

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

4.8%

Émission de nouvelles actions, diluant la participation

Gouvernance

Équipe dirigeante

NomTitreÂge
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-

Risque d'audit

5

Risque du conseil

9

Risque de rémunération

9

Risque droits des actionnaires

10

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition 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