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Dave Inc. (DAVE)

POSITIVE
TechnologySoftware - ApplicationUnited States

Fondamentale

72

Prezzo

$350.02

Capitalizzazione

$4.57B

Parte 1 · Quanto vale l'azienda

Panoramica

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.

Per questa società non c'è ancora una scheda redazionale

Concorrenti diretti

Con chi questa società si contende gli stessi clienti

Per questa società non c'è ancora una scheda redazionale

Per questa società non c'è ancora un elenco di concorrenti.

Stato Patrimoniale e Liquidità

Ricavi

$644M

Ultimi 12 mesi (al 30/06/2026)

Utile Netto

$223M

Ultimi 12 mesi (al 30/06/2026)

Free Cash Flow

$290M

Patrimonio Netto Totale

$353M

Passività Totali

$135M

Rapporto di Liquidità

4.22

Copertura Interessi

-

Debito/EBITDA

0.32

Utile per Azione

Ricavi e Utile Netto

Free Cash Flow

Scomposizione Ricavi

Prospetto storico

Margini nel tempo

Il debito nel tempo

Quanto pesa il debito

Griglia della crescita

Crescita — Ricavi

Stima del Fair Value

Correttamente Valutato

Fair Value

$384.00

Prezzo Attuale

$350.02

Margine di Sicurezza

+8.8%

Range Fair Value

$313.57 - $454.43

Metodi di Stima

Analyst Target:$436.58
DCF:-
PE-based:$318.06
Graham Growth:$252.99
EPV:$71.28
Consenso Analisti:Strong Buy (15B / 3H / 0S)
Ultima Sorpresa Utili:-86.90%

Metriche di Valutazione

Rapporto P/E

22.96

ROE

55.5%

Rapporto P/B

19.53

P/FCF

12.43

Margine Lordo

-

ROIC

-

Radar Redditività

Creazione di Valore (Vantaggio Competitivo)

ROIC

-

WACC

17.8%

ROIC − WACC

-

Criteri di Analisi Fondamentale

Superati (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

Non superati (5)

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

Non disponibili (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

Segnali misti: alcune aree necessitano attenzione

score
criteria

Qualità degli Utili

1.47

Alta qualità: utili supportati da cash

Diluizione Azionaria

4.8%

Emissione nuove azioni, diluizione proprietà

Governance

Team Dirigenziale

NomeRuoloEtà
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-

Rischio Audit

5

Rischio CdA

9

Rischio Compensi

9

Rischio Diritti Azionisti

10

Parte 2 · Il prezzo e il momento d'ingresso

Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.

Ultime Notizie

Ultime notizie per DAVE, da 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