Dave Inc. (DAVE)
POSITIVEFundamental
72
Preço
$358.64
Capitalização de Mercado
$4.57B
Parte 1 · Quanto vale a empresa
Visão Geral
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.
Balanço & Liquidez
Receita
$644M
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$223M
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
$290M
Capital Próprio Total
$353M
Passivo Total
$135M
Rácio de Liquidez
4.22
Cobertura de Juros
-
Dívida/EBITDA
0.32
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$384.00
Preço Atual
$358.64
Margem de Segurança
+6.6%
Intervalo de Valor Justo
$313.57 - $454.43
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
22.96
ROE
55.5%
Rácio P/B
19.53
P/FCF
12.43
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Value Creation (Economic Moat)
ROIC
-
WACC
17.8%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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
Reprovado (5)
- Price CAGR 1.58%
- P/B Ratio 19.53
- Price below Graham Number
- DCF valuation (Unknown)
- Share Dilution 4.8%
Indisponível (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
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A emitir novas ações, diluindo a participação
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. Jason Wilk | Co-Founder, CEO, President & Chairman | 38 |
| Mr. Kyle Beilman | COO, CFO & Secretary | 36 |
| Mr. Gopi Kuchimanchi | Chief Technology Officer | - |
| Ms. Joan Aristei J.D. | Chief Legal Officer | 65 |
| Mr. Kevin Frisch | Chief Marketing Officer | - |
| Ms. Amanda Wilson | VP of People | - |
| Mr. Grahame Fraser | Head of Product Management | - |
| Mr. Parker Barrile | Chief Product Officer | 42 |
| Mr. Ryan Imai | Director & Corporate Controller | - |
Risco de Auditoria
5
Risco do Conselho
9
Risco de Remuneração
9
Risco dos Direitos dos Acionistas
10
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Latest News
Recent headlines for DAVE, sourced from Markets Gazette.
- 3/14/2026NEGATIVEIs 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.
- 3/12/2026POSITIVEDave 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.
- 3/6/2026POSITIVEWhy 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.
- 3/5/2026POSITIVEEXCLUSIVE: 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.
- 3/2/2026POSITIVENeobank 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