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Dave Community
NasdaqGM:DAVE Community
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Dave
AN
AnalystConsensusTarget
Consensus Narrative from 8 Analysts
Digital Banking Migration And AI Will Unlock Future Expansion
Key Takeaways Rapid user and revenue growth is fueled by digital banking adoption, improved AI underwriting, and a more profitable pricing model that boosts retention and earnings stability. Strategic partnerships and ecosystem expansion increase product offerings, enhance compliance, and foster sustainable growth through higher customer value and deeper engagement.
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US$237.25
FV
11.2% undervalued
intrinsic discount
21.52%
Revenue growth p.a.
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3 days ago
author updated this narrative
Dave
AN
AnalystHighTarget
Consensus Narrative from 8 Analysts
Digital Adoption And Gig Economy Will Expand Fintech Markets
Key Takeaways Strong data-driven underwriting, high member engagement, and proprietary datasets create a structural advantage for sustained revenue growth and net margin improvement. Flexible cash flow, rapid product innovation, and expanding market share provide Dave with enduring opportunities for value creation and competitive leadership.
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US$320.00
FV
34.2% undervalued
intrinsic discount
22.03%
Revenue growth p.a.
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3 days ago
author updated this narrative
Dave
AN
AnalystLowTarget
Consensus Narrative from 8 Analysts
Regulatory Scrutiny And Competition Will Derail Digital Banking Prospects
Key Takeaways Heightened regulatory scrutiny and increased competition threaten to constrain Dave's growth, compress margins, and erode its pricing power and differentiation. Dependence on paid marketing, economic sensitivity of core users, and rising acquisition costs could lead to lower profitability and difficulties sustaining membership growth.
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US$177.00
FV
19.0% overvalued
intrinsic discount
21.89%
Revenue growth p.a.
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10 days ago
author updated this narrative
Your Valuation for
DAVE
DAVE
Dave
Your Fair Value
US$
Current Price
US$210.61
25.4% undervalued
intrinsic discount
Growth estimate over
Annual revenue growth rate
5 Years
time period
%/yr
Decrease
Increase
Past
Future
-110m
906m
2015
2018
2021
2024
2025
2027
2030
Revenue US$906.1m
Earnings US$124.6m
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