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DAVE: Reduced Credit Risks Will Drive Increased Confidence in Forward Projections

Published
24 Sep 24
Updated
05 Nov 25
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AnalystConsensusTarget's Fair Value
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1Y
387.1%
7D
-0.2%

Author's Valuation

US$28521.5% undervalued intrinsic discount

AnalystConsensusTarget Fair Value

Shared on 05 Nov 25

Fair value Increased 4.83%

Analysts have increased their price target for Dave from $271.86 to $285.00. They cite reduced risks around credit, continued conservative forecasts, and new growth opportunities ahead as key drivers for the revision.

Shared on 08 Aug 25

Fair value Increased 13%

Mobile-first Banking Trends Will Empower Financial Flexibility

Dave’s valuation has climbed as a higher future P/E suggests optimism for growth despite a deteriorating net profit margin, driving the consensus analyst price target up from $241.43 to $271.00. What's in the News Raised 2025 GAAP operating revenue guidance to $505 million - $515 million from $460 million - $475 million.

Shared on 01 May 25

Fair value Increased 85%

Mobile-first Banking Trends Will Empower Financial Flexibility

Shared on 23 Apr 25

Fair value Decreased 0.79%

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

Fair value Decreased 44%

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Increased 78%

Digital Banking Migration And AI Will Unlock Future Expansion

Shared on 02 Apr 25

Fair value Increased 8.27%

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Increased 3.53%

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget has increased revenue growth from 13.3% to 18.5% and decreased profit margin from 14.5% to 12.7%.

Shared on 11 Mar 25

Fair value Decreased 43%

ExtraCash's New Fee Model And CashAI May Strengthen Offerings But Legal Challenges And Customer Retention Risks Remain

AnalystConsensusTarget has decreased revenue growth from 16.0% to 13.3%, increased profit margin from 12.5% to 14.5% and decreased future PE multiple from 34.8x to 31.2x.