Dave（DAVE）株式概要
デイブ・インクは米国で金融サービスプラットフォームを通じて様々な金融商品・サービスを提供している。 詳細
DAVE Community Fair Values
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Analyst Price Targets
Dave Inc. 競合他社
価格と性能
| 過去の株価 | |
|---|---|
| 現在の株価 | US$228.46 |
| 52週高値 | US$287.69 |
| 52週安値 | US$152.21 |
| ベータ | 3.94 |
| 1ヶ月の変化 | -16.79% |
| 3ヶ月変化 | 37.97% |
| 1年変化 | 15.78% |
| 3年間の変化 | 4,146.47% |
| 5年間の変化 | -27.89% |
| IPOからの変化 | -27.15% |
最新ニュース
ナラティブの更新 • May 22
DAVE: 2026 Guidance And Liquidity Will Support A Mispriced Equity Story
Narrative Update on Dave Dave's updated analyst price target of $341.38, up from $321.13, reflects analysts' use of a lower future P/E estimate, along with their focus on recent Q4 results, 2026 guidance strength, added liquidity, and an expanded $300m buyback authorization cited across recent research. Analyst Commentary Recent Street research on Dave centers on how the latest Q4 results, 2025 performance versus guidance, and 2026 outlook feed into valuation, liquidity, and capital returns.
ナラティブの更新 • May 06
DAVE: 2026 Guidance And Expanded Liquidity Framework Will Support Long Term Upside
Analysts have raised Dave's average price target by several tens of dollars to around the mid $300s. They cite stronger 2026 guidance, added liquidity, and recent research highlighting solid Q4 execution and member growth as key factors supporting the revised view.Recent updates
ナラティブの更新 • May 22
DAVE: 2026 Guidance And Liquidity Will Support A Mispriced Equity Story
Narrative Update on Dave Dave's updated analyst price target of $341.38, up from $321.13, reflects analysts' use of a lower future P/E estimate, along with their focus on recent Q4 results, 2026 guidance strength, added liquidity, and an expanded $300m buyback authorization cited across recent research. Analyst Commentary Recent Street research on Dave centers on how the latest Q4 results, 2025 performance versus guidance, and 2026 outlook feed into valuation, liquidity, and capital returns.ナラティブの更新 • May 06
DAVE: 2026 Guidance And Expanded Liquidity Framework Will Support Long Term Upside
Analysts have raised Dave's average price target by several tens of dollars to around the mid $300s. They cite stronger 2026 guidance, added liquidity, and recent research highlighting solid Q4 execution and member growth as key factors supporting the revised view.ナラティブの更新 • Apr 20
DAVE: 2026 Guidance And Liquidity Are Expected To Support Mispriced Story
Analysts have nudged the fair value estimate for Dave higher from $318 to about $321, citing stronger Q4 execution, reinforced 2026 guidance, additional liquidity, and an upsized $300m buyback authorization as key drivers behind a series of recent price target increases across the Street. Analyst Commentary Recent research on Dave has leaned positive, with several bullish analysts revisiting their models after the latest Q4 update and refreshed 2026 guidance.Seeking Alpha • Apr 09
Dave: Rapid Growth Through Members And AI Implementation
Summary Dave is a digital banking platform delivering rapid revenue and EBITDA growth, and is now rated a strong buy. DAVE's 2025 revenue surged 60% to $554M, with adjusted EBITDA up 162% and operating expenses declining. Member growth, ARPU up 36%, and origination volume up 50% are driving operational momentum, aided by proprietary CashAI underwriting. Valuation now attractive at 12.7x PE and PEG of 0.06, with 2026 guidance for 27% growth in sales and EBITDA. Read the full article on Seeking Alphaナラティブの更新 • Apr 05
DAVE: 2026 Guidance And Expanded Buyback Will Support Long Term Upside
Analysts have lifted their price targets on Dave into a roughly $295 to $328 range, citing stronger 2026 guidance, added liquidity, an expanded $300m buyback, and recent Q4 execution as key supports for the updated view. Analyst Commentary Bullish analysts are pointing to a cluster of higher price targets in the US$295 to US$328 range as a sign that recent Q4 performance and 2026 guidance are reshaping expectations around Dave's valuation.ナラティブの更新 • Mar 22
DAVE: 2026 Guidance And Buyback Are Expected To Support Mispriced Story
Dave’s updated analyst price targets now range from about $295 to $328, reflecting analyst views that recent Q4 results, stronger 2026 guidance, added liquidity, and a larger $300m buyback support the current fair value estimate of $318 per share. Analyst Commentary Recent research points to a cluster of higher price targets in a relatively tight band, with most bullish analysts highlighting Q4 execution, updated 2026 guidance, and liquidity moves as key supports for their fair value views on Dave.ナラティブの更新 • Mar 08
DAVE: 2026 Guidance And Buyback Program Will Support Long Term Performance
Analysts have lifted their blended price target on Dave to about $318, citing strong Q4 results; 2026 guidance that sits well ahead of prior expectations; added liquidity of more than $200m; an upsized $300m buyback authorization; and continued confidence in the business model reflected in multiple firms nudging targets into the $295 to $328 range. Analyst Commentary Recent research on Dave clusters around a similar theme, with bullish analysts pointing to strong reported execution, updated guidance and a larger capital return program as key reasons for their higher valuation frameworks.ナラティブの更新 • Feb 21
DAVE: Execution On Earned Wage Access Offerings Will Support Long Term Performance
Narrative Update on Dave Analysts now see Dave's fair value at about $300.11, down from $306.38, as they factor in updated assumptions for revenue growth, profit margins, discount rates, and future P/E multiples, informed in part by fresh Earned Wage Access competition and recent initiation research. Analyst Commentary Recent research has sharpened the debate around Dave's position in Earned Wage Access, especially as new products come to market and fresh coverage frames expectations for growth, profitability, and valuation multiples.
ナラティブの更新 • Feb 07
DAVE: Higher Future P/E Multiple Will Support Stronger Upside Potential
Analysts now place Dave's fair value at US$274, up from US$177. This reflects updated assumptions around a higher future P/E multiple, along with slightly adjusted discount rate, revenue growth, and profit margin inputs.分析記事 • Feb 05
Little Excitement Around Dave Inc.'s (NASDAQ:DAVE) Earnings As Shares Take 29% Pounding
Dave Inc. ( NASDAQ:DAVE ) shareholders that were waiting for something to happen have been dealt a blow with a 29...ナラティブの更新 • Jan 24
DAVE: Higher 2025 Revenue Outlook Will Support Stronger Long Term Performance
Analysts have modestly raised their price target on Dave to $306.38, reflecting updated assumptions around the discount rate, revenue growth, profit margin, and future P/E levels that are largely consistent with prior estimates but have been fine tuned at the margins. What's in the News Dave reported that under the share repurchase program announced on August 13, 2025, the company completed buybacks of 0 shares for a total of $0 million, covering the period from August 13, 2025 to September 30, 2025 (company disclosure).ナラティブの更新 • Jan 09
DAVE: Higher 2025 Earnings Outlook Will Support Stronger Long Term Upside
Analysts have lifted their price target on Dave from $320 to $347, citing updated assumptions for revenue growth, profit margins, and a lower future P/E multiple in their valuation work. What's in the News Dave reported that from August 13, 2025 to September 30, 2025, it repurchased 0 shares for $0 million under its announced buyback program, which is now described as completed (Key Developments).ナラティブの更新 • Dec 26
DAVE: Elevated Revenue Guidance Will Drive Stronger Long Term Performance
Analysts have modestly raised their price target for Dave to approximately $306.38 per share, citing marginal adjustments to discount rate assumptions and long term valuation multiples, while core growth and profitability forecasts remain essentially unchanged. What's in the News Dave Inc.ナラティブの更新 • Dec 12
DAVE: Reduced Credit Risk Will Drive Future Performance Ahead
Analysts have modestly raised their price target on Dave to about $300 per share, citing reduced risk around Q2 credit performance, easing concerns over JP Morgan and Plaid data pricing, and the potential for new growth avenues including 2026 product launches and a more efficient financing model. Analyst Commentary Bullish Takeaways Bullish analysts see the de-risking of Q2 credit performance as a key support for the higher valuation, arguing that improved credit visibility reduces downside to earnings estimates.ナラティブの更新 • Nov 28
DAVE: Credit Improvements And Data Pricing Will Drive Performance Ahead
Dave's fair value estimate has been raised from $285 to $306.38. Analysts cite de-risked credit concerns, stabilized data pricing, and expectations for growth from new products and improved financing efficiency as reasons for the adjustment.ナラティブの更新 • Nov 05
DAVE: Reduced Credit Risks Will Drive Increased Confidence in Forward Projections
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.ナラティブの更新 • Aug 08
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.分析記事 • Aug 07
Dave Inc.'s (NASDAQ:DAVE) Share Price Is Still Matching Investor Opinion Despite 30% Slump
NasdaqGM:DAVE 1 Year Share Price vs Fair Value Explore Dave's Fair Values from the Community and select yours The Dave...分析記事 • May 16
Forecast: Analysts Think Dave Inc.'s (NASDAQ:DAVE) Business Prospects Have Improved Drastically
Dave Inc. ( NASDAQ:DAVE ) shareholders will have a reason to smile today, with the analysts making substantial upgrades...分析記事 • May 04
Dave Inc.'s (NASDAQ:DAVE) P/S Is Still On The Mark Following 48% Share Price Bounce
Dave Inc. ( NASDAQ:DAVE ) shareholders would be excited to see that the share price has had a great month, posting a...Seeking Alpha • Apr 01
Dave: Still Bullish, But Best Money Has Been Made (Rating Downgrade)
Summary Dave has seen a 67% stock increase since I last wrote about it, but its valuation is still a fraction of its peak. DAVE's current P/E ratio is 20x, with a P/S ratio of 3.4x, making it a historical bargain compared to its overvalued past. Despite a volatile history, DAVE's strong financial turnaround and growth metrics suggest it remains a buy, though the best gains may have already been made. I am downgrading DAVE from a strong buy to a buy due to market volatility and better upside opportunities elsewhere, but will monitor for re-entry. Read the full article on Seeking AlphaSeeking Alpha • Mar 25
Dave: Improving Financials Support Premium Valuation
Summary Dave Inc. demonstrated strong financial performance in 2024, with 38% revenue growth and significant profitability improvements, positioning it well for 2025 despite a recent stock pullback. The company's expanding product offerings, improved execution, and strong end markets support a bullish outlook, with 20-25% revenue growth and ~27% adjusted EBITDA margins expected in 2025. Dave's focus on AI-driven credit underwriting and low-cost digital banking solutions provides a competitive edge, tapping into the underbanked market and reducing customer acquisition costs. Despite potential competition risks, Dave's strong Rule of 40 score and consistent execution justify a premium valuation, suggesting further upside potential for the stock. Read the full article on Seeking AlphaSeeking Alpha • Feb 20
Dave Inc.: Excellent Growth But Valuation Concerns
Summary Dave Inc. shows strong growth with 11.6M members until Q3 2024, a 41% YoY revenue increase, and impressive customer acquisition strategies, but faces high valuation concerns. Dave's innovative AI-powered underwriting model has reduced delinquency rates, enhancing profitability and customer retention. Despite robust financial performance, Dave's stock appears overvalued with a 408.8% price increase in the past year and high EV/EBITDA multiples compared to peers. Regulatory scrutiny and potential legal issues pose significant risks, leading to a HOLD rating despite strong operational metrics. Read the full article on Seeking Alpha分析記事 • Feb 11
Market Participants Recognise Dave Inc.'s (NASDAQ:DAVE) Revenues Pushing Shares 29% Higher
Dave Inc. ( NASDAQ:DAVE ) shares have continued their recent momentum with a 29% gain in the last month alone. The last...Seeking Alpha • Feb 09
Dave: Found Their Niche, Buy Now
Summary Dave Inc. is a promising fintech company, offering a range of financial products through a branchless, scalable platform, making it a buy. The company has shown exceptional revenue and EBITDA growth, driven by low expenses and efficient customer acquisition costs. Dave's innovative products, like ExtraCash, help consumers avoid fees and manage finances, contributing to its strong market performance. Despite high P/E ratios, DAVE's impressive financial metrics and growth potential justify the current valuation, with further upside expected. Read the full article on Seeking AlphaSeeking Alpha • Jan 22
Dave: Uncertainties Around Its Business Model Make It An Expensive Stock
Summary Dave's business model relies on voluntary tips and processing fees, raising concerns about its competitive advantage and revenue sustainability. The company's revenue growth is limited by fixed compensation despite increasing average cash advance sizes, indicating scalability issues. Market valuation of Dave appears overly optimistic, treating it more like a fintech than a payday lender, which may not be justified. Potential risks include increased delinquency rates and overestimated customer loyalty, questioning the long-term viability of Dave's business model. Read the full article on Seeking AlphaSeeking Alpha • Dec 16
Dave: Why I'm Long This Inflection Stock
Summary Dave Inc.'s strong near-term prospects are driven by revenue growth, a growing user base, and efficient cost management, supported by a strategic fintech bank partnership. Dave is expected to grow above 25% CAGR in 2025, with quarterly revenues likely surpassing $110 million, attracting more analyst attention. Valued at 12x forward free cash flow, Dave's projected 2025 free cash flow is around $90 million, highlighting its solid profitability and growth potential. Despite regulatory risks, Dave's leadership is confident in continued operations, making it a compelling buy with a price target of $130 per share by early 2026. Read the full article on Seeking Alpha分析記事 • Nov 20
Dave Inc.'s (NASDAQ:DAVE) 86% Share Price Surge Not Quite Adding Up
Despite an already strong run, Dave Inc. ( NASDAQ:DAVE ) shares have been powering on, with a gain of 86% in the last...Seeking Alpha • Oct 11
Dave: A Fintech With Long-Term Growth Potential
Summary I see Dave as a company that is balancing growth with disciplined investments, making it an interesting investment opportunity. I acknowledge that the competitive landscape is intense, but I believe Dave’s focus on affordability and customer engagement sets it apart. I understand that the business is still in its early stages, but I’m optimistic about its future prospects as its scale and profitability improve. I believe that at 8x EBITDA, Dave’s valuation offers an attractive entry point for those seeking long-term growth. Read the full article on Seeking Alpha分析記事 • Oct 06
Dave Inc.'s (NASDAQ:DAVE) Price Is Right But Growth Is Lacking After Shares Rocket 25%
Dave Inc. ( NASDAQ:DAVE ) shares have continued their recent momentum with a 25% gain in the last month alone. The last...
新しいナラティブ • Sep 24
Innovative Fintech Optimizes Operations And Expands Products For Robust Profit Growth
Continuous operational efficiency improvements and accelerated revenue growth suggest positive impacts on net margins.分析記事 • Sep 10
A Look At The Intrinsic Value Of Dave Inc. (NASDAQ:DAVE)
Key Insights The projected fair value for Dave is US$41.66 based on 2 Stage Free Cash Flow to Equity Dave's US$33.38...Seeking Alpha • Sep 03
Dave: ~$30 Represents A More Sensible Terrain To Own This Fintech Disruptor
Summary Dave Inc. is a digital financial services disruptor targeting financially unstable Americans, offering accessible services without unnecessary fees and leveraging advanced machine learning for efficient underwriting. DAVE’s cost base is improving, with fixed expenses as a function of revenue trending lower by 1800 bps and FY25's EBITDA growth expected to come in at 1.42x the sales growth. Despite impressive H1-24 performance, including 31% Q2 revenue growth, management guidance points to slower growth in Q3. DAVE's relative strength ratio versus its fintech peers has mean-reverted, whilst the short interest has spiked. DAVE is currently in the midst of a bull flag, but we don't see anything wrong in waiting for a retracement to the $30 levels which has previously served as good support. Read the full article on Seeking Alpha分析記事 • Aug 14
Dave's (NASDAQ:DAVE) Earnings Are Weaker Than They Seem
Dave Inc.'s ( NASDAQ:DAVE ) robust earnings report didn't manage to move the market for its stock. Our analysis...Seeking Alpha • Jul 03
Dave Is An Underappreciated Fintech With $10+ Of EPS Potential In 2025
Summary Dave is a fintech company founded in 2016 by Jason Wilk, went public in late 2021 through a SPAC merger valued at $4bn. Dave's core product is a cash advance service with 2.2m monthly active users, generating revenue through transaction fees, tips, and subscriptions. Dave's potential for $10+ EPS in 2025 or 2026, driven by new subscription pricing and improved profitability levers, with a valuation estimate of over $100/share. Read the full article on Seeking AlphaSeeking Alpha • May 13
Dave: This Former Meme Stock Is Now Profitable And Cheap Until $70
Summary Dave Inc. is a neobank that offers various tools for young and financially struggling people to improve their financial situation. After reaching a peak valuation of $4 billion, DAVE crashed along with industry peers. With a $600 million valuation, it has now demonstrated profitable growth. Net income has outpaced DAVE's strong revenue growth, showing the company's ability to manage costs and risks baked into this type of business. I believe that DAVE is fairly valued at $70, and it should get there if it hits the guidance provided in Q1 for the full year. Read the full article on Seeking Alpha分析記事 • May 09
Further Upside For Dave Inc. (NASDAQ:DAVE) Shares Could Introduce Price Risks After 41% Bounce
Dave Inc. ( NASDAQ:DAVE ) shares have continued their recent momentum with a 41% gain in the last month alone. This...Seeking Alpha • Apr 23
Dave: This Move Higher Is Not Done
Summary I'm impressed by Dave's financial performance, showcasing a clear dedication to profitability and operational efficiency. The balance sheet is no longer a concern. There are enough positives to drive the share price higher than $24 per share. Despite strong performance, investors are not fully pricing in Dave's prospects. Stock still priced at less than 7x forward EBITDA. Read the full article on Seeking Alpha分析記事 • Mar 07
Dave Inc. (NASDAQ:DAVE) Soars 43% But It's A Story Of Risk Vs Reward
Dave Inc. ( NASDAQ:DAVE ) shares have continued their recent momentum with a 43% gain in the last month alone. This...Seeking Alpha • Feb 26
Dave: Ready To Move Higher In 2024
Summary Encouragingly, Dave is poised to achieve breakeven in Q4 2023, a testament to its effective strategies and operational success. However, concerns arise regarding Dave's balance sheet, with a drawn credit facility and convertible notes signaling a need for careful liquidity management in the near term. Despite these challenges, the market's undervaluation of Dave, trading at less than 1x sales, suggests potential for substantial growth in the coming year. Read the full article on Seeking AlphaSeeking Alpha • Feb 12
Dave: Do Not Short The Blistering Rally Of This Neobank
Summary Dave has reversed its previously ailing stock price on the back of strong growth in new members and rising ExtraCash originations. The neobank is currently trading for a 0.97x multiple to sales as it targets near-term profitability. Total members sits at just under 10 million as its delinquency rate continues to dip. Read the full article on Seeking Alpha分析記事 • Jan 17
Market Might Still Lack Some Conviction On Dave Inc. (NASDAQ:DAVE) Even After 27% Share Price Boost
Despite an already strong run, Dave Inc. ( NASDAQ:DAVE ) shares have been powering on, with a gain of 27% in the last...分析記事 • Nov 14
Dave Inc. (NASDAQ:DAVE) Doing What It Can To Lift Shares
With a price-to-sales (or "P/S") ratio of 0.3x Dave Inc. ( NASDAQ:DAVE ) may be sending very bullish signals at the...分析記事 • Mar 09
Earnings Update: Dave Inc. (NASDAQ:DAVE) Just Reported And Analysts Are Trimming Their Forecasts
Last week, you might have seen that Dave Inc. ( NASDAQ:DAVE ) released its full-year result to the market. The early...株主還元
| DAVE | US Consumer Finance | US 市場 | |
|---|---|---|---|
| 7D | -3.1% | -0.4% | 1.1% |
| 1Y | 15.8% | 7.8% | 28.7% |
業界別リターン: DAVE過去 1 年間で7.8 % の収益を上げたUS Consumer Finance業界を上回りました。
リターン対市場: DAVEは、過去 1 年間で28.7 % のリターンを上げたUS市場を下回りました。
価格変動
| DAVE volatility | |
|---|---|
| DAVE Average Weekly Movement | 9.2% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
安定した株価: DAVE 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。
時間の経過による変動: DAVEの 週次ボラティリティ ( 9% ) は過去 1 年間安定しています。
会社概要
| 設立 | 従業員 | CEO（最高経営責任者 | ウェブサイト |
|---|---|---|---|
| 2015 | 280 | Jason Wilk | dave.com |
は、米国で金融サービス・プラットフォームを通じて様々な金融商品やサービスを提供している。銀行口座の履歴データを活用して定期的な請求を特定し、会員が今後の取引を予測したり通知を受け取ったりするのに役立つ個人財務管理ツール「Budget」、給料日前の流動性のギャップを埋めるための裁量的当座貸越の一形態である「ExtraCash」、補助的または一時的な仕事を見つけるための求人応募ポータル「Side Hustle」などを提供している。同社はまた、デジタル要求払い預金口座であるデイブ・チェッキングも提供している。デイブ・インクは2015年に設立され、カリフォルニア州ロサンゼルスに本社を置いている。
Dave Inc. 基礎のまとめ
| DAVE 基礎統計学 | |
|---|---|
| 時価総額 | US$2.90b |
| 収益（TTM） | US$224.99m |
| 売上高(TTM) | US$604.62m |
12.9x
PER（株価収益率4.8x
P/SレシオDAVE は割高か？
公正価値と評価分析を参照収益と収入
| DAVE 損益計算書（TTM） | |
|---|---|
| 収益 | US$604.62m |
| 売上原価 | US$168.67m |
| 売上総利益 | US$435.95m |
| その他の費用 | US$210.96m |
| 収益 | US$224.99m |
直近の収益報告
Mar 31, 2026
次回決算日
該当なし
| 一株当たり利益（EPS） | 17.70 |
| グロス・マージン | 72.10% |
| 純利益率 | 37.21% |
| 有利子負債／自己資本比率 | 131.4% |
DAVE の長期的なパフォーマンスは？
過去の実績と比較を見る企業分析と財務データの現状
| データ | 最終更新日（UTC時間） |
|---|---|
| 企業分析 | 2026/05/24 14:07 |
| 終値 | 2026/05/22 00:00 |
| 収益 | 2026/03/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
Dave Inc. 9 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。13
| アナリスト | 機関 |
|---|---|
| Gary Prestopino | Barrington Research Associates, Inc. |
| Mark Palmer | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |