Dave Inc.

NasdaqGM:DAVE 주식 리포트

시가총액: US$3.6b

Dave 향후 성장

Future 기준 점검 3/6

Dave (는) 각각 연간 10% 및 19.7% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 5.2% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 192.9% 로 예상됩니다.

핵심 정보

10.0%

이익 성장률

5.21%

EPS 성장률

Consumer Finance 이익 성장19.5%
매출 성장률19.7%
향후 자기자본이익률192.90%
애널리스트 커버리지

Good

마지막 업데이트04 May 2026

최근 향후 성장 업데이트

Recent updates

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.

Dave: Rapid Growth Through Members And AI Implementation

Apr 09

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.

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.

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.

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.

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.

Little Excitement Around Dave Inc.'s (NASDAQ:DAVE) Earnings As Shares Take 29% Pounding

Feb 05
Little Excitement Around Dave Inc.'s (NASDAQ:DAVE) Earnings As Shares Take 29% Pounding

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).

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).

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.

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.

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.

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.

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.

Dave Inc.'s (NASDAQ:DAVE) Share Price Is Still Matching Investor Opinion Despite 30% Slump

Aug 07
Dave Inc.'s (NASDAQ:DAVE) Share Price Is Still Matching Investor Opinion Despite 30% Slump

Forecast: Analysts Think Dave Inc.'s (NASDAQ:DAVE) Business Prospects Have Improved Drastically

May 16
Forecast: Analysts Think Dave Inc.'s (NASDAQ:DAVE) Business Prospects Have Improved Drastically

Dave Inc.'s (NASDAQ:DAVE) P/S Is Still On The Mark Following 48% Share Price Bounce

May 04
Dave Inc.'s (NASDAQ:DAVE) P/S Is Still On The Mark Following 48% Share Price Bounce

Dave: Still Bullish, But Best Money Has Been Made (Rating Downgrade)

Apr 01

Dave: Improving Financials Support Premium Valuation

Mar 25

Dave Inc.: Excellent Growth But Valuation Concerns

Feb 20

Market Participants Recognise Dave Inc.'s (NASDAQ:DAVE) Revenues Pushing Shares 29% Higher

Feb 11
Market Participants Recognise Dave Inc.'s (NASDAQ:DAVE) Revenues Pushing Shares 29% Higher

Dave: Found Their Niche, Buy Now

Feb 09

Dave: Uncertainties Around Its Business Model Make It An Expensive Stock

Jan 22

Dave: Why I'm Long This Inflection Stock

Dec 16

Dave Inc.'s (NASDAQ:DAVE) 86% Share Price Surge Not Quite Adding Up

Nov 20
Dave Inc.'s (NASDAQ:DAVE) 86% Share Price Surge Not Quite Adding Up

Dave: A Fintech With Long-Term Growth Potential

Oct 11

Dave Inc.'s (NASDAQ:DAVE) Price Is Right But Growth Is Lacking After Shares Rocket 25%

Oct 06
Dave Inc.'s (NASDAQ:DAVE) Price Is Right But Growth Is Lacking After Shares Rocket 25%
User avatar

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.

A Look At The Intrinsic Value Of Dave Inc. (NASDAQ:DAVE)

Sep 10
A Look At The Intrinsic Value Of Dave Inc. (NASDAQ:DAVE)

Dave: ~$30 Represents A More Sensible Terrain To Own This Fintech Disruptor

Sep 03

Dave's (NASDAQ:DAVE) Earnings Are Weaker Than They Seem

Aug 14
Dave's (NASDAQ:DAVE) Earnings Are Weaker Than They Seem

Dave Is An Underappreciated Fintech With $10+ Of EPS Potential In 2025

Jul 03

Dave: This Former Meme Stock Is Now Profitable And Cheap Until $70

May 13

Further Upside For Dave Inc. (NASDAQ:DAVE) Shares Could Introduce Price Risks After 41% Bounce

May 09
Further Upside For Dave Inc. (NASDAQ:DAVE) Shares Could Introduce Price Risks After 41% Bounce

Dave: This Move Higher Is Not Done

Apr 23

Dave Inc. (NASDAQ:DAVE) Soars 43% But It's A Story Of Risk Vs Reward

Mar 07
Dave Inc. (NASDAQ:DAVE) Soars 43% But It's A Story Of Risk Vs Reward

Dave: Ready To Move Higher In 2024

Feb 26

Dave: Do Not Short The Blistering Rally Of This Neobank

Feb 12

Market Might Still Lack Some Conviction On Dave Inc. (NASDAQ:DAVE) Even After 27% Share Price Boost

Jan 17
Market Might Still Lack Some Conviction On Dave Inc. (NASDAQ:DAVE) Even After 27% Share Price Boost

Dave Inc. (NASDAQ:DAVE) Doing What It Can To Lift Shares

Nov 14
Dave Inc. (NASDAQ:DAVE) Doing What It Can To Lift Shares

Earnings Update: Dave Inc. (NASDAQ:DAVE) Just Reported And Analysts Are Trimming Their Forecasts

Mar 09
Earnings Update: Dave Inc. (NASDAQ:DAVE) Just Reported And Analysts Are Trimming Their Forecasts

이익 및 매출 성장 예측

NasdaqGM:DAVE - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
12/31/20278272394334698
12/31/20266991923383659
12/31/2025554196283290N/A
9/30/2025491147232238N/A
6/30/202543355185192N/A
3/31/202538152145152N/A
12/31/202434758118125N/A
9/30/2024319419199N/A
6/30/2024293297077N/A
3/31/202427405159N/A
12/31/2023259-492534N/A
9/30/2023246-70514N/A
6/30/2023237-106-25-16N/A
3/31/2023221-110-48-39N/A
12/31/2022205-129-54-45N/A
9/30/2022186-123-55-46N/A
6/30/2022170-83-35-26N/A
3/31/2022161-53-17-11N/A
12/31/2021153-20-7-1N/A
9/30/2021147-192530N/A
6/30/2021139-5812N/A
3/31/2021129-8916N/A
12/31/2020122-71822N/A
12/31/201976N/A-13-11N/A

애널리스트 향후 성장 전망

수입 대 저축률: DAVE 의 연간 예상 수익 증가율(10%)이 saving rate(3.5%)보다 높습니다.

수익 vs 시장: DAVE 의 연간 수익(10%)이 US 시장(16.1%)보다 느리게 성장할 것으로 예상됩니다.

고성장 수익: DAVE 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: DAVE 의 수익(연간 19.7%)이 US 시장(연간 11.3%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: DAVE 의 수익(연간 19.7%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: DAVE의 자본 수익률은 3년 후 192.9%로 매우 높을 것으로 예상됩니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/05 07:40
종가2026/05/05 00:00
수익2025/12/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

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분석가 소스

Dave Inc.는 13명의 분석가가 다루고 있습니다. 이 중 9명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Gary PrestopinoBarrington Research Associates, Inc.
Mark PalmerBenchmark Company
Harold GoetschB. Riley Securities, Inc.