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DAVE logo

Dave NasdaqGM:DAVE Stock Report

Last Price

US$83.20

Market Cap

US$1.1b

7D

9.2%

1Y

137.5%

Updated

14 Apr, 2025

Data

Company Financials +

Dave Inc.

NasdaqGM:DAVE Stock Report

Market Cap: US$1.1b

DAVE Stock Overview

Provides various financial products and services through its financial services platform in the United States. More details

DAVE fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance3/6
Financial Health5/6
Dividends0/6

Rewards

Earnings are forecast to grow 10.77% per year

Became profitable this year

Analysts in good agreement that stock price will rise by 52.8%

Risk Analysis

Large one-off items impacting financial results


Dave Inc. Competitors

MoneyLion

NYSE:ML

US$965.0m

LexinFintech Holdings

NasdaqGS:LX

US$1.1b

EZCORP

NasdaqGS:EZPW

US$856.5m

LendingClub

NYSE:LC

US$1.0b

Price History & Performance

Summary of share price highs, lows and changes for Dave
Historical stock prices
Current Share PriceUS$83.20
52 Week HighUS$125.00
52 Week LowUS$28.31
Beta3.52
1 Month Change-3.59%
3 Month Change1.44%
1 Year Change137.51%
3 Year Change-47.37%
5 Year Changen/a
Change since IPO-73.47%

Recent News & Updates

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

Recent updates

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%
author-image

Innovative Fintech Optimizes Operations And Expands Products For Robust Profit Growth

Sep 24 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

Dave names new technology chief

Sep 06

Dave Grows Member Base As Economic Conditions Tighten

Jul 14

Is Dave Stock A Buy, Sell, Or Hold Now? There Are Reasons To Be Skeptical

Mar 29

Shareholder Returns

DAVEUS Consumer FinanceUS Market
7D9.2%6.7%6.8%
1Y137.5%15.4%5.9%

Return vs Industry: DAVE exceeded the US Consumer Finance industry which returned 13.5% over the past year.

Return vs Market: DAVE exceeded the US Market which returned 4.8% over the past year.

Price Volatility

Is DAVE's price volatile compared to industry and market?
DAVE volatility
DAVE Average Weekly Movement11.3%
Consumer Finance Industry Average Movement8.5%
Market Average Movement7.7%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market4.1%

Stable Share Price: DAVE has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: DAVE's weekly volatility (11%) has been stable over the past year.

Community vs My Fair Value

Select a narrative for quick price alerts from the community, or create your own.

DAVE logo
Dave
AN
AnalystConsensusTarget
Consensus Narrative from 8 Analysts

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

Key Takeaways New fee structure and CashAI model enhancements are expected to boost ARPU, reduce credit losses, and improve net margins. Strategic partnerships and marketing investments align with strong member acquisition to sustain revenue growth while maintaining expense discipline.
View narrative
US$127.13
FV
34.6% undervalued intrinsic discount
18.46%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
18users have followed this narrative
6 days ago author updated this narrative
View Dave Community

About the Company

FoundedEmployeesCEOWebsite
2015274Jason Wilkdave.com

Dave Inc. provides various financial products and services through its financial services platform in the United States. The company offers Budget, personal financial management tool that helps members with budgeting, and managing income and expenses; ExtraCash, a short-term liquidity alternative, which allows members to advance funds to their account through automated clearing house network and avoid a fee; Side Hustle, a job application portal to find supplemental or temporary work; and Surveys, which allows member to take paid surveys within the Dave mobile application. It also provides Dave Banking, a digital checking and demand deposit account.

Dave Inc. Fundamentals Summary

How do Dave's earnings and revenue compare to its market cap?
DAVE fundamental statistics
Market capUS$1.09b
Earnings (TTM)US$57.87m
Revenue (TTM)US$347.08m

18.8x

P/E Ratio

3.1x

P/S Ratio

Is DAVE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
DAVE income statement (TTM)
RevenueUS$347.08m
Cost of RevenueUS$137.41m
Gross ProfitUS$209.67m
Other ExpensesUS$151.80m
EarningsUS$57.87m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)4.42
Gross Margin60.41%
Net Profit Margin16.67%
Debt/Equity Ratio41.0%

How did DAVE perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/14 21:56
End of Day Share Price 2025/04/14 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Dave Inc. is covered by 10 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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