(DAVE) Dave - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US23834J1025
Stock: Budgeting, Cash Advance, Jobs, Banking
Total Rating 62
Risk 77
Buy Signal -0.61
| Risk 5d forecast | |
|---|---|
| Volatility | 88.3% |
| Relative Tail Risk | -11.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.39 |
| Alpha | 79.76 |
| Character TTM | |
|---|---|
| Beta | 3.621 |
| Beta Downside | 1.575 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.67% |
| CAGR/Max DD | 4.99 |
EPS (Earnings per Share)
Revenue
Risks
Technicals:
volatile
Description: DAVE Dave March 04, 2026
Dave Inc. operates a financial services platform in the United States. The company offers a suite of tools including budgeting, short-term cash advances (ExtraCash), and a job portal (Side Hustle). Its primary business model focuses on providing accessible financial solutions to consumers, a growing segment within fintech.
Key offerings include personal financial management tools, a short-term liquidity alternative, and a platform for supplemental income generation. The company also provides Dave Banking, a digital checking account, aligning with the broader trend of challenger banks.
To further explore Daves market position and financial health, consider researching its performance metrics on ValueRay.
Headlines to watch out for
- ExtraCash loan volume growth boosts transaction revenue
- Regulatory scrutiny on lending practices threatens ExtraCash model
- User acquisition costs impact profitability
- Interest rate hikes affect borrowing costs and loan demand
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 195.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.59 > 0.02 and ΔFCF/TA 19.88 > 1.0 |
| NWC/Revenue: 63.04% < 20% (prev 71.23%; Δ -8.19% < -1%) |
| CFO/TA 0.60 > 3% & CFO 290.0m > Net Income 195.9m |
| Net Debt (-5.32m) to EBITDA (182.0m): -0.03 < 3 |
| Current Ratio: 3.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.4m) vs 12m ago 0.10% < -2% |
| Gross Margin: 79.81% > 18% (prev 0.91%; Δ 7.89k% > 0.5%) |
| Asset Turnover: 130.1% > 50% (prev 116.0%; Δ 14.18% > 0%) |
| Interest Coverage Ratio: 24.82 > 6 (EBITDA TTM 182.0m / Interest Expense TTM 7.04m) |
Altman Z'' 7.96
| A: 0.66 (Total Current Assets 436.7m - Total Current Liabilities 114.0m) / Total Assets 487.4m |
| B: 0.09 (Retained Earnings 43.4m / Total Assets 487.4m) |
| C: 0.44 (EBIT TTM 174.8m / Avg Total Assets 393.4m) |
| D: 0.33 (Book Value of Equity 43.8m / Total Liabilities 134.7m) |
| Altman-Z'' Score: 7.96 = AAA |
Beneish M -2.08
| DSRI: 1.15 (Receivables 297.3m/175.9m, Revenue 511.9m/347.1m) |
| GMI: 1.14 (GM 79.81% / 91.25%) |
| AQI: 1.94 (AQ_t 0.10 / AQ_t-1 0.05) |
| SGI: 1.47 (Revenue 511.9m / 347.1m) |
| TATA: -0.19 (NI 195.9m - CFO 290.0m) / TA 487.4m) |
| Beneish M-Score: -2.08 (Cap -4..+1) = BB |
What is the price of DAVE shares?
As of March 18, 2026, the stock is trading at USD 210.19 with a total of 363,591 shares traded.
Over the past week, the price has changed by -6.72%, over one month by +19.01%, over three months by +6.72% and over the past year by +140.93%.
Over the past week, the price has changed by -6.72%, over one month by +19.01%, over three months by +6.72% and over the past year by +140.93%.
Is DAVE a buy, sell or hold?
Dave has received a consensus analysts rating of 4.75.
Therefore, it is recommended to buy DAVE.
- StrongBuy: 6
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the DAVE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 318 | 51.3% |
| Analysts Target Price | 318 | 51.3% |
DAVE Fundamental Data Overview March 17, 2026
P/E Trailing = 15.6704
P/E Forward = 14.881
P/S = 5.0729
P/B = 7.9702
Revenue TTM = 511.9m USD
EBIT TTM = 174.8m USD
EBITDA TTM = 182.0m USD
Long Term Debt = 75.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 75.1m USD (from shortTermDebt, last quarter)
Debt = 75.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.32m USD (from netDebt column, last quarter)
Enterprise Value = 2.77b USD (2.81b + Debt 75.2m - CCE 121.3m)
Interest Coverage Ratio = 24.82 (Ebit TTM 174.8m / Interest Expense TTM 7.04m)
EV/FCF = 9.59x (Enterprise Value 2.77b / FCF TTM 288.3m)
FCF Yield = 10.43% (FCF TTM 288.3m / Enterprise Value 2.77b)
FCF Margin = 56.33% (FCF TTM 288.3m / Revenue TTM 511.9m)
Net Margin = 38.27% (Net Income TTM 195.9m / Revenue TTM 511.9m)
Gross Margin = 79.81% ((Revenue TTM 511.9m - Cost of Revenue TTM 103.4m) / Revenue TTM)
Gross Margin QoQ = 69.26% (prev 72.38%)
Tobins Q-Ratio = 5.67 (Enterprise Value 2.77b / Total Assets 487.4m)
Interest Expense / Debt = 2.29% (Interest Expense 1.72m / Debt 75.2m)
Taxrate = 21.0% (US default 21%)
NOPAT = 138.1m (EBIT 174.8m * (1 - 21.00%))
Current Ratio = 3.83 (Total Current Assets 436.7m / Total Current Liabilities 114.0m)
Debt / Equity = 0.21 (Debt 75.2m / totalStockholderEquity, last quarter 352.7m)
Debt / EBITDA = -0.03 (Net Debt -5.32m / EBITDA 182.0m)
Debt / FCF = -0.02 (Net Debt -5.32m / FCF TTM 288.3m)
Total Stockholder Equity = 265.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 49.81% (Net Income 195.9m / Total Assets 487.4m)
RoE = 73.90% (Net Income TTM 195.9m / Total Stockholder Equity 265.1m)
RoCE = 51.40% (EBIT 174.8m / Capital Employed (Equity 265.1m + L.T.Debt 75.0m))
RoIC = 40.61% (NOPAT 138.1m / Invested Capital 340.1m)
WACC = 18.81% (E(2.81b)/V(2.89b) * Re(19.26%) + D(75.2m)/V(2.89b) * Rd(2.29%) * (1-Tc(0.21)))
Discount Rate = 19.26% (= CAPM, Blume Beta Adj.) -> capped to 17.85%
Shares Correlation 3-Years: 100.0 | Cagr: 7.30%
[DCF] Terminal Value 53.51% ; FCFF base≈220.0m ; Y1≈271.4m ; Y5≈462.3m
[DCF] Fair Price = 198.1 (EV 2.36b - Net Debt -5.32m = Equity 2.37b / Shares 11.9m; r=18.81% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 98.48 | EPS CAGR: 160.5% | SUE: 1.06 | # QB: 6
Revenue Correlation: 97.97 | Revenue CAGR: 32.27% | SUE: -1.88 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.37 | Chg7d=-0.014 | Chg30d=-0.014 | Revisions Net=+1 | Analysts=8
EPS current Year (2026-12-31): EPS=14.63 | Chg7d=-0.083 | Chg30d=+0.313 | Revisions Net=+2 | Growth EPS=+11.0% | Growth Revenue=+25.9%
EPS next Year (2027-12-31): EPS=17.53 | Chg7d=-0.070 | Chg30d=+0.832 | Revisions Net=+0 | Growth EPS=+19.8% | Growth Revenue=+18.6%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 11.5% (Discount Rate 17.9% - Earnings Yield 6.4%)
[Growth] Growth Spread = +15.9% (Analyst 27.4% - Implied 11.5%)
P/E Forward = 14.881
P/S = 5.0729
P/B = 7.9702
Revenue TTM = 511.9m USD
EBIT TTM = 174.8m USD
EBITDA TTM = 182.0m USD
Long Term Debt = 75.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 75.1m USD (from shortTermDebt, last quarter)
Debt = 75.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.32m USD (from netDebt column, last quarter)
Enterprise Value = 2.77b USD (2.81b + Debt 75.2m - CCE 121.3m)
Interest Coverage Ratio = 24.82 (Ebit TTM 174.8m / Interest Expense TTM 7.04m)
EV/FCF = 9.59x (Enterprise Value 2.77b / FCF TTM 288.3m)
FCF Yield = 10.43% (FCF TTM 288.3m / Enterprise Value 2.77b)
FCF Margin = 56.33% (FCF TTM 288.3m / Revenue TTM 511.9m)
Net Margin = 38.27% (Net Income TTM 195.9m / Revenue TTM 511.9m)
Gross Margin = 79.81% ((Revenue TTM 511.9m - Cost of Revenue TTM 103.4m) / Revenue TTM)
Gross Margin QoQ = 69.26% (prev 72.38%)
Tobins Q-Ratio = 5.67 (Enterprise Value 2.77b / Total Assets 487.4m)
Interest Expense / Debt = 2.29% (Interest Expense 1.72m / Debt 75.2m)
Taxrate = 21.0% (US default 21%)
NOPAT = 138.1m (EBIT 174.8m * (1 - 21.00%))
Current Ratio = 3.83 (Total Current Assets 436.7m / Total Current Liabilities 114.0m)
Debt / Equity = 0.21 (Debt 75.2m / totalStockholderEquity, last quarter 352.7m)
Debt / EBITDA = -0.03 (Net Debt -5.32m / EBITDA 182.0m)
Debt / FCF = -0.02 (Net Debt -5.32m / FCF TTM 288.3m)
Total Stockholder Equity = 265.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 49.81% (Net Income 195.9m / Total Assets 487.4m)
RoE = 73.90% (Net Income TTM 195.9m / Total Stockholder Equity 265.1m)
RoCE = 51.40% (EBIT 174.8m / Capital Employed (Equity 265.1m + L.T.Debt 75.0m))
RoIC = 40.61% (NOPAT 138.1m / Invested Capital 340.1m)
WACC = 18.81% (E(2.81b)/V(2.89b) * Re(19.26%) + D(75.2m)/V(2.89b) * Rd(2.29%) * (1-Tc(0.21)))
Discount Rate = 19.26% (= CAPM, Blume Beta Adj.) -> capped to 17.85%
Shares Correlation 3-Years: 100.0 | Cagr: 7.30%
[DCF] Terminal Value 53.51% ; FCFF base≈220.0m ; Y1≈271.4m ; Y5≈462.3m
[DCF] Fair Price = 198.1 (EV 2.36b - Net Debt -5.32m = Equity 2.37b / Shares 11.9m; r=18.81% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 98.48 | EPS CAGR: 160.5% | SUE: 1.06 | # QB: 6
Revenue Correlation: 97.97 | Revenue CAGR: 32.27% | SUE: -1.88 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.37 | Chg7d=-0.014 | Chg30d=-0.014 | Revisions Net=+1 | Analysts=8
EPS current Year (2026-12-31): EPS=14.63 | Chg7d=-0.083 | Chg30d=+0.313 | Revisions Net=+2 | Growth EPS=+11.0% | Growth Revenue=+25.9%
EPS next Year (2027-12-31): EPS=17.53 | Chg7d=-0.070 | Chg30d=+0.832 | Revisions Net=+0 | Growth EPS=+19.8% | Growth Revenue=+18.6%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 11.5% (Discount Rate 17.9% - Earnings Yield 6.4%)
[Growth] Growth Spread = +15.9% (Analyst 27.4% - Implied 11.5%)