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Dave Inc

Dave Inc

DAVE
$350.71USD↓-2.13%-7.65 today

MARKET CAP

4.5B

P/E (TTM)

22.6x

FWD P/E

—

DAY RANGE

$346 – $366

52W RANGE

$152
$458

AI Summary

Stalk
StalkMedium

DAVE remains in a secular and medium-term uptrend, supported by the rising 200-day SMA, but short-term momentum has weakened as price trades below the 9-day and 20-day EMAs. The current pullback deserves patience, with entry deferred until pullback acceptance into the short EMAs or the near-term support around 350.71. A decisive break below that support zone and the 200-day SMA would invalidate the bullish setup.

  • ↑Q2 2026 revenue $170.8M up 30% YoY; adjusted EBITDA $76M (+48%).
  • ↑Raised FY revenue guidance to $725–735M; EPS outlook $17.00–17.50.
  • ↓Revenue growth decelerated to 30% from 47% last quarter.
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The case for & against

Bull & Bear analysis

Bearish

Dave Inc. (NASDAQ:DAVE) is an emerging player in the fintech sector, providing innovative banking solutions that cater primarily to younger consumers and those seeking accessible financial services. Positioned within the realm of digital banking and personal finance management, the company offers products designed to support users with budgeting, loans, and banking services. Through its user-friendly mobile application, Dave aims to empower individuals by promoting financial literacy and accessibility, thereby carving a niche in a rapidly evolving financial landscape.

Bull says

  • ↑Q2 2026 revenue $170.8M up 30% YoY; adjusted EBITDA $76M (+48%).
  • ↑Raised FY revenue guidance to $725–735M; EPS outlook $17.00–17.50.
  • ↑Investments in marketing and AI to enhance user engagement and growth.
  • ↑Strong profitability factors, high earnings yield and robust liquidity.
  • ↑Elevated institutional backing via 13F ownership supports credibility.
  • ↑Stock rebounded ~5.6% post-earnings, showing market resilience.

Bear says

  • ↓Revenue growth decelerated to 30% from 47% last quarter.
  • ↓Shares dropped 13-15% post-earnings; high volatility deters investors.
  • ↓Director resignation raises management stability and governance concerns.
  • ↓Negative dividend yield of -2.97% restricts shareholder returns.
  • ↓Low book-to-price metric signals valuation concerns.
  • ↓Weak overall financial-quality factors highlight underlying risks.

Investment themes with DAVE

High Dividend Yield↑ +0.15%

Companies paying above-average dividends

AISP · SMR · NWL

Earnings Call · Q3 2023 · Mgmt. Guidance

Updated 02-12-2025bullish

Transcript signals

Bull points

  • We are pleased to record our third quarter results as we exceeded expectations across our key operational and financial metrics.
  • We grew our non-GAAP variable profit by over 50%, demonstrated the sustainability of our non-GAAP variable margin improvements and made significant progress on our path to profitability, approaching breakeven on a non-GAAP adjusted EBITDA basis.
  • Total GAAP revenue in Q3 was $65.8 million, up 16% from Q3 of last year.

Bear points

  • GAAP net loss for the third quarter improved to $12.1 million compared to a net loss of $47.5 million in the third quarter of 2022, representing a 75% improvement.
Read full transcript analysis ›