DAVE

Dave Inc.

Fundamental data last updated:October 24, 2026

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company profile

SECTOR

Technology

industry

Software - Application

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Dave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.

 


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VALUATION

P/E

16.05

Market Cap ($M USD)

$3.61B

Forward P/E

9.66

PEG

0.15

PRICE TO SALES

5.98

PRICE TO BOOK

17.72

EV / EBITDA

17.15

5-Year Average P/E

Free Cash Flow Yield

9.03%

DCF Value

$-107.81

Graham Number

$75.60

Price to FCF

11.07

EV to FCF

11.48

Earnings Yield

6.23%

FCF Yield

9.03%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$16.75

Next Year EPS Growth Estimate

$27.83

Next Year Revenue Growth Estimate

$1.08B

Return on Equity (ROE)

84.51%

FREE CASH FLOW

Operating Margin

34.90%

Debt-to-Equity

0.21

Piotroski F-Score

6

Altman Z-Score

9.59

Return on Invested Capital (ROIC)

51.96%

Current Ratio

3.86

Quick Ratio

3.86

Net Debt to EBITDA

0.62

Interest Coverage

30.09

Gross Profit margin

87.14%

FCF PER SHARE

$24.30

REVENUE PER SHARE

$45.00

Analyze DAVE on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing DAVE Dave Inc. significantly. Despite a robust Altman Z-score of 9.68 indicating financial safety, the stock’s DCF value is deeply negative, suggesting overvaluation. The Forward P/E of 37.70 is steep, especially when juxtaposed with an earnings yield of just 6.53%. The Graham Number further underscores this disconnect, as the stock trades well above it. While the company exhibits strong growth potential, the valuation metrics suggest caution.

AI Exposure / Tech Reliance

Operating within the Software - Application industry, DAVE Dave Inc. is well-positioned to leverage AI advancements. The sector's inherent adaptability to technological shifts provides a fertile ground for innovation. This positioning could enhance their competitive edge in an increasingly digital world.

The Bull Case

For the discerning GARP investor, DAVE Dave Inc. offers compelling strengths. A high ROIC of 6.65% indicates efficient capital use, while a solid FCF yield of 9.48% suggests strong cash generation. Despite a middling Piotroski F-Score of 4, the company's impressive gross profit margin of 81.47% highlights its pricing power. These factors collectively paint a picture of a company with robust operational efficiency and potential for sustained growth.

The Bear Case

However, the stock is not without its pitfalls. The Price/Book ratio of 16.90 and Price/Sales of 6.25 signal a potentially overextended valuation. The Forward P/E is alarmingly high, suggesting the market expects perfection. Additionally, trading close to its 52-week high, the stock appears technically overextended. These factors raise concerns about whether the current price justifies the underlying fundamentals.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$329.75

Institutional Ownership %

1-Year Beta

3.94

Insider Buying % (6 Mo)

Distance to 52-Week High

7.02%

Distance to 52-Week Low

43.38%

EARNINGS SURPRISE %

52.27%

50-DAY SMA

$229.54

200-DAY SMA

$212.59

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.