DAVE - NASDAQ

Dave Inc.

Dave Inc.

DAVEยทNASDAQ

$249.33

+1.3%
TechnologySoftware - Application

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$3.35B
EPS14.6500
P/E Ratio17.02
Earnings Date08/05/2026
Dave Inc.

Dave Inc. Fair Value Envelope

DAVE ยท NASDAQ

Our analysis suggests that DAVE has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $249.33, this represents a potential HIDDEN relative to our calculated worth for Dave Inc..

HIDDEN
Intrinsic Value
Current Price: $249.33

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$2,636.4B
+ Cash & Equivalents$80.5M
Firm Value$2,636.5B
- Debt$75.2M
Equity Value$2,636.4B
/ Shares Outstanding13,504,342B
DCF Value$195.2K
UNDERVALUED BY 78200%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$580.0M
$1.2B
$2.3B
$4.6B
$9.3B
$18.6B
$37.1B
$74.2B
$148.5B
$297.0B
Maintenance CapEx
-$126.8K
-$253.6K
-$507.2K
-$1.0M
-$2.0M
-$4.1M
-$8.1M
-$16.2M
-$32.5M
-$64.9M
Owner Earnings
$579.9M
$1.2B
$2.3B
$4.6B
$9.3B
$18.6B
$37.1B
$74.2B
$148.5B
$296.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$537.0M
$994.4M
$1.8B
$3.4B
$6.3B
$11.7B
$21.7B
$40.1B
$74.3B
$137.5B
Terminal Value represents 88.7% of Enterprise Value

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3

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4

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5

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6

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