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Technology - Software - Application - NASDAQ - US
$ 281.79
4.36 %
$ 3.76 B
Market Cap
78.93
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one DAVE stock under the worst case scenario is HIDDEN Compared to the current market price of 282 USD, Dave Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one DAVE stock under the base case scenario is HIDDEN Compared to the current market price of 282 USD, Dave Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one DAVE stock under the best case scenario is HIDDEN Compared to the current market price of 282 USD, Dave Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart DAVE

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$300.0$300.0$250.0$250.0$200.0$200.0$150.0$150.0$100.0$100.0$50.0$50.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
347 M REVENUE
33.96%
34.6 M OPERATING INCOME
182.02%
57.9 M NET INCOME
219.28%
125 M OPERATING CASH FLOW
270.73%
-45.8 M INVESTING CASH FLOW
-218.91%
-71 M FINANCING CASH FLOW
-322704.55%
108 M REVENUE
7.08%
35.1 M OPERATING INCOME
67.43%
28.8 M NET INCOME
71.50%
45.2 M OPERATING CASH FLOW
8.47%
-28.1 M INVESTING CASH FLOW
-4.63%
-19.9 M FINANCING CASH FLOW
-15574.02%
Balance Sheet Dave Inc.
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Current Assets 282 M
Cash & Short-Term Investments 90.3 M
Receivables 176 M
Other Current Assets 16.1 M
Non-Current Assets 17.1 M
Long-Term Investments 0
PP&E 1.21 M
Other Non-Current Assets 15.8 M
30.16 %58.75 %5.39 %5.29 %Total Assets$299.3m
Current Liabilities 35.1 M
Accounts Payable 6.77 M
Short-Term Debt 700 K
Other Current Liabilities 27.6 M
Non-Current Liabilities 81.2 M
Long-Term Debt 75.2 M
Other Non-Current Liabilities 5.96 M
5.82 %23.74 %64.70 %5.13 %Total Liabilities$116.2m
EFFICIENCY
Earnings Waterfall Dave Inc.
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Revenue 347 M
Cost Of Revenue 30.4 M
Gross Profit 317 M
Operating Expenses 282 M
Operating Income 34.6 M
Other Expenses -23.3 M
Net Income 57.9 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00347m(30m)317m(282m)35m23m58mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
91.25% GROSS MARGIN
91.25%
9.97% OPERATING MARGIN
9.97%
16.67% NET MARGIN
16.67%
31.61% ROE
31.61%
19.33% ROA
19.33%
12.53% ROIC
12.53%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Dave Inc.
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140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)202020202021202120222022202320232024202420252025
Net Income 57.9 M
Depreciation & Amortization 7.68 M
Capital Expenditures -262 K
Stock-Based Compensation 37.3 M
Change in Working Capital -1.84 M
Others 24.1 M
Free Cash Flow 125 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Dave Inc.
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Wall Street analysts predict an average 1-year price target for DAVE of $93.9 , with forecasts ranging from a low of $36 to a high of $229 .
DAVE Lowest Price Target Wall Street Target
36 USD -87.22%
DAVE Average Price Target Wall Street Target
93.9 USD -66.67%
DAVE Highest Price Target Wall Street Target
229 USD -18.73%
Price
Max Price Target
Min Price Target
Average Price Target
300300250250200200150150100100505000Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Dave Inc.
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Sold
0-3 MONTHS
72.6 M USD 7
3-6 MONTHS
0 USD 0
6-9 MONTHS
2.52 M USD 1
9-12 MONTHS
40.6 M USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
DAVE INC (DAVE) Is a Great Choice for 'Trend' Investors, Here's Why If you are looking for stocks that are well positioned to maintain their recent uptrend, DAVE INC (DAVE) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen. zacks.com - 2 weeks ago
NU vs. DAVE: Which Fintech Stock Should Investors Back Right Now? Nu Holdings scales across Latin America with 118M users, while Dave leverages AI and U.S. growth. Read on to know who will lead fintech's future. zacks.com - 2 weeks ago
Are Business Services Stocks Lagging Cap Gemini (CGEMY) This Year? Here is how Cap Gemini SA (CGEMY) and Dave Inc. (DAVE) have performed compared to their sector so far this year. zacks.com - 2 weeks ago
What next for the Dave stock price after the 3,300% surge? Dave stock price has been one of the best-performing companies in Wall Street in the past few months. After crashing to a low of $6 in 2023, it has jumped by over 3,300%, giving it a market capitalization of over $3.3 billion. invezz.com - 3 weeks ago
First Horizon Recognized by Dave Thomas Foundation as One of 100 Best Adoption-Friendly Workplaces The leading regional financial services company earned this distinction for the 17th consecutive year. MEMPHIS, Tenn. prnewswire.com - 3 weeks ago
4 Stock Market Winners Now With Relative Price Strength PEGA, MYRG, DAVE and FERG are standing out with strong relative price strength and bullish earnings revisions. zacks.com - 3 weeks ago
Intuit & 2 Other Strong Buy Profitable Stocks for Your Portfolio High net income ratios put Intuit, Dave and Centrus Energy among the top profitable picks in a narrowed 14-stock screen. zacks.com - 1 month ago
Hundreds of Dave Customers File Arbitration Claims, Alleging Misleading Promises and Hidden Fees NEW YORK , June 17, 2025 /PRNewswire/ -- Over 600 consumers have filed arbitration claims against Dave Operating LLC, a subsidiary of Dave, Inc. (NASDAQ: DAVE), the operator of the Dave financial services mobile application and platform. The consumers allege that Dave misled them as to its service offerings and charged hidden fees related to its ExtraCash earned wage access product. prnewswire.com - 1 month ago
Dave & Buster's Announces Promotion of Les Lehner to Chief Development Officer DALLAS, June 13, 2025 (GLOBE NEWSWIRE) -- Dave & Buster's Entertainment, Inc., (NASDAQ: PLAY), ("Dave & Buster's" or "the Company") today announced that it has promoted Les Lehner to the position of Chief Development Officer. Mr. Lehner most recently served as Chief Procurement Officer and Head of Main Event Development. globenewswire.com - 1 month ago
Is DAVE's Fintech Strategy Paying Dividends in User Engagement? Dave's user base hits 12.4 million in Q1 2025, fueled by a new fee model and strategic marketing despite rising CAC. zacks.com - 1 month ago
Dave Skyrockets 540% in a Year: Should You Buy the Stock Now? DAVE's AI-driven underwriting sharpens credit quality, lifts originations and fuels stronger EPS projections. zacks.com - 1 month ago
Why Dave & Buster's Entertainment Stock Jumped 15% Today Shares of Dave & Buster's Entertainment (PLAY 15.29%) jumped as much as 19.2% on Wednesday, despite a modest earnings report. The stock had cooled down to a 15.4% gain by 1 p.m. fool.com - 1 month ago
8. Profile Summary

Dave Inc. DAVE

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COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 3.76 B
Dividend Yield 0.00%
Description 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.
Contact 750 North San Vicente Boulevard 900W, West Hollywood, CA, 90069 https://dave.com
IPO Date April 26, 2021
Employees 274
Officers Mr. Jason Wilk Co-Founder, Chief Executive Officer, President & Chairman Mr. Kevin Frisch Chief Marketing Officer Mr. Gopi Kuchimanchi Vice President of Technology Ms. Joan Aristei J.D. Chief Legal Officer Mr. Grahame Fraser Head of Product Management Mr. Ryan Imai Director & Corporate Controller Ms. Shannon Sullivan Chief People Officer Mr. Kyle Beilman Chief Financial Officer & Secretary