Dave Inc. (DAVE)Technology | Software - Application | Los Angeles, United States | NasdaqGM
378.55 USD
+4.54
(1.214%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 378.71 +0.16 (0.043%) ⇧ (Aug. 28, 2026, 7:59 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 3:02 a.m. EDT
Dave Inc. presents a compelling high-risk, high-reward profile driven by exceptional operational fundamentals but marred by significant price volatility. The business is generating robust returns on equity exceeding 100% and posting nearly 30% revenue growth, which justifies a strong long-term buy rating despite the stock's four-year cumulative decline. The balance sheet remains healthy with minimal net debt, supporting the thesis that the current valuation gap reflects market skepticism rather than business failure. However, the short-term outlook is clouded by technical weakness; the stock trades below its fifty-day moving average, and options flow reveals heavy defensive put buying, signaling that traders expect further turbulence. With a beta nearing 4, this is a speculative vehicle for investors comfortable with extreme swings who believe the turnaround is permanent. There is no income component to cushion the ride, making the capital appreciation thesis entirely dependent on continued execution and market sentiment stabilization. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.272213 |
| MSTL | 0.353263 |
| AutoETS | 0.362270 |
| AutoARIMA | 0.362277 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 32% |
| H-stat | 5.74 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.190 |
| Excess Kurtosis | -1.08 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 129.139 |
| Revenue per Share | 48.466 |
| Market Cap | 4,828,597,248 |
| Trailing P/E | 24.10 |
| Forward P/E | 17.22 |
| Beta | 3.86 |
| Profit Margins | 34.59% |
| Previous Name | Dave, Inc. |
| Website | https://dave.com |
As of Aug. 22, 2026, 3:02 a.m. EDT: Implied volatility remains elevated across all expirations, indicating uncertainty. Put open interest dominates in several key months, particularly September and November, suggesting significant downside hedging or bearish positioning. Call activity clusters near the current price and slightly above, with notable volume spikes at strikes 345 and 470, while deep out-of-the-money calls show limited participation. The mix suggests speculators are protecting capital against a potential correction rather than aggressively betting on a breakout.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.7798134 |
| Address1 | 1,265 South Cochran Avenue |
| All Time High | 491.072 |
| All Time Low | 4.467 |
| Ask | 556.46 |
| Ask Size | 2 |
| Audit Risk | 5 |
| Average Analyst Rating | 1.6 - Buy |
| Average Daily Volume10 Day | 374,100 |
| Average Daily Volume3 Month | 526,943 |
| Average Volume | 526,943 |
| Average Volume10Days | 374,100 |
| Beta | 3.861 |
| Bid | 311.06 |
| Bid Size | 2 |
| Board Risk | 9 |
| Book Value | 16.298 |
| City | Los Angeles |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 9 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 378.55 |
| Current Ratio | 4.223 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 388.0 |
| Day Low | 365.9895 |
| Debt To Equity | 129.139 |
| Display Name | Dave |
| Earnings Call Timestamp End | 1,785,963,600 |
| Earnings Call Timestamp Start | 1,785,963,600 |
| Earnings Growth | -0.21 |
| Earnings Quarterly Growth | -0.26 |
| Earnings Timestamp | 1,785,960,000 |
| Earnings Timestamp End | 1,793,822,400 |
| Earnings Timestamp Start | 1,793,822,400 |
| Ebitda | 232,342,000 |
| Ebitda Margins | 0.36097 |
| Enterprise To Ebitda | 20.844 |
| Enterprise To Revenue | 7.524 |
| Enterprise Value | 4,842,992,128 |
| Eps Current Year | 17.3259 |
| Eps Forward | 21.98209 |
| Eps Trailing Twelve Months | 15.71 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 371.402 |
| Fifty Day Average Change | 7.1479797 |
| Fifty Day Average Change Percent | 0.019245937 |
| Fifty Two Week Change Percent | 77.98134 |
| Fifty Two Week High | 458.25 |
| Fifty Two Week High Change | -79.70001 |
| Fifty Two Week High Change Percent | -0.17392255 |
| Fifty Two Week Low | 152.21 |
| Fifty Two Week Low Change | 226.33998 |
| Fifty Two Week Low Change Percent | 1.4870243 |
| Fifty Two Week Range | 152.21 - 458.25 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,619,443,800,000 |
| Float Shares | 9,509,613 |
| Forward Eps | 21.98209 |
| Forward P E | 17.220837 |
| Free Cashflow | 167,170,368 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 280 |
| Fullday Change | 4.53998 |
| Fullday Change Percent | 1.21387 |
| Fullday Price | 378.7113 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.71748 |
| Gross Profits | 461,809,984 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.108009994 |
| Held Percent Institutions | 1.10209 |
| Implied Shares Outstanding | 12,755,507 |
| Industry | Software - Application |
| Industry Disp | Software - Application |
| Industry Key | software-application |
| Ipo Expected Date | 2,022-01-06 |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,672,963,200 |
| Last Split Factor | 1:32 |
| Long Business Summary | Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California. |
| Long Name | Dave Inc. |
| Market | us_market |
| Market Cap | 4,828,597,248 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_428692535 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-08-28 |
| Net Income To Common | 222,636,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 4,770,687,172 |
| Number Of Analyst Opinions | 12 |
| Open | 378.1 |
| Operating Cashflow | 326,945,984 |
| Operating Margins | 0.32945 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 844 857 3283 |
| Post Market Change | 0.16131592 |
| Post Market Change Percent | 0.042614166 |
| Post Market Price | 378.7113 |
| Post Market Time | 1,787,961,586 |
| Prev Name | Dave, Inc. |
| Previous Close | 374.01 |
| Price Eps Current Year | 21.848793 |
| Price Hint | 2 |
| Price To Book | 23.226774 |
| Price To Sales Trailing12 Months | 7.501864 |
| Profit Margins | 0.34589002 |
| Quick Ratio | 2.178 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.61538 |
| Region | US |
| Regular Market Change | 4.53998 |
| Regular Market Change Percent | 1.21387 |
| Regular Market Day High | 388.0 |
| Regular Market Day Low | 365.9895 |
| Regular Market Day Range | 365.9895 - 388.0 |
| Regular Market Open | 378.1 |
| Regular Market Previous Close | 374.01 |
| Regular Market Price | 378.55 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 360,685 |
| Return On Assets | 0.3101 |
| Return On Equity | 1.04779 |
| Revenue Growth | 0.296 |
| Revenue Per Share | 48.466 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 11,441,425 |
| Shares Percent Shares Out | 0.1907 |
| Shares Short | 2,432,593 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 2,349,330 |
| Short Name | Dave Inc. |
| Short Percent Of Float | 0.2168 |
| Short Ratio | 5.12 |
| Source Interval | 15 |
| State | CA |
| Symbol | DAVE |
| Target High Price | 490.0 |
| Target Low Price | 350.0 |
| Target Mean Price | 436.58334 |
| Target Median Price | 449.5 |
| Total Cash | 254,072,000 |
| Total Cash Per Share | 19.919 |
| Total Debt | 268,467,008 |
| Total Revenue | 643,652,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 15.71 |
| Trailing P E | 24.096117 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 255.57104 |
| Two Hundred Day Average Change | 122.97894 |
| Two Hundred Day Average Change Percent | 0.4811928 |
| Type Disp | Equity |
| Volume | 360,685 |
| Website | https://dave.com |
| Zip | 90,019 |