Dave (DAVE) Stock Price, News & Analysis

Company Overview

Dave, Inc. is a Los Angeles–based financial technology company founded in 2016 by Jason Wilk and John Wolanin. The company offers a subscription-based mobile app designed to help consumers avoid overdraft fees, manage their budgets and track expenses. Through its platform, members receive low-balance alerts, expense categorization and cash-advance capabilities tied to upcoming deposits.

At the core of Dave’s offering is fee-free overdraft protection: eligible users can request small, interest-free advances up to a preset limit, typically repaid on their next paycheck or deposit. Dave Banking, provided in partnership with Evolve Bank & Trust, delivers FDIC-insured checking accounts and a branded debit card. The app also includes Dave Earn, a savings component that offers competitive interest rates, as well as tools and resources to help users find side gigs and additional income opportunities.

In January 2022, Dave completed a merger with a special purpose acquisition company and began trading on the Nasdaq under the ticker DAVE. The firm serves customers across the United States and continues to expand its user base through strategic partnerships and product enhancements. Headquartered in Los Angeles, Dave is led by CEO Jason Wilk, who has guided the company’s evolution from a cash-advance startup into a broader digital banking provider.

Key Stats

• Today's Range: $215.00 to $224.91
• 50-Day Range: $183.02 to $242.56
• 52-Week Range: $37.44 to $286.45
• Volume: 390,534 shs
• Average Volume: 406,914 shs
• Market Capitalization: $2.98 billion
• P/E Ratio: 58.34
• Dividend Yield: N/A
• Price Target: $274.13
• Consensus Rating: Moderate Buy

Dave Stock Analysis - MarketRank™

Dave scored higher than 76% of companies evaluated by MarketBeat, and ranked 84th out of 323 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Dave has received a consensus rating of Moderate Buy. The company's average rating score is 2.64, and is based on 8 buy ratings, 2 hold ratings, and 1 sell rating.

Upside Potential

Dave has a consensus price target of $274.13, representing about 24.3% upside from its current price of $220.54.

Amount of Analyst Coverage

Dave has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 171.96%

Earnings Growth

Earnings for Dave are expected to grow by 171.96% in the coming year, from $1.07 to $2.91 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Dave is 58.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.23.

Price to Earnings Ratio vs. Sector

The P/E ratio of Dave is 58.34, which means that it is trading at a more expensive P/E ratio than the Business Services sector average P/E ratio of about 26.60.

Price to Book Value per Share Ratio

Dave has a P/B Ratio of 15.74. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

14.54% of the float of Dave has been sold short.

Short Interest Ratio / Days to Cover

Dave has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Dave has recently increased by 7.19%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Dave does not currently pay a dividend.

Dividend Growth

Dave does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

14.54% of the float of Dave has been sold short.

Short Interest Ratio / Days to Cover

Dave has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Dave has recently increased by 7.19%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.22

News Sentiment

Dave has a news sentiment score of 0.22. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.68 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 54 news articles for Dave this week, compared to 38 articles on an average week.

Search Interest

Only 32 people have searched for DAVE on MarketBeat in the last 30 days. This is a decrease of -9% compared to the previous 30 days.

MarketBeat Follows

8 people have added Dave to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Dave insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $50,301,987.00 in company stock.

Percentage Held by Insiders

28.48% of the stock of Dave is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 18.01% of the stock of Dave is held by institutions.

DAVE Stock Analysis - Frequently Asked Questions

How have DAVE shares performed this year?

Dave's stock was trading at $86.92 on January 1st, 2025. Since then, DAVE stock has increased by 153.7% and is now trading at $220.54.

How were Dave's earnings last quarter?

Dave Inc. (NASDAQ:DAVE) posted its earnings results on Thursday, May, 8th. The fintech company reported $1.97 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.82 by $1.15. The fintech company earned $73.63 million during the quarter. Dave had a net margin of 12.74% and a trailing twelve-month return on equity of 33.02%.
Read the conference call transcript.

How will Dave's stock buyback program work?

Dave's Board of Directors initiated a stock buyback program on Wednesday, August 13th 2025, which permits the company to buy back $125,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 5.1% of its shares through open market purchases. Shares buyback programs are often a sign that the company's board believes its shares are undervalued.

Who are Dave's major shareholders?

Dave's top institutional investors include Voya Investment Management LLC (1.07%), Harbour Capital Advisors LLC (0.02%), CWM LLC (0.02%) and Harbor Capital Advisors Inc. (0.02%). Insiders that own company stock include 32 Fund 1 Lp Section, Jason Wilk, Kyle Beilman, Yadin Rozov, Imran Khan, Michael W Pope and Dan Preston.
View institutional ownership trends.

How do I buy shares of Dave?

Shares of DAVE stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Dave own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Dave investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Arista Networks (ANET), Adobe (ADBE), e.l.f. Beauty (ELF) and Jabil (JBL).

Company Calendar

• Last Earnings: 5/08/2025
• Today: 10/15/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Banking
• Current Symbol: NASDAQ:DAVE
• Previous Symbol: NASDAQ:DAVE
• CIK: 1841408
• Web: www.dave.com
• Phone: 844-857-3283
• Fax: N/A
• Employees: 250
• Year Founded: 2016

Price Target and Rating

• Average Price Target for Dave: $274.13
• High Price Target: $320.00
• Low Price Target: $177.00
• Potential Upside/Downside: +24.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.64
• Research Coverage: 11 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.78
• Trailing P/E Ratio: 58.34
• Forward P/E Ratio: 206.11
• P/E Growth: N/A
• Net Income: $57.87 million
• Net Margins: 12.74%
• Pretax Margin: 14.71%
• Return on Equity: 33.02%
• Return on Assets: 19.94%

Debt

• Debt-to-Equity Ratio: 0.35
• Current Ratio: 9.51
• Quick Ratio: 9.51

Sales & Book Value

• Annual Sales: $347.10 million
• Price / Sales: 8.58
• Cash Flow: $5.12 per share
• Price / Cash Flow: 43.08
• Book Value: $14.01 per share
• Price / Book: 15.74

Miscellaneous

• Outstanding Shares: 13,500,000
• Free Float: 9,654,000
• Market Cap: $2.98 billion
• Optionable: Optionable
• Beta: 3.88