DAVE Fair Value & DCF

DAVE$273.85-8.80 -3.11%
Market cap$3.13BEnterprise value$3.13BRevenue (TTM)$690.63MMarket position—

DAVE fair value $553.54. Price $273.85. Price is 51% below fair value.

Worked example

Cash-flow value. Starting free cash flow is $12.81 a share. Year 1 is the first earnings forecast, so it has no growth rate of its own. The forecast then reaches 46.45%, and that pace fades in a straight line to 3% terminal growth by year 10. The discount rate is 12.00% (beta 2.00, capped at 12%). It is beta-adjusted and capped at 12%. The cash-flow value is $532.66 a share.

Earnings value. Next-twelve-months earnings per share of $19.15 times 30.00 is $574.41. The peer group is Software - Application, 26 companies worth at least $10 billion. This stock has no 10-year median P/E, so the peer median of 33.3 is kept between 8 and 30, which is 30.00.

Fair value is the average of the two, $553.54. The price is $273.85, which is 50.5% below fair value.

DAVE Fair Value & DCF

DAVE price $273.85 -8.80 -3.11%

Ticker
DAVE
Price
$273.85
Change
-8.80 -3.11%
Market cap
$3.13B
Forward P/E
18.44
Dividend yield
0.00%
Beta
4.08
Sector
Technology
Industry
Software - Application
Stocklytics score
68
Value
55
Quality
91
Growth
57

Stocklytics score rationale: value 55, quality 91, growth 57.

Fair value

DAVE fair value $553.54. Price $273.85. Price is 51% below fair value.

Below fair value, and cheaper than usual. A larger discount than on 97% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price.

Fair value blends a 10-year DCF and an earnings multiple: the average of the DCF value and an earnings value from next-twelve-months EPS times 30.0, a blend of the industry median and the stock's own 10-year median. How we calculate it →

Compare DAVE

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-03-01—4.81—212.79M
2026-11-044.394.09197.70M191.89M
2026-08-054.123.69170.79M171.11M
2026-05-053.642.86158.41M170.94M
2026-03-024.573.31163.70M160.56M
2025-11-046.341.82150.80M133.06M
2025-08-060.681.43131.70M113.16M
2025-05-082.190.82108.00M92.80M
2025-03-031.340.50100.90M95.89M
2024-11-120.030.4992.50M82.67M
2024-08-061.010.1280.10M75.64M
2024-05-070.62-0.2873.60M70.75M
2024-03-050.03-2.0574.80M63.75M
2023-11-07-1.01-1.8867.30M62.25M
2023-08-08-1.90-1.9762.40M61.55M
2023-05-09-1.19-1.7260.60M58.69M
2023-03-06-1.82-0.0659.67M59.97M
2022-11-14-2.56-1.9256.81M53.55M
2022-08-22-2.88-2.2447.00M49.42M
2022-05-13-3.20-1.6042.55M43.83M
2022-03-25-1.31—41.16M—
2022-03-21-4.79—40.20M—
2021-08-13-0.07—37.23M—
2021-05-240.34—34.43M—
2020-12-31-4.90—35.45M—
2020-09-301.80—32.05M—
2020-06-300.23—27.15M—
2020-03-310.23—27.15M—

Dividends

Yield 0.00%. Payout ratio 0.00%. Frequency —.

Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.

Ex-dateDividendRecordPaymentFrequency
No data yet.

Insider trades

DateInsiderActionSharesPriceValue
2026-09-14Carroll BrendanSell33.45K$368.0012.31M
2026-09-11Wilk JasonBuy37.09K——
2026-09-11Beilman KyleBuy40.00K——
2026-09-11Carroll BrendanSell16.18K$368.005.95M
2026-09-10Carroll BrendanSell15.36K$368.005.65M
2026-09-04Carroll BrendanSell300.00K$368.00110.40M
2026-09-02Beilman KyleSell3.75K$372.851.40M
2026-09-02Wilk JasonSell7.81K$372.852.91M
2026-06-05Rozov YadinSell2.20K——
2026-06-05Preston DanSell275$259.8371.45K
2026-06-04Preston DanSell275$247.6568.10K
2026-06-02Beilman KyleSell49$277.2313.58K
2026-06-02Beilman KyleSell4.07K$275.001.12M
2026-06-02Wilk JasonSell80$277.4922.20K
2026-06-02Wilk JasonSell104$276.5528.76K
2026-06-02Wilk JasonSell8.29K$275.012.28M
2026-06-02POPE MICHAEL WBuy637——
2026-06-02Khajehnouri NimaBuy637——
2026-06-02Rozov YadinBuy637——
2026-06-02Preston DanBuy637——
2026-06-02Carroll BrendanBuy637——
2026-05-29Beilman KyleBuy25.65K——
2026-03-18Beilman KyleSell3.26K$206.09672.06K
2026-03-09Beilman KyleBuy9.50K——
2026-03-09Beilman KyleBuy30.22K——
2026-03-09Beilman KyleBuy8.26K——
2026-03-09Wilk JasonBuy18.34K——
2026-03-09Wilk JasonBuy72.54K——
2026-03-09Wilk JasonBuy13.77K——
2026-03-06Mitchell AndreaSell200$204.8640.97K
2026-03-06Mitchell AndreaSell803$206.26165.63K
2026-03-06Mitchell AndreaSell1.41K$207.51293.00K
2026-03-06Mitchell AndreaSell1.78K$208.28371.15K
2026-03-06Mitchell AndreaSell2.16K$209.34451.76K
2026-03-06Mitchell AndreaSell1.65K$210.32345.98K
2026-03-06Mitchell AndreaSell1.87K$211.38395.49K
2026-03-06Mitchell AndreaSell496$212.65105.47K
2026-03-06Mitchell AndreaSell2.00K$213.58428.01K
2026-03-06Mitchell AndreaSell1.01K$214.60216.10K
2026-03-06Mitchell AndreaSell900$215.58194.02K
2026-03-06Mitchell AndreaSell722$216.74156.49K
2026-03-05Mitchell AndreaSell350$209.2073.22K
2026-03-05Mitchell AndreaSell1.85K$210.41388.84K
2026-03-05Mitchell AndreaSell1.69K$211.48356.34K
2026-03-05Mitchell AndreaSell300$212.5363.76K
2026-03-05Mitchell AndreaSell1.24K$213.81264.06K
2026-03-05Mitchell AndreaSell4.03K$214.88865.75K
2026-03-05Mitchell AndreaSell700$215.62150.93K
2026-03-05Mitchell AndreaSell600$217.16130.30K
2026-03-05Mitchell AndreaSell1.88K$218.08410.64K
2026-03-05Mitchell AndreaSell800$219.28175.42K
2026-03-05Mitchell AndreaSell500$220.08110.04K
2026-03-05Mitchell AndreaSell570$221.42126.21K
2026-03-05Mitchell AndreaSell300$222.2066.66K
2026-03-05Mitchell AndreaSell200$223.2244.64K
2026-03-04Wilk JasonSell6.68K$210.671.41M
2026-02-02POPE MICHAEL WSell544$162.0088.13K
2026-01-27Beilman KyleBuy5.00K$1.427.10K
2026-01-27Beilman KyleSell5.00K$1.427.10K
2026-01-20Khajehnouri NimaOther0——
2025-12-18Khan ImranSell246$202.2949.76K
2025-12-18Khan ImranSell500$203.90101.95K
2025-12-18Khan ImranSell298$204.9061.06K
2025-12-18Khan ImranSell102$205.9321.00K
2025-12-18Khan ImranSell268$197.5352.94K
2025-12-18Khan ImranSell407$197.9280.55K
2025-12-18Khan ImranSell396$198.5478.62K
2025-12-18Khan ImranSell309$198.5961.36K
2025-12-18Khan ImranSell164$199.6832.75K
2025-12-18Khan ImranSell166$199.8133.17K
2025-12-18Khan ImranSell136$200.7827.31K
2025-12-18Khan ImranSell183$200.9236.77K
2025-12-18Khan ImranSell278$202.5956.32K
2025-12-18Khan ImranSell591$204.59120.91K
2025-12-18Khan ImranSell110$205.1422.57K
2025-12-18Khan ImranSell100$206.7120.67K
2025-12-17Khan ImranSell200$195.4239.08K
2025-12-17Khan ImranSell299$195.5758.48K
2025-12-17Khan ImranSell3.60K$196.70708.12K
2025-12-17Khan ImranSell3.51K$196.68690.15K
2025-12-17Khan ImranSell714$197.65141.12K
2025-12-17Khan ImranSell1.51K$198.03299.22K
2025-12-17Khan ImranSell3.90K$198.69774.89K
2025-12-17Khan ImranSell3.78K$198.85751.45K
2025-12-17Khan ImranSell2.45K$199.72490.11K
2025-12-17Khan ImranSell2.32K$199.89464.54K
2025-12-17Khan ImranSell2.46K$200.73494.60K
2025-12-17Khan ImranSell2.22K$200.98446.18K
2025-12-17Khan ImranSell1.85K$201.74374.03K
2025-12-17Khan ImranSell2.07K$202.02417.78K
2025-12-17Khan ImranSell683$202.99138.64K
2025-12-17Khan ImranSell1.14K$202.76231.35K
2025-12-17Khan ImranSell260$204.0153.04K
2025-12-17Khan ImranSell290$203.9159.13K
2025-12-16Khan ImranSell211$189.5439.99K
2025-12-16Khan ImranSell52$190.949.93K
2025-12-16Khan ImranSell500$192.2096.10K
2025-12-16Khan ImranSell900$193.33174.00K
2025-12-16Khan ImranSell1.07K$194.62207.85K
2025-12-16Khan ImranSell1.92K$195.52375.98K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 374, holders +83 vs prior quarter. Ownership 92.21%.

HolderSharesChangeChange %Value
BLACKROCK, INC.1.67M839.35K+101.30%621.46M
HOOD RIVER CAPITAL MANAGEMENT LLC1.10M-41.62K-3.63%411.44M
DIVISADERO STREET CAPITAL MANAGEMENT, LP699.37K58.53K+9.13%260.58M
FMR LLC479.75K248.71K+107.65%178.75M
VANGUARD CAPITAL MANAGEMENT LLC474.14K-29.39K-5.84%176.66M
STATE STREET CORP406.75K172.96K+73.98%151.55M
RENAISSANCE TECHNOLOGIES LLC367.38K-64.42K-14.92%136.88M
GEODE CAPITAL MANAGEMENT, LLC341.84K15.50K+4.75%127.38M
DRIEHAUS CAPITAL MANAGEMENT LLC331.54K269.20K+431.87%123.53M
JANE STREET GROUP, LLC325.80K184.80K+131.06%121.39M
JANE STREET GROUP, LLC312.20K171.20K+121.42%116.32M
INVESCO LTD.296.16K182.28K+160.07%110.34M
SUSQUEHANNA INTERNATIONAL GROUP, LLP289.50K156.20K+117.18%107.86M
DIMENSIONAL FUND ADVISORS LP255.68K2.51K+0.99%95.26M
CITADEL ADVISORS LLC241.10K46.40K+23.83%89.83M
GOLDMAN SACHS GROUP INC239.47K90.98K+61.28%89.22M
VANGUARD PORTFOLIO MANAGEMENT LLC234.65K100.16K+74.47%87.43M
AMERICAN CENTURY COMPANIES INC227.83K29.20K+14.70%84.89M
WHETSTONE CAPITAL ADVISORS, LLC223.08K-1.08K-0.48%83.12M
WELLINGTON MANAGEMENT GROUP LLP212.18K-13.87K-6.13%79.05M
FULLER & THALER ASSET MANAGEMENT, INC.205.55K3.54K+1.75%76.59M
UBS GROUP AG188.22K9.10K+5.08%70.13M
JANE STREET GROUP, LLC167.60K26.60K+18.87%62.45M
SUSQUEHANNA INTERNATIONAL GROUP, LLP166.50K33.20K+24.91%62.04M
FINDELL CAPITAL MANAGEMENT LLC145.00K-25.00K-14.71%54.03M

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