DAVE Stock Insights
DAVE$324.42-4.05 -1.23%
$4.14B
Market Cap
21.41
P/E
24.04
Forward P/E
68
Score
DAVE Stock Insights
DAVE price $324.42 -4.05 -1.23%
- Ticker
- DAVE
- Price
- $324.42
- Change
- -4.05 -1.23%
- Market cap ?
- $4.14B
- P/E ?
- 21.41
- Forward P/E ?
- 24.04
- Dividend yield ?
- 0.00%
- Beta ?
- 3.93
- Sector
- Technology
- Industry
- Software - Application
- Stocklytics score
- 68
- Value
- 55
- Quality
- 91
- Growth
- 57
Stocklytics score rationale: value 55, quality 91, growth 57.
Financials
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 76227000 | 121796000 | 153013000 | 204838000 | 259093000 | 347076000 | 554182000 |
Dave Inc. manages a digital platform that delivers a comprehensive array of financial products and services. Among its key offerings is "Insights," a personal finance management solution designed to help members monitor their earnings and expenditures between salary payments. The company also provides "ExtraCash," a no-cost alternative to traditional overdrafts or short-term credit, which allows users to advance…
Fair value
DAVE fair value $556.08. Price $324.42. Price is 42% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 76% 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. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 146.58M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 12.00% (beta 2.0). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 12.76M. Net debt -5.32M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-04 | — | 4.09 | — | 191.91M |
| 2026-08-05 | 4.12 | 3.69 | 170.79M | 171.11M |
| 2026-05-05 | 3.64 | 2.86 | 158.41M | 170.94M |
| 2026-03-02 | 4.57 | 3.31 | 163.70M | 160.56M |
| 2025-11-04 | 6.34 | 1.82 | 150.80M | 133.06M |
| 2025-08-06 | 0.68 | 1.43 | 131.70M | 113.16M |
| 2025-05-08 | 2.19 | 0.82 | 108.00M | 92.80M |
| 2025-03-03 | 1.34 | 0.50 | 100.90M | 95.89M |
| 2024-11-12 | 0.03 | 0.49 | 92.50M | 82.67M |
| 2024-08-06 | 1.01 | 0.12 | 80.10M | 75.64M |
| 2024-05-07 | 0.62 | -0.28 | 73.60M | 70.75M |
| 2024-03-05 | 0.03 | -2.05 | 74.80M | 63.75M |
| 2023-11-07 | -1.01 | -1.88 | 67.30M | 62.25M |
| 2023-08-08 | -1.90 | -1.97 | 62.40M | 61.55M |
| 2023-05-09 | -1.19 | -1.72 | 60.60M | 58.69M |
| 2023-03-06 | -1.82 | -0.06 | 59.67M | 59.97M |
| 2022-11-14 | -2.56 | -1.92 | 56.81M | 53.55M |
| 2022-08-22 | -2.88 | -2.24 | 47.00M | 49.42M |
| 2022-05-13 | -3.20 | -1.60 | 42.55M | 43.83M |
| 2022-03-25 | -1.31 | — | 41.16M | — |
| 2022-03-21 | -4.79 | — | 40.20M | — |
| 2021-08-13 | -0.07 | — | 37.23M | — |
| 2021-05-24 | 0.34 | — | 34.43M | — |
| 2020-12-31 | -4.90 | — | 35.45M | — |
| 2020-09-30 | 1.80 | — | 32.05M | — |
| 2020-06-30 | 0.23 | — | 27.15M | — |
| 2020-03-31 | 0.23 | — | 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-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-14 | Carroll Brendan | Sell | 33.45K | $368.00 | 12.31M |
| 2026-09-11 | Wilk Jason | Buy | 37.09K | — | — |
| 2026-09-11 | Beilman Kyle | Buy | 40.00K | — | — |
| 2026-09-11 | Carroll Brendan | Sell | 16.18K | $368.00 | 5.95M |
| 2026-09-10 | Carroll Brendan | Sell | 15.36K | $368.00 | 5.65M |
| 2026-09-04 | Carroll Brendan | Sell | 300.00K | $368.00 | 110.40M |
| 2026-09-02 | Beilman Kyle | Sell | 3.75K | $372.85 | 1.40M |
| 2026-09-02 | Wilk Jason | Sell | 7.81K | $372.85 | 2.91M |
| 2026-06-05 | Rozov Yadin | Sell | 2.20K | — | — |
| 2026-06-05 | Preston Dan | Sell | 275 | $259.83 | 71.45K |
| 2026-06-04 | Preston Dan | Sell | 275 | $247.65 | 68.10K |
| 2026-06-02 | Beilman Kyle | Sell | 49 | $277.23 | 13.58K |
| 2026-06-02 | Beilman Kyle | Sell | 4.07K | $275.00 | 1.12M |
| 2026-06-02 | Wilk Jason | Sell | 80 | $277.49 | 22.20K |
| 2026-06-02 | Wilk Jason | Sell | 104 | $276.55 | 28.76K |
| 2026-06-02 | Wilk Jason | Sell | 8.29K | $275.01 | 2.28M |
| 2026-06-02 | POPE MICHAEL W | Buy | 637 | — | — |
| 2026-06-02 | Khajehnouri Nima | Buy | 637 | — | — |
| 2026-06-02 | Rozov Yadin | Buy | 637 | — | — |
| 2026-06-02 | Preston Dan | Buy | 637 | — | — |
| 2026-06-02 | Carroll Brendan | Buy | 637 | — | — |
| 2026-05-29 | Beilman Kyle | Buy | 25.65K | — | — |
| 2026-03-18 | Beilman Kyle | Sell | 3.26K | $206.09 | 672.06K |
| 2026-03-09 | Beilman Kyle | Buy | 9.50K | — | — |
| 2026-03-09 | Beilman Kyle | Buy | 30.22K | — | — |
| 2026-03-09 | Beilman Kyle | Buy | 8.26K | — | — |
| 2026-03-09 | Wilk Jason | Buy | 18.34K | — | — |
| 2026-03-09 | Wilk Jason | Buy | 72.54K | — | — |
| 2026-03-09 | Wilk Jason | Buy | 13.77K | — | — |
| 2026-03-06 | Mitchell Andrea | Sell | 200 | $204.86 | 40.97K |
| 2026-03-06 | Mitchell Andrea | Sell | 803 | $206.26 | 165.63K |
| 2026-03-06 | Mitchell Andrea | Sell | 1.41K | $207.51 | 293.00K |
| 2026-03-06 | Mitchell Andrea | Sell | 1.78K | $208.28 | 371.15K |
| 2026-03-06 | Mitchell Andrea | Sell | 2.16K | $209.34 | 451.76K |
| 2026-03-06 | Mitchell Andrea | Sell | 1.65K | $210.32 | 345.98K |
| 2026-03-06 | Mitchell Andrea | Sell | 1.87K | $211.38 | 395.49K |
| 2026-03-06 | Mitchell Andrea | Sell | 496 | $212.65 | 105.47K |
| 2026-03-06 | Mitchell Andrea | Sell | 2.00K | $213.58 | 428.01K |
| 2026-03-06 | Mitchell Andrea | Sell | 1.01K | $214.60 | 216.10K |
| 2026-03-06 | Mitchell Andrea | Sell | 900 | $215.58 | 194.02K |
| 2026-03-06 | Mitchell Andrea | Sell | 722 | $216.74 | 156.49K |
| 2026-03-05 | Mitchell Andrea | Sell | 350 | $209.20 | 73.22K |
| 2026-03-05 | Mitchell Andrea | Sell | 1.85K | $210.41 | 388.84K |
| 2026-03-05 | Mitchell Andrea | Sell | 1.69K | $211.48 | 356.34K |
| 2026-03-05 | Mitchell Andrea | Sell | 300 | $212.53 | 63.76K |
| 2026-03-05 | Mitchell Andrea | Sell | 1.24K | $213.81 | 264.06K |
| 2026-03-05 | Mitchell Andrea | Sell | 4.03K | $214.88 | 865.75K |
| 2026-03-05 | Mitchell Andrea | Sell | 700 | $215.62 | 150.93K |
| 2026-03-05 | Mitchell Andrea | Sell | 600 | $217.16 | 130.30K |
| 2026-03-05 | Mitchell Andrea | Sell | 1.88K | $218.08 | 410.64K |
| 2026-03-05 | Mitchell Andrea | Sell | 800 | $219.28 | 175.42K |
| 2026-03-05 | Mitchell Andrea | Sell | 500 | $220.08 | 110.04K |
| 2026-03-05 | Mitchell Andrea | Sell | 570 | $221.42 | 126.21K |
| 2026-03-05 | Mitchell Andrea | Sell | 300 | $222.20 | 66.66K |
| 2026-03-05 | Mitchell Andrea | Sell | 200 | $223.22 | 44.64K |
| 2026-03-04 | Wilk Jason | Sell | 6.68K | $210.67 | 1.41M |
| 2026-02-02 | POPE MICHAEL W | Sell | 544 | $162.00 | 88.13K |
| 2026-01-27 | Beilman Kyle | Buy | 5.00K | $1.42 | 7.10K |
| 2026-01-27 | Beilman Kyle | Sell | 5.00K | $1.42 | 7.10K |
| 2026-01-20 | Khajehnouri Nima | Other | 0 | — | — |
| 2025-12-18 | Khan Imran | Sell | 246 | $202.29 | 49.76K |
| 2025-12-18 | Khan Imran | Sell | 500 | $203.90 | 101.95K |
| 2025-12-18 | Khan Imran | Sell | 298 | $204.90 | 61.06K |
| 2025-12-18 | Khan Imran | Sell | 102 | $205.93 | 21.00K |
| 2025-12-18 | Khan Imran | Sell | 268 | $197.53 | 52.94K |
| 2025-12-18 | Khan Imran | Sell | 407 | $197.92 | 80.55K |
| 2025-12-18 | Khan Imran | Sell | 396 | $198.54 | 78.62K |
| 2025-12-18 | Khan Imran | Sell | 309 | $198.59 | 61.36K |
| 2025-12-18 | Khan Imran | Sell | 164 | $199.68 | 32.75K |
| 2025-12-18 | Khan Imran | Sell | 166 | $199.81 | 33.17K |
| 2025-12-18 | Khan Imran | Sell | 136 | $200.78 | 27.31K |
| 2025-12-18 | Khan Imran | Sell | 183 | $200.92 | 36.77K |
| 2025-12-18 | Khan Imran | Sell | 278 | $202.59 | 56.32K |
| 2025-12-18 | Khan Imran | Sell | 591 | $204.59 | 120.91K |
| 2025-12-18 | Khan Imran | Sell | 110 | $205.14 | 22.57K |
| 2025-12-18 | Khan Imran | Sell | 100 | $206.71 | 20.67K |
| 2025-12-17 | Khan Imran | Sell | 200 | $195.42 | 39.08K |
| 2025-12-17 | Khan Imran | Sell | 299 | $195.57 | 58.48K |
| 2025-12-17 | Khan Imran | Sell | 3.60K | $196.70 | 708.12K |
| 2025-12-17 | Khan Imran | Sell | 3.51K | $196.68 | 690.15K |
| 2025-12-17 | Khan Imran | Sell | 714 | $197.65 | 141.12K |
| 2025-12-17 | Khan Imran | Sell | 1.51K | $198.03 | 299.22K |
| 2025-12-17 | Khan Imran | Sell | 3.90K | $198.69 | 774.89K |
| 2025-12-17 | Khan Imran | Sell | 3.78K | $198.85 | 751.45K |
| 2025-12-17 | Khan Imran | Sell | 2.45K | $199.72 | 490.11K |
| 2025-12-17 | Khan Imran | Sell | 2.32K | $199.89 | 464.54K |
| 2025-12-17 | Khan Imran | Sell | 2.46K | $200.73 | 494.60K |
| 2025-12-17 | Khan Imran | Sell | 2.22K | $200.98 | 446.18K |
| 2025-12-17 | Khan Imran | Sell | 1.85K | $201.74 | 374.03K |
| 2025-12-17 | Khan Imran | Sell | 2.07K | $202.02 | 417.78K |
| 2025-12-17 | Khan Imran | Sell | 683 | $202.99 | 138.64K |
| 2025-12-17 | Khan Imran | Sell | 1.14K | $202.76 | 231.35K |
| 2025-12-17 | Khan Imran | Sell | 260 | $204.01 | 53.04K |
| 2025-12-17 | Khan Imran | Sell | 290 | $203.91 | 59.13K |
| 2025-12-16 | Khan Imran | Sell | 211 | $189.54 | 39.99K |
| 2025-12-16 | Khan Imran | Sell | 52 | $190.94 | 9.93K |
| 2025-12-16 | Khan Imran | Sell | 500 | $192.20 | 96.10K |
| 2025-12-16 | Khan Imran | Sell | 900 | $193.33 | 174.00K |
| 2025-12-16 | Khan Imran | Sell | 1.07K | $194.62 | 207.85K |
| 2025-12-16 | Khan Imran | Sell | 1.92K | $195.52 | 375.98K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 374, holders +83 vs prior quarter. Ownership 92.21%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACKROCK, INC. | 1.67M | 839.35K | +101.30% | 621.46M |
| HOOD RIVER CAPITAL MANAGEMENT LLC | 1.10M | -41.62K | -3.63% | 411.44M |
| DIVISADERO STREET CAPITAL MANAGEMENT, LP | 699.37K | 58.53K | +9.13% | 260.58M |
| FMR LLC | 479.75K | 248.71K | +107.65% | 178.75M |
| VANGUARD CAPITAL MANAGEMENT LLC | 474.14K | -29.39K | -5.84% | 176.66M |
| STATE STREET CORP | 406.75K | 172.96K | +73.98% | 151.55M |
| RENAISSANCE TECHNOLOGIES LLC | 367.38K | -64.42K | -14.92% | 136.88M |
| GEODE CAPITAL MANAGEMENT, LLC | 341.84K | 15.50K | +4.75% | 127.38M |
| DRIEHAUS CAPITAL MANAGEMENT LLC | 331.54K | 269.20K | +431.87% | 123.53M |
| JANE STREET GROUP, LLC | 325.80K | 303.40K | +1354.46% | 121.39M |
| JANE STREET GROUP, LLC | 312.20K | 289.80K | +1293.74% | 116.32M |
| INVESCO LTD. | 296.16K | 182.28K | +160.07% | 110.34M |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 289.50K | 156.20K | +117.18% | 107.86M |
| DIMENSIONAL FUND ADVISORS LP | 255.68K | 2.51K | +0.99% | 95.26M |
| CITADEL ADVISORS LLC | 241.10K | 198.60K | +467.29% | 89.83M |
| GOLDMAN SACHS GROUP INC | 239.47K | 90.98K | +61.28% | 89.22M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 234.65K | 100.16K | +74.47% | 87.43M |
| AMERICAN CENTURY COMPANIES INC | 227.83K | 29.20K | +14.70% | 84.89M |
| WHETSTONE CAPITAL ADVISORS, LLC | 223.08K | -1.08K | -0.48% | 83.12M |
| WELLINGTON MANAGEMENT GROUP LLP | 212.18K | -13.87K | -6.13% | 79.05M |
| FULLER & THALER ASSET MANAGEMENT, INC. | 205.55K | 3.54K | +1.75% | 76.59M |
| UBS GROUP AG | 188.22K | 141.86K | +306.03% | 70.13M |
| JANE STREET GROUP, LLC | 167.60K | 145.20K | +648.21% | 62.45M |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 166.50K | 33.20K | +24.91% | 62.04M |
| FINDELL CAPITAL MANAGEMENT LLC | 145.00K | -25.00K | -14.71% | 54.03M |
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