Dave Inc. (DAVE) Stock Price & Analysis

Dave Inc. (DAVE) closed at USD 322.69 on Wednesday, October 28, 2026, down 1.76% on the day. The US market is currently closed; this is not a live price.

The prior close was USD 328.47; the Oct 28, 2026 session ranged USD 320.29–336.47 on volume of 198,984 shares. Market capitalization is $4.12B, with a 52-week range of USD 152.21–458.25 (NGM). Source: Nexqual, retrieved October 29, 2026 at 07:38 UTC.

Also available as compact Markdown for AI agents: nexqual.com/DAVE.md

Key facts (DAVE)

• Last four reported quarters (through Jun 30, 2026): revenue $644M, net income $223M (34.6% margin) (SEC filings).
• Valuation: P/E 18.5x (avg 18.6x at the last 2 fiscal year-ends).
• Insider open-market sales, last ~7 months: 3 Form 4 filings, $3.6M; 2 not under a Rule 10b5-1 plan ($3.5M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 1 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 1.88 on a 1–5 scale) (16 analysts), mean target USD 445.07 (range 350–500).
• Total return with dividends: 1Y +32.3% vs S&P 500 +13.6%; 5Y +1.4% vs S&P 500 +79.8%.
• Next earnings: 2026-11-04, EPS estimate USD 4.46, revenue estimate $192M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (DAVE)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (DAVE)

P/E 18.5x · P/S 6.4x · P/FCF 12.6x · P/B 19.8x · FCF yield 7.93% · Earnings yield 5.41% · Buyback yield (TTM) 5.90%

P/E at fiscal year-ends: Dec 2025 16.4x, Dec 2024 20.8x.

Insider sales (SEC Form 4, open-market, last ~7 months) (DAVE)

1 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (DAVE)

Consensus Buy (mean 1.88 on a 1–5 scale), 16 analysts; mean target USD 445.07 (low 350, high 500).

Rating changes, last 120 days:

Total return (dividends reinvested) (DAVE)

DAVE earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

DAVE recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

DAVE revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

DAVE suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Mar 2, 2026.

DAVE analyst estimates and revisions

Key Statistics (as of October 29, 2026 at 07:38 UTC)

Technical Analysis (DAVE)

Nexqual's technical model rates DAVE "SELL" based on 1 bullish and 5 bearish signals across 127 daily candles, as of October 29, 2026 at 07:38 UTC.

Analyst Ratings (DAVE)

Wall Street analysts rate DAVE "Buy" based on 16 analysts, with a mean price target of USD 445.07 (range USD 350–500), per Nexqual as of October 29, 2026 at 07:38 UTC.

Earnings (DAVE)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 07:38 UTC.

Financials & Fundamentals (DAVE)

Source: Nexqual, October 29, 2026 at 07:38 UTC.

Financial Health Score (DAVE)

Nexqual rates Dave Inc.'s overall financial health "Strong" across five dimensions, as of October 29, 2026 at 07:38 UTC.

Ownership (DAVE)

Source: Nexqual, October 29, 2026 at 07:38 UTC.

Leadership (DAVE)

Dave Inc. is led by Jason Wilk, Co-Founder, CEO, President & Chairman, per Nexqual as of October 29, 2026 at 07:38 UTC.

Major Backers & Investors (DAVE)

Notable institutional backers of Dave Inc. include Hood River Capital Management LLC, Divisadero Street Capital Management, LP, Manager Directed Portfolios-Hood River Small-Cap Growth Fund, according to Nexqual as of October 29, 2026 at 07:38 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 07:38 UTC.

From Dave Inc.'s Latest SEC 10-K Filing (filed 2026-03-02)

Key Strengths & Strategy (as disclosed to the SEC)

• Rapid innovation: Our proprietary Machine Learning Platform enables our team to develop, train, and deploy new AI models with minimal engineering support, accelerating product iteration in response to market dynamics.
• According to the Financial Health Network ("FHN") in 2025, approximately 185 million Americans are classified as financially "coping" or "vulnerable" representing 69% of the U.S. population, up from 66% in 2021.
• Since inception, CashAI has leveraged insights from over 180 million ExtraCash originations and billions of bank transactions, a proprietary cash flow dataset that we believe provides a structural advantage in real-time credit decisioning.
• We rely on a combination of copyright, trademark and trade secret laws in the United States and other jurisdictions, as well as license agreements, confidentiality procedures, non-disclosure agreements, and other contractual protections, to establish and protect our intellectual property and proprietary rights, including our proprietary technology, software, know-how, and brand.

Partnerships

• If our present or any future key banking relationships are terminated and we are not able to secure or successfully migrate client portfolios to a new bank partner or partners, or a bank partner becomes subject to regulatory restrictions or other operational disruptions, our business would be adversely affected." We have a multi-year service agreement with Galileo Financial Technologies, LLC ("Galileo"), a payment processing platform.
• In January 2023, we executed an amended agreement with Galileo that significantly reduced processing fees.

Legal & Regulatory Risks (Item 1A, quoted)

• The Company records an accrual for a loss contingency when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated.
• We have been and may in the future also be subject to investigations and potential enforcement actions that may be brought by state regulatory authorities, state attorneys general or other state or local enforcement authorities and other governmental agencies.
• We face the risk that one or more of the variables included in our proprietary machine learning engine or other models may be deemed a proxy for a protected characteristic such as race, ethnicity, or sex in violation of the ECOA.
• The financial services industry continues to be highly regulated and subject to new laws or regulations in many jurisdictions, including the U.S. states and localities in which we operate, which could restrict the products and services we offer, impose additional compliance costs on us, render our current operations unprofitable or even prohibit our current or future operations.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 07:38 UTC. This page is informational and not investment advice.

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