Stock AnalizDave Inc. DAVE
Finance: Consumer Services · data as of November 13, 2026
Dave Inc. (DAVE) is a financial company listed in the US with a market value of about $3.5B. In the twelve months to September 30, 2026 it had revenue of $691M and net income of $194M, a net margin of 28.1%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is future growth (4/5); the weakest is track record (1/5).
Key numbers: a P/E of 19.8, a price to free cash flow of 10.9, a 5-year average ROIC of -6%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 79% above the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- ROE above 15%
Checks not passed
- P/E below the industry median
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 5 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | $691M | $554M | $347M | $259M | $205M | $153M |
| Net income | $194M | $196M | $58M | -$49M | -$129M | -$20M |
| Free cash flow | $325M | $290M | $125M | $33M | -$46M | -$912000 |
| EPS (diluted) | $13.96 | $13.53 | $4.19 | $-4.07 | $-11.12 | $-4.69 |
| Net margin | 28.1% | 35.3% | 16.7% | -18.7% | -62.9% | -13.1% |
| ROIC | — | — | — | — | — | -5.5% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 14 analysts is $431.86, 56% above the current price; targets range from $350.00 to $480.00; the consensus rating is “Buy”; expected EPS is $17.59 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Dave’s P/E ratio?
About 19.8, based on the last twelve months of diluted earnings per share (forward P/E about 12.7).
Is Dave stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 79% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Dave pay a dividend?
Not currently.
Is Dave a good stock to buy?
We do not give buy or sell advice. Dave scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.