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Upturn AI Summary - About
Dave Inc(DAVE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for DAVE
10/14/2026: DAVE (3-star) is currently NOT-A-BUY. Pass it for now.
Dave Inc is a rapidly growing fintech company that primarily offers digital banking and cash advance services to underserved consumers. Its primary strength lies in its AI-driven platform that helps users manage cash flow, which has built a strong, loyal user base. The company's main growth opportunity involves scaling its banking accounts and diversifying into new financial services to drive higher lifetime customer value. Investors must weigh these prospects against significant risks, including regulatory scrutiny regarding its core cash advance product, intense competition from other fintechs, and the need for sustained profitability. This stock may suit growth-oriented investors who are comfortable with sector-specific volatility and regulatory uncertainties.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is in an aggressive growth phase but faces significant competitive and regulatory hurdles. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find opportunities during periods of high price volatility and strong user growth reporting. |
| Value investor | Weak fit | Dave does not currently fit a traditional value framework due to its focus on growth and lack of consistent profitability. |
| Dividend investor | Weak fit | The company does not pay dividends and reinvests all capital into expansion. |
| Low-risk investor | Weak fit | The company's stock exhibits high volatility and operates in a sector with significant regulatory risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is susceptible to large swings based on sector sentiment and earnings surprises. |
| Valuation risk | Medium / high | Valuations in the fintech space are often compressed or expanded rapidly based on interest rate environments. |
| Competition risk (neobanking and fintech) | High | Intense competition from well-capitalized fintechs and legacy banks threatens market share. |
| Business quality | Medium | The business model is reliant on specific transaction-based fees which may face regulatory pressure. |
| Dividend income | Low / none | Investors should expect zero income from dividends. |
| Execution risk | Medium / high | The company must successfully scale its platform while managing credit risk and regulatory compliance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 411.62% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/14/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.63B USD | Price to earnings Ratio 23.4 | 1Y Target Price 445.07 |
Price to earnings Ratio 23.4 | 1Y Target Price 445.07 | ||
Volume (30-day avg) 296.8K shares | Beta 3.93 | 52 Weeks Range 152.21 - 458.25 | Updated Date 10/14/2026 |
52 Weeks Range 152.21 - 458.25 | Updated Date 10/14/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 15.51 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| ExtraCash Fees | Fees associated with instant access to cash advances. | This is the primary revenue driver, representing the core value proposition for many users. |
| Subscription and Interchange | Optional memberships and fees earned from card transactions. | Provides recurring revenue and benefits from increased user activity on the platform. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 23.4 | Forward PE 16.86 | Enterprise Value 4.52B | Price to Sales(TTM) 7.19 |
Enterprise Value 4.52B | Price to Sales(TTM) 7.19 | ||
Enterprise Value to Revenue 7.03 | Enterprise Value to EBITDA 20.34 | Shares Outstanding 11.44M | Shares Floating 9.55M |
Shares Outstanding 11.44M | Shares Floating 9.55M | ||
Percent Insiders 10.42 | Percent Institutions 110.11 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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