Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
Dave Inc (DAVE)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/29/2025: DAVE (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $271.86
1 Year Target Price $271.86
| 6 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1242.57% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.88B USD | Price to earnings Ratio 56.56 | 1Y Target Price 271.86 |
Price to earnings Ratio 56.56 | 1Y Target Price 271.86 | ||
Volume (30-day avg) 8 | Beta 3.96 | 52 Weeks Range 31.75 - 286.45 | Updated Date 08/30/2025 |
52 Weeks Range 31.75 - 286.45 | Updated Date 08/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.77 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-06 | When - | Estimate 1.49 | Actual 3.14 |
Profitability
Profit Margin 12.73% | Operating Margin (TTM) 31.18% |
Management Effectiveness
Return on Assets (TTM) 20.42% | Return on Equity (TTM) 30.72% |
Valuation
Trailing PE 56.56 | Forward PE 20.58 | Enterprise Value 2850728144 | Price to Sales(TTM) 6.65 |
Enterprise Value 2850728144 | Price to Sales(TTM) 6.65 | ||
Enterprise Value to Revenue 6.58 | Enterprise Value to EBITDA 36.37 | Shares Outstanding 12084600 | Shares Floating 8997980 |
Shares Outstanding 12084600 | Shares Floating 8997980 | ||
Percent Insiders 13.39 | Percent Institutions 83.92 |
Upturn AI SWOT
Dave Inc
Company Overview
History and Background
Dave Inc. was founded in 2017 by Jason Wilk, Paras Chitrakar, and John Wolanin. It's a fintech company focused on providing banking services, financial insights, and opportunities to improve financial stability, particularly for those with limited resources.
Core Business Areas
- Banking & Spending: Dave provides checking accounts and debit cards, offering a platform for users to manage their spending and receive paychecks.
- ExtraCash: Dave's ExtraCash product provides interest-free advances to help users cover expenses between paychecks.
- Side Hustle: Dave helps connect users to part-time job opportunities to generate additional income, addressing their financial needs.
- Dave Banking: A digital banking solution that aims to simplify money management for its users
Leadership and Structure
Jason Wilk is the CEO. The company has a typical tech company structure with departments for engineering, product, marketing, finance, and customer support.
Top Products and Market Share
Key Offerings
- ExtraCash: Provides interest-free advances to help users cover expenses between paychecks. Competitors include Earnin, Brigit, and MoneyLion. Dave has around 6 million members utilizing this product.
- Dave Banking: A digital banking solution that aims to simplify money management for its users. Competitors include Chime, Varo, and Current. Number of users varies but is a key growth area for the company.
- Side Hustle: Connects users to part-time job opportunities. Competitors include Indeed, Upwork, and Fiverr.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing demand for digital financial services, especially among millennials and Gen Z. Competition is intense, with numerous startups and established financial institutions vying for market share.
Positioning
Dave Inc. positions itself as a disruptor in the banking industry, focusing on serving the needs of everyday Americans, particularly those facing financial challenges. Its competitive advantage lies in its user-friendly interface, personalized insights, and innovative products like ExtraCash.
Total Addressable Market (TAM)
The estimated TAM for digital banking and short-term lending solutions is significant, potentially reaching hundreds of billions of dollars globally. Dave is positioned to capture a portion of this market by focusing on underserved segments and offering unique value propositions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among target demographic
- Innovative product offerings (ExtraCash)
- User-friendly platform
- Focus on financial inclusion
Weaknesses
- Reliance on subscription revenue
- High customer acquisition costs
- Negative Profit Margins
- Volatile Stock
Opportunities
- Expansion into new financial services (e.g., investing)
- Partnerships with other fintech companies
- Increased adoption of digital banking
- International expansion
Threats
- Increased competition from established banks and fintech companies
- Regulatory changes impacting short-term lending
- Economic downturn affecting consumer spending
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SOFI
- LC
- UPST
- OFI
- ALLO
Competitive Landscape
Dave Inc. competes with both established banks and emerging fintech companies. Its advantages include a strong brand, innovative products, and a focus on financial inclusion. Disadvantages include limited resources compared to larger competitors and a reliance on subscription revenue.
Growth Trajectory and Initiatives
Historical Growth: Dave has experienced rapid user growth since its inception, driven by the popularity of its ExtraCash product and banking services.
Future Projections: Future growth projections are not available without up-to-date analyst estimates.
Recent Initiatives: Recent initiatives include enhancements to its banking platform, partnerships to expand its reach, and new features to improve financial literacy.
Summary
Dave Inc. is a fintech company with a strong focus on financial inclusion. Its innovative ExtraCash product has driven significant user growth. The company needs to carefully manage competition and regulatory changes. It has a small market share and a lot of room to grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Public Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Dave Inc
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2021-04-26 | Co-Founder, CEO, President & Chairman Mr. Jason Wilk | ||
Sector Technology | Industry Software - Application | Full time employees 274 | Website https://dave.com |
Full time employees 274 | Website https://dave.com | ||
Dave Inc. provides various financial products and services through its financial services platform in the United States. The company offers Budget, personal financial management tool that helps members with budgeting, and managing income and expenses; ExtraCash, a short-term liquidity alternative, which allows members to advance funds to their account through automated clearing house network and avoid a fee; Side Hustle, a job application portal to find supplemental or temporary work; and Surveys, which allows member to take paid surveys within the Dave mobile application. It also provides Dave Banking, a digital checking and demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.