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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
11/06/2026: DAVE (2-star) is currently NOT-A-BUY. Pass it for now.
Dave Inc is a US-listed fintech company that provides a mobile banking app focused on cash advances and financial management for underbanked consumers. Its primary strength lies in using AI-driven insights to manage risk and provide affordable alternatives to traditional banking overdrafts. The core investment opportunity is the potential for Dave to cross-sell additional financial products to its growing user base as it scales. However, the company faces material risks, including heavy regulatory scrutiny over its cash advance business and intense competition from well-capitalized digital banks. Dave may best suit growth-oriented investors with a high risk tolerance who are willing to monitor regulatory and profitability milestones.
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 | Strong fit | Dave appeals to growth investors interested in the digital transformation of consumer banking and underbanked credit. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive trend in user growth and profitability milestones. |
| Value investor | Weak fit | The company is in a growth-oriented, pre-consistent-profitability stage that typically does not meet value criteria. |
| Dividend investor | Weak fit | Dave does not pay dividends and prioritizes capital reinvestment. |
| Low-risk investor | Weak fit | The volatility associated with emerging fintech and regulatory risks makes this an unsuitable choice for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant fluctuations due to its growth-stage nature and sector sensitivity. |
| Valuation risk | Medium / high | Valuation is often tied to high-growth expectations that must be consistently validated by earnings. |
| Competition risk (fintech incumbents) | High | Dave faces intense pressure from well-funded rivals and legacy banks adding digital features. |
| Business quality | Medium | The business model relies heavily on a specific segment of credit-sensitive consumers. |
| Dividend income | Low / none | Investors should not expect income from this equity. |
| Execution risk | Medium | Successful scaling requires precise management of credit losses and regulatory compliance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
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 11/06/2026 |
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 3.56B USD | Price to earnings Ratio 20.34 | 1Y Target Price 436.5 |
Price to earnings Ratio 20.34 | 1Y Target Price 436.5 | ||
Volume (30-day avg) 338.5K shares | Beta 4.08 | 52 Weeks Range 152.21 - 458.25 | Updated Date 11/08/2026 |
52 Weeks Range 152.21 - 458.25 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 13.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| ExtraCash Fees | Optional tips and subscription-like revenue from cash advance services. | The primary revenue driver is the fee-based model of short-term cash advances. |
| Banking Services | Interchange fees from debit card usage and subscription fees. | Revenue is earned as users spend money using the Dave debit card. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 3.91 | Actual 2.64 |
Profitability
Profit Margin 28.14% | Operating Margin (TTM) 27.41% |
Management Effectiveness
Return on Assets (TTM) 27.84% | Return on Equity (TTM) 68.79% |
Valuation
Trailing PE 20.34 | Forward PE 13.28 | Enterprise Value 3.52B | Price to Sales(TTM) 5.16 |
Enterprise Value 3.52B | Price to Sales(TTM) 5.16 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA 18.23 | Shares Outstanding 11.48M | Shares Floating 9.58M |
Shares Outstanding 11.48M | Shares Floating 9.58M | ||
Percent Insiders 10.38 | Percent Institutions 110.19 |
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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