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Upturn AI SWOT - About
Dave Inc. Warrants (DAVEW)
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Upturn Advisory Summary
09/16/2025: DAVEW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -80.44% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 3.95 | 52 Weeks Range 0.02 - 1.67 | Updated Date 06/28/2025 |
52 Weeks Range 0.02 - 1.67 | Updated Date 06/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.21 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.75% | Operating Margin (TTM) 32.55% |
Management Effectiveness
Return on Assets (TTM) 14.59% | Return on Equity (TTM) 32.1% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 8453264 |
Shares Outstanding - | Shares Floating 8453264 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Dave Inc. Warrants
Company Overview
History and Background
Dave Inc. was founded in 2017 aiming to provide banking services and financial tools to help individuals avoid overdraft fees. The warrants represent the right to purchase shares of Dave Inc. stock at a specified price and date. They arose in conjunction with Dave's merger with a special purpose acquisition company (SPAC).
Core Business Areas
- Banking and Financial Services: Offers checking accounts, debit cards, and credit building services. Its core function is offering short term cash advances to it's users who are having trouble meeting their financial obligations.
Leadership and Structure
Jason Wilk is the CEO of Dave Inc. The organizational structure consists of various departments including engineering, product, marketing, and finance. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- ExtraCash: A service that provides interest-free cash advances. Competitors include Earnin, Brigit, and MoneyLion. Dave claims to have several million members using ExtraCash.
Market Dynamics
Industry Overview
The fintech industry is highly competitive, driven by innovation and consumer demand for convenient financial solutions. The industry is subject to regulatory scrutiny and macroeconomic factors.
Positioning
Dave aims to position itself as a user-friendly alternative to traditional banking, focusing on millennials and Gen Z customers. Its competitive advantage lies in its innovative products and mobile-first approach.
Total Addressable Market (TAM)
The TAM for fintech and digital banking services is estimated to be in the trillions of dollars. Dave is positioned to capture a portion of this market through its targeted services.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among target demographic
- Innovative product offerings
- Mobile-first platform
- Large user base
Weaknesses
- Reliance on short-term cash advances
- High customer acquisition costs
- Competition from established players
- Dependence on economic conditions affecting users' financial stability
Opportunities
- Expansion into new financial products and services
- Partnerships with other fintech companies
- International expansion
- Increase in the digital banking user base
Threats
- Increased regulatory scrutiny
- Economic downturn affecting users' ability to repay advances
- Cybersecurity risks
- Competition from larger financial institutions
Competitors and Market Share
Key Competitors
- SOFI
- PYPL
- SQ
Competitive Landscape
Dave faces competition from established financial institutions and other fintech companies. It seeks to differentiate itself through user-friendly products and a strong brand identity.
Growth Trajectory and Initiatives
Historical Growth: Dave's historical growth has been marked by user acquisition and product innovation.
Future Projections: Analyst projections vary, but generally forecast continued revenue growth and eventual profitability.
Recent Initiatives: Recent initiatives include expanding product offerings, improving customer acquisition efficiency, and focusing on profitability.
Summary
Dave Inc. is a fintech company focused on providing financial tools to its users, especially to help with overdrafts. While it has a strong brand and innovative products, it is also highly dependent on volatile economic conditions and is burning cash. The company needs to maintain cashflow so they can continue their operations in this highly competitive landscape. Management needs to focus on profitability by either increasing revenue or cutting cost.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings of Dave Inc.
- Market research reports on the fintech industry
- Analyst reports on Dave Inc.
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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. Warrants
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2021-04-28 | 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.
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