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Dave Inc. Warrants (DAVEW)
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Upturn Advisory Summary
11/05/2025: DAVEW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -82.22% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 disrupt traditional banking by offering budgeting tools, overdraft protection (ExtraCash), and side hustle opportunities. The warrants are related to the company's earlier association with a SPAC.
Core Business Areas
- ExtraCash: Provides interest-free cash advances to help users avoid overdraft fees.
- Dave Banking: Offers a mobile banking account with no monthly fees and access to early paycheck deposits.
- Side Hustle: Connects users with job opportunities to earn extra income.
- Insights and Planning Tools: Tools to help users understand their spending, budget, and achieve financial goals.
Leadership and Structure
Jason Wilk is the CEO and Co-founder. The company operates with a functional organizational structure.
Top Products and Market Share
Key Offerings
- ExtraCash: Offers advances up to $500. Competitors include MoneyLion, Brigit, and Chime. Market share is difficult to precisely determine, but ExtraCash forms a major part of Dave's revenue. Revenue can be derived from the Dave subscription (optional).
- Dave Banking: Mobile banking account with debit card. Competitors include Chime, Varo, and Current. Low market share in the overall digital banking sector, but significant within its target demographic of younger users seeking overdraft alternatives. Revenue is derived from interchange fees and other banking services.
- Side Hustle: Connects users with gig economy opportunities. Competitors include Indeed, LinkedIn, and various gig economy platforms. Revenue is generated through referral fees or commissions.
Market Dynamics
Industry Overview
The fintech industry is highly competitive and rapidly evolving, with increasing adoption of mobile banking and financial wellness apps.
Positioning
Dave targets younger, tech-savvy users who are underserved by traditional banks. Its competitive advantages include its brand recognition, user-friendly app, and focus on overdraft protection.
Total Addressable Market (TAM)
The TAM for financial wellness and mobile banking apps is estimated to be in the tens of billions of dollars. Dave is positioned to capture a share of this market by focusing on its niche of younger users seeking overdraft alternatives.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among target demographic
- User-friendly mobile app
- Focus on overdraft protection
- Subscription model generates recurring revenue
Weaknesses
- Relatively small market share compared to larger fintech companies
- Reliance on cash advances, which can be risky
- Limited product offerings compared to traditional banks
- Profitability is still a challenge
Opportunities
- Expanding product offerings to include more financial services
- Increasing user acquisition through marketing and partnerships
- Improving the user experience to enhance engagement
- Leveraging data to personalize financial advice and recommendations
Threats
- Increased competition from other fintech companies and traditional banks
- Changes in regulations that could affect the cash advance industry
- Economic downturn that could reduce demand for financial services
- Data breaches or security vulnerabilities
Competitors and Market Share
Key Competitors
- CHIM
- SOFI
- MQ
Competitive Landscape
Dave faces intense competition in the fintech space. It differentiates itself with its focus on overdraft protection and its brand recognition among younger users. Competitors have broader product offerings and larger user bases.
Growth Trajectory and Initiatives
Historical Growth: Growth has been focused on expanding its user base and product offerings.
Future Projections: Future growth depends on its ability to acquire new users, expand its product offerings, and achieve profitability. Analyst estimates can be found through financial news sources.
Recent Initiatives: Partnerships to expand services, investments in technology to improve user experience, and focus on profitability.
Summary
Dave Inc. is a fintech company targeting younger users with its overdraft protection features and budgeting tools. While its brand is recognized, it has a small market share in a very competitive space. It faces challenges related to profitability and needs to continue expanding its offerings and user base. The company's future hinges on its ability to scale efficiently and effectively compete with larger, more established players in the market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Market Research Reports
- Financial News Sources
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is estimated and may vary.
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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