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Upturn AI SWOT - About
Dave Inc. Warrants (DAVEW)
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Upturn Advisory Summary
08/12/2025: DAVEW (1-star) is a SELL. SELL since 3 days. Profits (-29.35%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -80.44% | Avg. Invested days 21 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/12/2025 |
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 with the mission to improve the financial health of its members. It went public via a SPAC merger in January 2022. The warrants were issued as part of that merger.
Core Business Areas
- Banking Services: Dave provides banking services including checking accounts, debit cards, and early access to paychecks.
- ExtraCash: ExtraCash is a short-term, interest-free advance service to help members avoid overdraft fees.
- Dave Goals: Helps users budget and reach savings goals.
Leadership and Structure
Jason Wilk is the CEO. The company has a board of directors and operates with a typical corporate structure.
Top Products and Market Share
Key Offerings
- ExtraCash: ExtraCash is a core product. Dave reports number of advances but not specific market share. Competitors include Earnin, MoneyLion, and Brigit. Revenue contribution is significant.
- Dave Banking: Dave Banking accounts offer early access to paychecks. No specific market share data is available. Competitors include Chime, Varo, and Current. Account growth impacts subscription revenue.
Market Dynamics
Industry Overview
The fintech industry is competitive, with many players offering similar financial services. The market is driven by demand for convenient and accessible financial tools.
Positioning
Dave positions itself as a financial friend that helps its members avoid overdraft fees and improve their financial health. Its competitive advantage lies in its user-friendly app and focus on low-income earners.
Total Addressable Market (TAM)
The TAM for financial services is vast, encompassing a significant portion of the population. Dave is focusing on the segment of consumers seeking accessible and affordable banking solutions, estimating the TAM to be several hundred billion dollars. It's attempting to gain market share by targeting users who are underserved by traditional banks.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among target demographic
- User-friendly mobile app
- Focus on underserved markets
- Data-driven approach to product development
- Subscription-based revenue model
Weaknesses
- Reliance on short-term advances
- Competition from larger fintech companies
- Limited product offerings compared to traditional banks
- Profitability concerns
- High customer acquisition costs
Opportunities
- Expansion of product offerings (e.g., lending, investments)
- Partnerships with other fintech companies
- International expansion
- Increased adoption of mobile banking
- Growing demand for financial wellness solutions
Threats
- Increased regulation of fintech industry
- Economic downturn
- Competition from traditional banks
- Data security breaches
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- CHIM
- SOFI
- MQ
Competitive Landscape
Dave competes with both traditional banks and other fintech companies. It must differentiate itself by providing unique features and superior customer service. Daveu2019s marketshare is impacted by larger competitors with more resources.
Growth Trajectory and Initiatives
Historical Growth: Dave's historical growth has been driven by the adoption of its ExtraCash and banking products.
Future Projections: Analyst estimates vary, but projections generally anticipate continued growth in user base and revenue, with a focus on achieving profitability.
Recent Initiatives: Recent initiatives include expanding banking features and focusing on user acquisition.
Summary
Dave Inc. is a fintech company focusing on providing banking services to low-income earners. It is working to control costs and grow revenue to attain profitability. It faces competition from many other companies. Execution of their business plan is critical.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry news
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Consult with a qualified financial advisor before making any investment decisions.
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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