Dave Inc. (DAVE) — Stock Score Summary

Dave Inc. (DAVE) has a MoatMap StockRank of 97/100 based on Quality (82/100), Value (43/100), and Momentum (66/100) factor scores. The current signal is STRONG BUY. Dave Inc. is a consumer fintech neobank. While growing, it operates in a highly competitive space with low customer switching costs and lacks a durable economic moat or alignment with our core macro themes.

Dave Inc. is a financial technology company offering a mobile banking application designed to help consumers avoid overdraft fees and manage their finances. Its primary services include small cash advances and budgeting tools, targeting users seeking alternatives to traditional banking. The company differentiates itself by providing accessible financial solutions with a focus on fee avoidance and transparent pricing, serving a growing segment of underbanked and financially stressed consumers.

Key Financial Metrics

Price$274.48
Market Cap$3.4B
P/E (TTM)16.81
P/E (Forward)12.67
Price/Book16.33
Return on Equity111.6%
Return on Invested Capital46.9%
Debt/Equity131.62
Gross Margin72.1%
Operating Margin38.3%
Revenue Growth46.7%
Free Cash Flow$86M

Dave Inc. operates in the Software - Application industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Dave Inc.’s (DAVE) StockRank?
MoatMap’s StockRank for Dave Inc. (DAVE) is 97/100, with a Strong Buy signal. It is a composite of Quality (82), Value (43), and Momentum (66) factor ranks across MoatMap’s 19,000+ stock universe.
Does Dave Inc. have an economic moat?
Dave Inc. (DAVE) has a Quality factor score of 82/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Dave Inc. a buy, hold, or sell?
MoatMap’s current signal for Dave Inc. (DAVE) is Strong Buy, based on a StockRank of 97/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Dave Inc. in?
Dave Inc. (DAVE) operates in the Technology sector, specifically the Software - Application industry (United States).
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