Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
DAVE
Strong BuyPremium GrowerFLAGDave Inc. · Technology · United States · $4.8B · Avg Vol: $151M/d
Dave Inc. provides small cash-advance and banking services to US consumers, and while it has reached profitability with strong momentum, its model depends on tip and express-fee revenue that has drawn regulatory action, and its credit exposure to subprime consumers is untested through a downturn. The value score is the most expensive in this batch (V36). Nothing is finally determined, so this is a flag.
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 204.8M | 259.1M | 347.1M | 554.2M | 39.3% | 643.7M | 729.9M | 889.9M | 26.7% |
| EPS | -10.92 | -4.07 | 4.62 | 14.65 | 217.1% | 15.52 | 19.26 | 24.43 | 29.1% |
| Shares | 11.8M | 12.1M | 13.0M | 13.6M | +14.8% | 11.4M | — | — | — |
| Debt | 178.1M | 181.3M | 75.6M | 75.2M | -25.0% | 268.5M | — | — | — |
| Equity | 106.6M | 87.1M | 183.1M | 352.7M | 49.0% | — | — | — | — |
| Op CF | -44.9M | 33.8M | 125.1M | 290.0M | 193.1% | 326.9M | — | — | — |
| Inv CF | -285.6M | -14.4M | -45.8M | -202.7M | — | — | — | — | — |
| Fin CF | 321.8M | 22.0K | -71.0M | -56.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of DAVE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| DAVE | Dave Inc.(you) | $4.8B | 86 | Strong Buy |
| FRSH | Freshworks Inc. | $3.6B | 88 | Strong Buy |
| QTWO | Q2 Holdings, Inc. | $4.1B | 79 | Buy |
| ALRM | Alarm.com Holdings, Inc. | $2.8B | 87 | Strong Buy |
| YOU | Clear Secure, Inc. | $5.9B | 77 | Buy |
| SPSC | SPS Commerce, Inc. | $3.1B | 82 | Strong Buy |
| DOCU | DocuSign, Inc. | $9.3B | 85 | Strong Buy |
| NATL | NCR Atleos Corporation | $3.4B | 79 | Buy |
| RNG | RingCentral, Inc. | $5.8B | 97 | Strong Buy |
| PLUS | ePlus inc. | $2.3B | 86 | Strong Buy |
Peer medians: ROE 4.6% · P/E 35.3x · Gross margin 51.1%