Dave stock
DAVENASDAQDave Inc., TechnologyISIN US23834J2015
70Score 70 out of 100, Strong
Price and trend
49 / 100
Price history
+11% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 8.4% below it.
Since April 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Sharply down: the price has fallen very quickly lately (RSI 29).
The price is 40% below its 52-week high. Largest decline in 6 years: 99% (February 2022 to May 2023).
Chart figures for advanced users
- SMA 50$341.04
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$291.97
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)29
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$155.92
- The lowest closing price of the last twelve months.
- Resistance$442.53
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Dave Inc. belongs to the Software (Application) industry (United States) and, with a market value of $3.41B, is number 86 of 189 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $554.18M (up 59.7% year on year) and earnings of $195.87M (up 238.4%).
- For fiscal 2026, analysts expect on average revenue of $744.56M (up 34.4%) and adjusted earnings per share of $13.59 (down 1.4%).
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- MEQIRI Score 70 out of 100 (Strong): rank 225 of 857 in Technology, median 61.
- The P/E is 19.2 (Software (Application) median 30.8, own median of recent years 17).
- Our model puts fair value at $447.50, with the price 37% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on capitalReturn on invested capital 78.6% in fiscal 2025, Software (Application) median 3.9%.Profitability 98
- Growing faster than its industryRevenue up 35.4% a year since 2020, Software (Application) median 17.3%.Growth 70
- High marginNet margin 28.1% over the last 12 months, Software (Application) median 6.8%.Profitability 98
Weaknesses
- Volatile share priceVolatility 71% a year over the last 12 months.Stability 65
- DilutionShare count up 15% since 2020.Capital allocation 65
Its standout strengths are profitability and valuation, while technical analysis holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 69 to 70.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $298.34 and expensive above $895.01 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $465.58 (cash-flow model) and $429.43 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 9.8%. At 10.8% the fair value would be $414.77, at 8.8% it would be $493.35.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (30.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 40.6% on the twelve months before. Revenue has grown strongly since 2019, at around 39% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 87%, operating 34%, net 35%. Last 12 months: net 28%.
Debt & balance sheet
latest quarterThe balance sheet is solid, with moderate debt and comfortable interest coverage.
Earnings
- Next earnings
- 1 Mar 2027in 109 days
- Last reported
- 4 Nov 2026EPS reported $4.39 (expected $4.09)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $13.59+0.7%
- Revenue
- $744.56M+1.8%
- Earnings per share
- $19.90−1.0%
- Revenue
- $924.53M+2.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −14.9%Guidance raised again: revenue of $725 million to $735 million (previously $710 million to $720 million), adjusted EBITDA and adjusted EPS also raised.
“We now expect revenue of $725 million to $735 million, representing 32% year-over-year growth at the midpoint, up from our prior range of $710 million to $720 million.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $3.6M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Preston DanSale
5 Jun 2026, Board
- Shares
- 275
- Price
- $259.83
- Value
- $71,453
- Preston DanSale
4 Jun 2026, Board
- Shares
- 275
- Price
- $247.65
- Value
- $68,104
- Beilman KyleSale
2 Jun 2026, CFO and COO and Secretary
- Shares
- 4,122
- Price
- $275.03
- Value
- $1.13M
Show 1 more
- Wilk JasonSale
2 Jun 2026, Chief Executive Officer
- Shares
- 8,474
- Price
- $275.05
- Value
- $2.33M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Dave
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
857 rated companies in Technology
- This company
- 70
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
- Q2 HoldingsQTWO $4.58B66
- CCC Intelligent Solutions HoldingsCCC $4.56B58
- Sportradar GroupSRAD $3.91B67
- Life360LIF $3.65B53
- BullishBLSH $3.57B29
- NCR AtleosNATL $3.56B64
- IntappINTA $3.56B49
- WorkivaWK $3.55B52
ETFs that hold Dave
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.53% | 0.30% | €185.82M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.19% | 0.30% | €2.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.10% | 0.30% | €2.17B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.09% | 0.30% | €4.22B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.06% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.03% | 0.35% | €434.1M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.03% | 0.45% | €1.53B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong since 12 Nov 2026, previously Neutral
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.