Dave Inc. (DAVE) Stock Analysis
Technology · Software - Application
Wait for pullback to $250.80. At $262.90 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $250.80 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Thin upside margin: 6.3%.
Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check), fee-free demand deposit accounts, and financial management tools through a mobile app, serving 19M+ Members since inception. Revenue is earned via a mandatory 5%... Read more
Wait for pullback to $250.80. At $262.90 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $250.80 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Thin upside margin: 6.3%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.05, quality 8.5/10, growth 10.0/10). Score 6.7/10, moderate confidence.
Passes 5/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 5d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHSupplierEvolve and Coastal bank partners10-K Item 1A: 'We rely on agreements with Evolve and Coastal, our two bank partners, to provide ExtraCash and other deposit accounts'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWDave Inc. and CEO Jason Wilk amended his employment agreement on February 25, 2026, modifying severance terms for termination without cause outside change-of-control periods. No officer departure; compensatory arrangement modification only.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $250.80. At $262.90 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $250.80 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Thin upside margin: 6.3%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.05, quality 8.5/10, growth 10.0/10). Target $279.38 (+6.3%), stop $218.41 (−20.4%), Setup A.R:R 1.7:1. Score 6.7/10, moderate confidence.
Take-profit target: $279.38 (+11.9% upside). Target $279.38 (+6.3%), stop $218.41 (−20.4%), Setup A.R:R 1.7:1. Stop-loss: $218.41.
Concentration risk — Supplier: Evolve and Coastal bank partners; Thin upside margin: 6.3%; Earnings in 5 days (event risk).
Dave Inc. trades at a P/E of 19.0 (forward 14.7). TrendMatrix value score: 6.7/10. Verdict: Buy (Wait for Entry).
16 analysts cover DAVE with a consensus score of 4.2/5. Average price target: $321.
What does Dave Inc. do?Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check),...
Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check), fee-free demand deposit accounts, and financial management tools through a mobile app, serving 19M+ Members since inception. Revenue is earned via a mandatory 5% overdraft fee, monthly membership fees, and interchange/ATM fees; over $22B in ExtraCash has been provided to date.