Dave (DAVE) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $4.39
- Estimate
- $4.46
- Surprise
- -1.6%
- Revenue (period 2026-09-30)
- $197.7M
- Score today
- 7.2/10
Revenue source: xbrl.
How the report landed
Dave (DAVE) missed the $4.46 estimate with adjusted EPS of $4.39 — a modest 1.6% shortfall.
Where TrendMatrix's rating stands now
TrendMatrix currently rates DAVE Buy (Wait) at 7.2/10; no pre/post engine snapshot brackets this report.
2 of the last 4 quarters beat the estimate; this quarter's -1.6% surprise compares with a +5.6% four-quarter average.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=9.0 in RISK_OFF)
- Strong overall score: 7.2/10
What argues against it
- Concentration risk — Counterparty: Evolve Bank & Trust
- Concentration risk — Counterparty: Coastal Community Bank
- Sector modifier (Technology): -0.8
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $336.22
- Entry target
- $317.17
- Price target
- $383.79
- Stop
- $299.33
- Upside to target
- +14.1%
- Reward-to-risk
- 1.0:1
The stock trades at 21.7× trailing but 15.1× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 1.7× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-11-05 — shown for context, not personalized investment advice.
DAVE at TrendMatrix's latest read
Technology names get repriced on forward expectations more than trailing prints — a quarter here is read through next-year growth and multiple, not the EPS line alone.
- Industry
- Software - Application
- Market cap
- $4.29B
- P/E (fwd)
- 15.1
- P/E (ttm)
- 21.7
- 52-week range
- $152.21–$458.25
- Off 52-week high
- 26.6%
- RSI (14)
- 40
- Volume vs avg
- 1.70×
- Score today
- 7.2/10