Dave Inc. (DAVE) - Stock Analysis
Last updated: Jan 19, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Dave Inc. displays strong Q3 2025 results with 63% revenue growth, exceptional net margin (61%), increased members and ARPU, launch of CashAI v5.5 with improved underwriting, raised guidance for 2025, and 7% price momentum, making it a compelling short-term growth hot idea.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Margin expansion ⢠Receivables concentration ⢠High valuation premium As of 2025-09-30 the company demonstrates materially stronger profitability and cash generation with much higher margins and EPS, robust liquidity and lower leverage, but a concentrated receivables/working-capital position and elevated valuation multiples that increase collection and valuation risk.
Price Behavior
Key Price Behavior Insights: ⢠Short-term drift ⢠$190â$195 support ⢠$215â$220 resistance Support Level: $190â$195 Resistance Level: $215â$220 DAVE has drifted modestly lower over the last month, finding tentative support around $190â$195 while repeatedly failing to clear resistance near $215â$220.
Sentiment & News
Key News Insights: ⢠Revenue surge ⢠User growth ⢠Insider exits Dave Inc. shows rapid top-line and user growth (174% stock rise, 63% Q3 revenue jump, ExtraCash/CashAI expansion) amid rising institutional interest but faces analyst caution and insider sell-offs over profitability and pricing sustainability.
AI Summary
DAVE has shifted from a growth-at-all-costs fintech into an earnings/quality-growth story where sustaining ARPU-driven margin expansion and stable credit performanceânot user growthâwill determine valuation upside; investors should conditionally overweight only if management proves durable margin capture and tight provisioning as originations scale. The biggest immediate risk/opportunity is execution on receivables de-risking (Coastal bank migration) and maintaining loss ratesâmonitor 28-day DPD trends, provision volatility, and migration milestones as go/no-go signals.
Description
Dave Inc. operates an online financial services platform that provides personal finance management tools, short-term cash advances and overdraft alternatives, a marketplace for gig work, and digital checking accounts. The company serves retail customers seeking day-to-day banking and cashflow solutions. Founded in 2015, Dave is headquartered in West Hollywood, California.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Dec 19 | Dec 26 | DAVE | Dave Inc. | Dave Inc. displays strong Q3 2025 results with 63% revenue growth, exceptional net margin (61%), increased members and ARPU, launch of CashAI v5.5 with improved underwriting, raised guidance for 2025, and 7% price momentum, making it a compelling short-term growth hot idea. | Closed | +6.5% |