DAVE Stock Risk & Deep Value Analysis
Dave Inc
Technology • Software - Application
DVR Score
out of 10
The Bottom Line on DAVE
We analyzed Dave Inc using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran DAVE through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
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Weekly adjusted close · Quarterly revenue & EPS · DVR score history
DAVE Quality Rating
DAVE Stock Risk Analysis
Overall Risk
Moderate
Financial Risk
Low
Market Risk
Medium
About Dave Inc (DAVE)
Sector
Technology
Industry
Software - Application
Market Cap Category
mid
Market Cap
$3.12B
DAVE Deep Value Analysis
DAVE Research Sources
No external source links for this analysis yet. Run a fresh analysis to capture SEC filings and financial news articles we used.
For educational context only. Not financial advice.
DAVE Red Flags & Warning Signs
- ⚠
Q1 2026 earnings miss or weak guidance
- ⚠
Increased competitive pressure leading to market share erosion or higher CAC
- ⚠
Further dilution from convertible notes not fully offset by share buybacks
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DAVE Financial Health Metrics
Market Cap
$3.12B
P/E Ratio
15.92
Profit Margin
35.34%
Debt-to-Equity
0.21
Beta (Volatility)
3.88
Earnings Per Share
$13.49
DAVE Competitive Moat Analysis
Moat Rating
Narrow
Moat Trend
Stable but facing erosion risk
Moat Sources
3 Identified
Dave's moat is built on strong user relationships through its integrated financial tools and an efficient operational model that delivers superior margins. However, the core offering's commoditization risk, exacerbated by new competitive entrants, means its durability is highly dependent on continuous innovation and service differentiation.
DAVE Competitive Moat Analysis
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DAVE Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings Release (imminent, expected late April/early May)
- •Execution of $300M share repurchase program
Medium-Term (6-18 months)
- •Continued growth and diversification of product offerings (e.g., expansion of pay-in-4 plans)
- •Potential new strategic partnerships or market expansions to solidify competitive position
Long-Term (18+ months)
- •Achievement of significant market leadership in the underserved banking segment through superior user experience and expanded services
- •Disruption of traditional banking models for lower-income demographics
Catalysts & Growth Drivers
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DAVE Bull Case: What Could Go Right
- ✓
Acceleration in ARPU growth coupled with stable or declining CAC.
- ✓
Successful rollout and adoption of new revenue-generating features beyond core cash advances.
- ✓
Any signs of market share defense or expansion against new competitive threats.
Bull Case Analysis
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FAQ
What is the DVR Score for Dave Inc (DAVE)?
As of April 16, 2026, Dave Inc has a DVR Score of 6.3 out of 10, placing it in the "Solid Pick" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Dave Inc?
Dave Inc's market capitalization is approximately $3.1B. The company operates in the Technology sector within the Software - Application industry.
What ticker symbol does Dave Inc use?
DAVE is the ticker symbol for Dave Inc. The company trades on the NGM.
What is the risk level for DAVE stock?
Our analysis rates Dave Inc's overall risk as Moderate. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of DAVE?
Dave Inc currently has a price-to-earnings (P/E) ratio of 15.9. This is in line with broader market averages.
Is Dave Inc's revenue growing?
Dave Inc has reported revenue growth of 59.7%. The company is showing strong top-line momentum.
Is DAVE stock profitable?
Dave Inc has a profit margin of 35.3%. This indicates strong profitability.
How often is the DAVE DVR analysis updated?
Our AI-powered analysis of Dave Inc is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on April 16, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research and consult with a qualified financial advisor.