Dave (DAVE) - 2.36% Below 52-Week High: Buy or Wait?

Stock Details

Dave Inc. (DAVE), a prominent company in the technology sector within the software - application industry, is based in United States and primarily trades on the NGM.Currently, the stock is trading at $394.91. Over the past 52 weeks, it has ranged between $152.21 and $404.44. This places the current price at 97.6% of its 52-week high and 159.5% above its 52-week low. Recent trading volume was recorded at 63. The 14-day Relative Strength Index (RSI) stands at 79.54, suggesting overbought conditions. The stock is currently trading above its 50-day moving average of $282.14 by 39.97%. Similarly, it is above its 200-day moving average of $225.67 by 74.99%. The MACD histogram is 7.82, indicating bullish momentum (MACD Line: 32.60, Signal Line: 24.78). There is currently 1 active alert set for DAVE by users.

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

25.43

Above market average

Forward P/E

19.14

Earnings expected to grow

Price to Book

24.71

EV/EBITDA

23.58

EPS (TTM)

$15.57

Price to Sales

8.33

Beta

3.83

More volatile than market

Q:How is DAVE valued relative to its earnings and growth?

Dave Inc. trades at a P/E ratio of 25.43, which is above the market average of approximately 20. This premium valuation suggests investors expect above-average growth or the company has competitive advantages justifying the higher multiple. Looking ahead, the forward P/E of 19.14 is lower than the current P/E, indicating analysts expect earnings to grow over the next year.

Q:What is DAVE's risk profile compared to the market?

With a beta of 3.83, Dave Inc. is significantly more volatile than the market. For every 10% market move, this stock tends to move 38% in the same direction. Higher beta stocks offer greater potential returns but with increased risk. The price-to-book ratio of 24.71 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

37.21%

Operating Margin

38.27%

EBITDA

$217.30M

Return on Equity

111.59%

Return on Assets

32.00%

Revenue Growth (YoY)

46.70%

Earnings Growth (YoY)

104.10%

Q:How profitable and efficient is DAVE's business model?

Dave Inc. achieves a profit margin of 37.21%, meaning it retains $37.21 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 38.27% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 111.59% and ROA at 32.00%, the company generates strong returns on invested capital.

Q:What are DAVE's recent growth trends?

Dave Inc.'s revenue grew by 46.70% year-over-year, representing robust expansion that significantly outpaces typical market growth rates. This strong top-line performance suggests the company is successfully capturing market share or benefiting from favorable industry trends. Earnings increased by 104.10% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against Software - Application industry averages for proper context.

Company Size & Market

Market Cap

$5.0B

Revenue (TTM)

$604.62M

Revenue/Share (TTM)

$44.98

Shares Outstanding

11.40M

Book Value/Share

$16.03

Asset Type

EQUITY

Q:What is DAVE's market capitalization and position?

Dave Inc. has a market capitalization of $5.0B, classifying it as a mid-cap stock ($2B-$10B). Mid-caps often represent companies in their growth phase, offering higher growth potential than large-caps but with more stability than small-caps. They can be attractive takeover targets and may become tomorrow's large-caps. With 11.40M shares outstanding, the company's ownership is relatively concentrated. As a participant in the Software - Application industry, it competes with other firms in this sector.

Q:How does DAVE's price compare to its book value?

Dave Inc.'s book value per share is $16.03, while the current stock price is $394.91, resulting in a price-to-book (P/B) ratio of 24.64. This high P/B ratio indicates significant intangible assets, strong brand value, or high growth expectations. Technology and consumer brand companies often trade at elevated P/B ratios due to intellectual property and competitive advantages not reflected on the balance sheet. As EQUITY, this represents a specific type of security.

Analyst Ratings

Analyst Target Price

$347.55

11.99% downside potential

Analyst Recommendations

Strong Buy

Buy

Hold

Sell

Strong Sell

Q:How reliable are analyst predictions for DAVE?

10 analysts cover DAVE with 100% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The strong bullish consensus may already be priced in. The consensus target of $347.55 implies -12.0% downside, but targets are often adjusted to follow price moves rather than predict them.

Q:What is the Wall Street consensus on DAVE?

Current analyst recommendations:3 Strong Buy, 7 Buy, 000The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Jul 7, 2026, 02:07 AM

Technical Indicators

RSI (14-day)

79.54

Overbought

50-Day Moving Average

$282.14

39.97% above MA-50

200-Day Moving Average

$225.67

74.99% above MA-200

MACD Line

32.60

MACD Signal

24.78

MACD Histogram

7.82

Bullish

Q:What does DAVE's RSI value tell investors?

The RSI (Relative Strength Index) for DAVE is currently 79.54, indicating the stock is in overbought territory (above 70). This suggests strong recent buying pressure that may be unsustainable. While overbought conditions can persist in strong trends, traders often watch for RSI divergences or a drop below 70 as potential sell signals. Combined with the price being above the 50-day moving average, this confirms bullish conditions.

Q:How should traders interpret DAVE's MACD and moving average crossovers?

MACD analysis shows the MACD line at 32.60 above the signal line at 24.78, with histogram at 7.82. This bullish crossover suggests upward momentum is building. The wide histogram confirms strong momentum. The 50-day MA ($282.14) is above the 200-day MA ($225.67), forming a golden cross pattern that typically signals a long-term uptrend. Price is currently above both MAs, confirming strength.

Indicators last updated: Jul 7, 2026, 11:10 AM

Condition	Threshold	Created At
Price decreases by	10%	Jun 29, 2026, 04:29 PM

Condition

Threshold

Created At

Price decreases by

10%

Jun 29, 2026, 04:29 PM

Dave Inc. (DAVE) Stock