Dave (DAVE) - 29.16% 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 $324.62. Over the past 52 weeks, it has ranged between $152.21 and $458.25. This places the current price at 70.8% of its 52-week high and 113.3% above its 52-week low. Recent trading volume was recorded at 265,265. The 14-day Relative Strength Index (RSI) stands at 36.32, suggesting neutral conditions. The stock is currently trading below its 50-day moving average of $355.55 by 8.70%. Similarly, it is above its 200-day moving average of $249.63 by 30.04%. The MACD histogram is -14.76, indicating bearish momentum (MACD Line: -11.89, Signal Line: 2.87).

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

19.96

Near market average

Forward P/E

14.60

Earnings expected to grow

Price to Book

19.73

EV/EBITDA

17.42

EPS (TTM)

$15.84

Price to Sales

6.27

Beta

3.86

More volatile than market

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

Dave Inc. trades at a P/E ratio of 19.96, which is near the market average of approximately 20, suggesting the market views it as fairly valued relative to its earnings. Looking ahead, the forward P/E of 14.60 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 3.86, Dave Inc. is significantly more volatile than the market. For every 10% market move, this stock tends to move 39% in the same direction. Higher beta stocks offer greater potential returns but with increased risk. The price-to-book ratio of 19.73 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

34.59%

Operating Margin

32.95%

EBITDA

$232.34M

Return on Equity

104.78%

Return on Assets

31.01%

Revenue Growth (YoY)

29.60%

Earnings Growth (YoY)

-21.00%

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

Dave Inc. achieves a profit margin of 34.59%, meaning it retains $34.59 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 32.95% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 104.78% and ROA at 31.01%, the company generates strong returns on invested capital.

Q:What are DAVE's recent growth trends?

Dave Inc.'s revenue grew by 29.60% 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 decreased by 21.00% year-over-year, reflecting the bottom-line impact of business performance. These growth metrics should be evaluated against Software - Application industry averages for proper context.

Company Size & Market

Market Cap

$4.0B

Revenue (TTM)

$643.65M

Revenue/Share (TTM)

$48.47

Shares Outstanding

11.44M

Book Value/Share

$16.03

Asset Type

EQUITY

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

Dave Inc. has a market capitalization of $4.0B, 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 11.44M 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 $324.62, resulting in a price-to-book (P/B) ratio of 20.25. 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

$429.91

32.43% upside 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 $429.91 implies 32.4% upside, 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: Aug 13, 2026, 02:07 AM

Technical Indicators

RSI (14-day)

36.32

Neutral

50-Day Moving Average

$355.55

-8.70% below MA-50

200-Day Moving Average

$249.63

30.04% above MA-200

MACD Line

-11.89

MACD Signal

2.87

MACD Histogram

-14.76

Bearish

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

The RSI (Relative Strength Index) for DAVE is currently 36.32, indicating the stock is showing bearish momentum (30-40 range). Selling pressure is evident but not extreme. This often occurs during pullbacks in uptrends or early stages of downtrends. Combined with the price being below the 50-day moving average, this confirms bearish conditions.

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

MACD analysis shows the MACD line at -11.89 below the signal line at 2.87, with histogram at -14.76. This bearish crossover indicates downward pressure. The wide histogram confirms strong momentum. The 50-day MA ($355.55) is above the 200-day MA ($249.63), forming a golden cross pattern that typically signals a long-term uptrend. Price is currently between the MAs, suggesting transition.

Indicators last updated: Aug 13, 2026, 01:33 PM

Dave Inc. (DAVE) Stock