Dave Inc. (DAVE) Stock Analysis
Range Bound setup · Temp Headwind edge
Technology · Software - Application
Wait for pullback to $230.09. At $256.33 the A.R:R is 1.0:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $230.09 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Leverage penalty (D/E 1.3): -0.5.
Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check), fee-free demand deposit accounts, and financial management tools through a mobile app, serving 19M+ Members since inception. Revenue is earned via a mandatory 5%... Read more
Wait for pullback to $230.09. At $256.33 the A.R:R is 1.0:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $230.09 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Leverage penalty (D/E 1.3): -0.5. Chart setup: RSI 45 mid-range, Bollinger mid-band. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.13, quality 8.8/10, growth 10.0/10). Score 6.8/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity 89d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHSupplierEvolve and Coastal bank partners10-K Item 1A: 'We rely on agreements with Evolve and Coastal, our two bank partners, to provide ExtraCash and other deposit accounts'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWDave Inc. and CEO Jason Wilk amended his employment agreement on February 25, 2026, modifying severance terms for termination without cause outside change-of-control periods. No officer departure; compensatory arrangement modification only.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·2 ceiling hits
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $230.09. At $256.33 the A.R:R is 1.0:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $230.09 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Supplier: Evolve and Coastal bank partners; Leverage penalty (D/E 1.3): -0.5. Chart setup: RSI 45 mid-range, Bollinger mid-band. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.13, quality 8.8/10, growth 10.0/10). Target $295.04 (+15.1%), stop $194.97 (−31.5%), Setup A.R:R 3.0:1. Score 6.8/10, moderate confidence.
Take-profit target: $295.04 (+21.2% upside). Target $295.04 (+15.1%), stop $194.97 (−31.5%), Setup A.R:R 3.0:1. Stop-loss: $194.97.
Concentration risk — Supplier: Evolve and Coastal bank partners; Leverage penalty (D/E 1.3): -0.5; Negative momentum.
Dave Inc. trades at a P/E of 16.5 (forward 13.4). TrendMatrix value score: 7.5/10. Verdict: Buy (Wait for Entry).
16 analysts cover DAVE with a consensus score of 4.2/5. Average price target: $339.
What does Dave Inc. do?Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check),...
Dave Inc. is a U.S.-focused neobank offering ExtraCash (overdraft up to $500 with no interest or credit check), fee-free demand deposit accounts, and financial management tools through a mobile app, serving 19M+ Members since inception. Revenue is earned via a mandatory 5% overdraft fee, monthly membership fees, and interchange/ATM fees; over $22B in ExtraCash has been provided to date.