Dave Inc (DAVE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Dave Inc stock (DAVE) is currently trading at $181.00. Dave Inc PE ratio is 15.51. Dave Inc PS ratio (Price-to-Sales) is 5.02. Analyst consensus price target for DAVE is $318.00. WallStSmart rates DAVE as Moderate Buy.
- DAVE PE ratio analysis and historical PE chart
- DAVE PS ratio (Price-to-Sales) history and trend
- DAVE intrinsic value — DCF, Graham Number, EPV models
- DAVE stock price prediction 2025 2026 2027 2028 2029 2030
- DAVE fair value vs current price
- DAVE insider transactions and insider buying
- Is DAVE undervalued or overvalued?
- Dave Inc financial analysis — revenue, earnings, cash flow
- DAVE Piotroski F-Score and Altman Z-Score
- DAVE analyst price target and Smart Rating
Dave Inc
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DAVE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Dave Inc (DAVE)
DAVE trades at a significant discount to its Graham intrinsic value of $633.20, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Dave Inc (DAVE) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, revenue growth. Concerns around price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Dave Inc (DAVE) Key Strengths (7)
Every $100 of shareholder equity generates $73 in profit
Keeps $39 of every $100 in revenue after operating costs
Revenue surging 62.40% year-over-year
Earnings per share surging 292.40% year-over-year
Keeps $35 of every $100 in revenue as net profit
85.67% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Dave Inc (DAVE) Areas to Watch (2)
Very expensive at 7.9x book value
Premium valuation at 5.0x annual revenue
Supporting Valuation Data
Dave Inc (DAVE) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.6/10) while 2 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Revenue Growth. Profitability is solid with Return on Equity at 73.10%, Operating Margin at 39.40%, Profit Margin at 35.30%. Growth metrics are encouraging with Revenue Growth at 62.40%, EPS Growth at 292.40%.
The Bear Case
The primary concerns are Price/Book, Price/Sales. Some valuation metrics including Price/Sales (5.02), Price/Book (7.89) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 73.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 62.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Operating Margin makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
DAVE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
DAVE's Price-to-Sales ratio of 5.02x trades 101% above its historical average of 2.5x (75th percentile), historically expensive. The current valuation is 43% below its historical high of 8.77x set in Jun 2025, and 25000% above its historical low of 0.02x in Dec 2022. Over the past 12 months, the PS ratio has expanded from ~3.0x, reflecting growing market expectations outpacing revenue growth.
Compare DAVE with Competitors
Top SOFTWARE - APPLICATION stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Dave Inc (DAVE) · TECHNOLOGY › SOFTWARE - APPLICATION
The Big Picture
Dave Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 554M with 62% growth year-over-year. Profit margins are strong at 35.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 62% YoY, reaching 554M. This pace significantly outperforms most SOFTWARE - APPLICATION peers.
ROE of 7310.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Dave Inc maintain 62%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 3.87, so expect amplified moves relative to the broader market.
Sector dynamics: monitor SOFTWARE - APPLICATION industry trends, competitive moves, and regulatory changes that could impact Dave Inc.
Bottom Line
Dave Inc offers an attractive blend of growth (62% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Dave Inc(DAVE)
NASDAQ
TECHNOLOGY
SOFTWARE - APPLICATION
USA
Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.