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TickerTalks›$DAVE
DADAVE

Dave Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsCatalyst pendingQuiet on X (90 mentions/wk)
$DAVE·$5.0B·Software - Application·Technology
$372.69-1.3%YTD+70.2%1Y+58.1%
Mentions · last 7 days
2026-07-25: 6 posts2026-07-26: 7 posts2026-07-27: 21 posts2026-07-28: 21 posts2026-07-29: 19 posts2026-07-30: 13 posts2026-07-31: 3 posts90-26%
Price updated 3d ago·X counts updated 3d ago
DADAVE
$DAVEDave Inc.
$372.69-1.31%90 posts-26%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $DAVE, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersEvent coming upAI verdict · as of 2026-07-31

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Dave reports Tuesday with the stock +70% YTD — the neobank has run from $200 to $458 on real earnings, and the tape is testing $395 support.

Dave Inc. is a fintech neobank offering banking, cash advances, and financial services to underserved consumers. This year has been extraordinary — up 70% YTD and 57% T12M — as fundamentals materially outpaced expectations.

  • The fundamentals are exceptional: Q1 revenue grew 47% YoY to $158M with 87% gross margins and 38% operating margins, EPS of $4.31 beat by 41% — the shape of a fintech where scale is finally producing operating leverage that matches the top-line growth.
  • The forward setup remains attractive: FY26 consensus of $15.99 EPS growing to $19.48 in FY27, so at ~24x forward earnings DAVE is workable for a business growing at 40-60% — meaning Tuesday's Q2 print (consensus $3.42 EPS) is the specific referee for the current run.
  • The tape action is textbook: DAVE has run from $200 to $458 on a clean cup-and-handle 'played out perfectly' — bulls took profits on 50% at $443, and the stock is now testing $395 support with the specific 'if it holds, add back' framing dominating the trader crowd.

The stock is at the 74th percentile of its 52-week range and 55% above the 200-day — a real trend name into a print. What extends the move is a beat plus continued neobank customer growth acceleration and any credit-quality commentary; what breaks the setup is a soft print or any consumer-credit-stress disclosure that questions the underlying underwriting economics.

Agrees with X sentimentX's bull frame — DAVE from $200 to $458 as a cup-and-handle 'played out perfectly,' taking profits at $443 with re-entry near $395, and DAVE as a low-float high-quality name similar to ALTC — is directly supported by the Q1 41% EPS beat and the 55% above-200-day position; the algos-turning-on-recent-winners commentary is honest technical noise.

What to watch: The Aug 5 Q2 print on Tuesday — specifically neobank customer growth, credit-quality trends, and any commentary on the FY26 guide. A beat plus continued customer acceleration extends the move; a soft print or credit-stress disclosure breaks the setup.

On the calendar: 2026-08-05 — Q2 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment10 posts analyzed · as of 2026-08-01

Dave Inc. reads bullish and momentum-driven. Shares ran from $200 to $458 on a genuine cup-and-handle breakout, framed as a high-margin fintech neobank. Traders await another blue-skies day to fade in low-float names like DAVE, and some short-sellers are positioning around the August 11 earnings expecting fireworks to the downside. Freedom Capital initiated Hold with PT $400. Grok/social virality adding to the meme-flavor.

Read the AI verdict + X sentiment for $DAVE

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Neobank offering fee-free overdraft advances (ExtraCash), budgeting tools, and a gig job marketplace.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $DAVE.

Software - Application · Technology

No material change from last week — platforms where agents expand contract value (ServiceNow, Snowflake) are re-rated upward, while tools where agents substitute human users (Adobe Creative..

What this means for $DAVE

Partial — Neobank offering fee-free overdraft advances (ExtraCash), budgeting tools, and a gig job marketplace; partial earnings exposure to software - application demand dynamics through its product portfolio.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-12.4%YTD
-15.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
17.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
43.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
34.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
8.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
84.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
87.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 5, 2026$4.02$2.86+40.6%
Q4 2025Mar 2, 2026$3.69$3.31+11.5%
Q3 2025Nov 4, 2025$4.24$2.29+85.2%
Q2 2025Aug 6, 2025$3.14$1.90+65.3%
Next earningsWed, Aug 5·consensus EPS $3.44

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$158.4M+46.7%86.9%37.6%$4.31$82.0M
Q4 FY25$163.7M+62.4%87.9%39.4%$4.88$91.5M
Q3 FY25$150.7M+63.0%86.7%30.5%$6.84$84.9M
Q2 FY25$131.8M+64.5%86.9%31.2%$0.68$68.1M

Forward consensus

3-year forecast · up to 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$715.1M$710.9M – $719.0M$15.99$15.36 – $16.499
FY27$862.7M$827.9M – $902.6M$19.48$17.43 – $21.339
FY28$1.1B$1.1B – $1.1B$28.50$24.53 – $32.463

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.72%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+9.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+52.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 9.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today3.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β3.835-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 5Dan PrestonDirector275 sh$71KSellJun 4Dan PrestonDirector275 sh$68KSellJun 2Jason WilkCEO8.5K sh$2.3MSellJun 2Kyle BeilmanCFO4.1K sh$1.1MSellMar 6Andrea MitchellDirector15.0K sh$3.2MSellMar 5Andrea MitchellDirector15.0K sh$3.2M
+ 11 other (7 awards · 2 inkinds · 1 gift · 1 other) in window

See when $DAVE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 28-K — Item 5.07: Shareholder vote
AI summary

Dave Inc. filed an 8-K (Item 5.07) on June 2, 2026 reporting results of its annual shareholder meeting held the same day. The excerpt is standard boilerplate header with no narrative body; vote results for director elections, say-on-pay, and any other proposals are in the attached exhibit. This is a routine annual meeting disclosure — no indication of contested votes or extraordinary proposals.

8-KMaterial agreementMar 98-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 3.02: Unregistered equity sale · Item 8.01: Other event
8-KMaterial agreementMar 68-K — Item 1.01: Material agreement · Item 8.01: Other event
8-KOfficer or director changeMar 28-K — Item 2.02: Earnings release · Item 5.02: Officer or director change · Item 8.01: Other event
3New insider — initial holdingsFeb 263
8-KAcquisition completedFeb 58-K — Item 2.01: Acquisition completed
+ 13 other (6 13Gs · 2 proxys · 1 earnings 8-K · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Dave vs. Upstart: Which AI Fintech Stock Is the Better Choice in 2026?zacks.com·3d agoZTEST Electronics Inc. Announces the Appointment of Dave Barnett as President and Chief Executive Officer Effective August 24, 2026accessnewswire.com·3d ago4 Business Services Firms Poised to Top Estimates This Earnings Seasonzacks.com·4d agoHere Are Wednesday’s Top Wall Street Analyst Research Calls: Bloom Energy, Dave, Fiverr, Humana, Las Vegas Sands, Lemonade, Procter & Gamble, SK hynix, Wix.com, and More247wallst.com·4d agoDave Inc. (DAVE) Earnings Expected to Grow: Should You Buy?zacks.com·5d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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